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Access to and Impact of Microcredit in Rural Northern Vietnam
Английски език
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Microcredit schemes as a tool for (in the words of theNorwegian Nobel Committee in 2006) "economic and social developmentfrom below", poverty reduction and empowerment have recently movedinto the focus of attention of the global community. Much light,however, remains to be shed on the internal dynamics ofmicrofinance programmes. The objective of this study is to gaininsight into the under-researched question of how the provision ofmicrocredit is perceived by the target-group at the grass rootslevel, by people who pursue their livelihood strategies in apragmatic fashion, oblivious of the theoretical constructs andimperatives behind the loans they receive. A better understandingof the needs of the prospective clients is necessary in order toreach the target-group more effectively and increase the impact ofthe respective programmes. How do rural farmers and prospectivemicrocredit clients perceive the services and how do they use them?What influences their investment decisions and what impact does theprovision of microcredit services have on a household`s livelihood?These are some of the questions this study strives toanswer.
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Английски език
