Мікрокредитування і багатомірна бідність в Алжирі: чи є гендерне значення? Тематичне дослідження: Національне Агентство З Управління Кредитами / Департамент Бумердес
DOI:
https://doi.org/10.26661/2522-1566/2022-2/20-02Ключові слова:
розширення можливостей, вплив, мікрокредитування, багатовимірна бідність, гендерАнотація
У цій статті зроблено спробу оцінити вплив мікрокредитування на економічний добробут і, побічно, рівень багатовимірної бідності жінок в Алжирі. На основі даних опитування 228 одержувачів мікрокредитів у департаменті Бумердес в Алжирі. Дослідження показало, що участь у мікрофінансових послугах, що надаються національним агентством управління мікрокредитами (ANGEM), може стати для жінок інструментом набуття здатності робити стратегічний вибір щодо свого життя. Маючи доступ до послуг мікрофінансування, жінки можуть створити свій власний бізнес і, отже, покращити своє становище у сім'ї та суспільстві. В опитуванні взяли участь лише 26 жінок. Використовуючи U-тест Манна-Уітні, результати показали значну різницю між впливом мікрокредитування на представників обох статей на основі індексу володіння активами, де жінки-бенефіціари відчувають більший вплив, ніж чоловіки. Ці результати потребують подальших питань. АНГЕМ не є мікрофінансовою організацією (МФО), як інші. Це державна установа.
JEL Classification D10, O30, M54, I32.
Посилання
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ANGEM. (2021). National microcredit management agency. Retrieved from https://www.angem.dz/home.php
Armendáriz, B., & Morduch, J. (2010). The economics of microfinance. MIT press.
Arora-Jonsson, S. (2014). Forty years of gender research and environmental policy: where do we stand? Women's Studies International Forum, 47 , 295-308.
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Gaywala, DS (2018). To measure the socio-economic impact on living standards of individual beneficiaries of credit societies. Gujarat Technological University.
Hashemi, SM, Schuler, SR, & Riley, AP (1996). Rural credit programs and women's empowerment in Bangladesh. World development, 24 (4), 635-653.
ILO. (2015). Recommendation 204 concerning the transition from the informal economy to the formal economy, adopted CIT 104th session. CIT. Geneva: ILO. Retrieved from https://www.ilo.org/wcmsp5/groups/public/---ed_norm/---relconf/documents/meetingdocument/wcms_377776.pdf
ILO. (2020). Data ILO. Retrieved from https://ilostat.ilo.org/data/
Kabeer, N. (2005). Is microfinance a magic bullet for women's empowerment? Analysis of findings from South Asia. Economic and Political weekly, 40 (44-45), 4709-4718.
Kato, MP, & Kratzer, J. (2013). Empowering women through microfinance: Evidence from Tanzania. ACRN Journal of Entrepreneurship Perspectives, 2 (1), 31-59. Retrieved from http://www.acrn.eu/resources/Journals/201302c.pdf
Khamar, M. (2019). Global Outreach and Financial Performance Benchmark Report 2017-2018. MIX Market.
MIX Market data . (2019, 10 2). Retrieved from MIX Market: https://datacatalog.worldbank.org/dataset/mix-market
Murshid, NS (2016). Microfinance participation and domestic violence in Bangladesh: results from a nationally representative survey. Journal of interpersonal violence, 31 (9) , 1579-1596. Retrieved from https://journals.sagepub.com/doi/abs/10.1177/0886260515569065
Musette, MS (2014). Employment policies and active labor market programs in Algeria. European training foundation. Retrieved from https: // www. academia. edu / 8163265 / Policies_de_lEmploi_en_Algerie_version_francaise
Musette, MS, Belhouari, D., Meziani, MM, & Achour, B. (2013). Microcredit in Algeria: State Strategy and Strategy for “No Income” Households. Algiers: Applied Economics Research Center for Development.
Nachar, N. (2008). The Mann-Whitney U: A test for assessing whether two independent samples come from the same distribution. . Tutorials in quantitative Methods for Psychology , 13-20.
Pitt, MM, & Shahidur, RK (1998). The impact of group-based credit programs on poor households in Bangladesh: Does the gender of participants matter? Journal of political economy, 106 (05), 958-996. Retrieved from http://darp.lse.ac.uk/frankweb/courses/EC501/pittkhandker.pdf
Pokhriyal, AK, Rekha, R., & Jaya, U. (2014). Role of micro-finance in the empowerment of the women. Journal of Business and Finance, 2 (1), 21-31. Retrieved from file: /// C: /Users/user/Downloads/447-5687-4-PB.pdf
Rahman, SJ (2009). Factors influencing women's empowerment on microcredit borrowers: a case study in Bangladesh. Journal, 14 (03), 287-303.
Rai, A., & Ravi, S. (2011). Do spouses make claims? Empowerment and microfinance in India. World Development, 39 (6), 913-921.
Vaessen, J., Rivas, A., Duvendack, M., Jones, RP, Leeuw, F., Van Gils, G., & Waddington, H. (2014). The effects of microcredit on women's control over household spending in developing countries: A systematic review and meta - analysis. Campbell systematic reviews, 10 (1), 1-205.
World Bank. (2020). Poverty and Shared Prosperity 2020 - Reversals of Fortune. Washington. Retrieved from https://openknowledge.worldbank.org/bitstream/handle/10986/34496/9781464816024.pdf
World Data Lab. (2020, 11 18). World poverty clock . Retrieved from https://worldpoverty.io/headl
ANGEM. (2021). National microcredit management agency. Retrieved from https://www.angem.dz/home.php
Armendáriz, B., & Morduch, J. (2010). The economics of microfinance. MIT press.
Arora-Jonsson, S. (2014). Forty years of gender research and environmental policy: where do we stand? Women's Studies International Forum, 47 , 295-308.
Asli, D.-K., & Leora, K. (2012). Measuring Financial Inclusion: The Global Findex Database. Washington DC: World bank group. Retrieved from https://openknowledge.worldbank.org/bitstream/handle/10986/6042/WPS6025.pdf?sequence=1&isAllowed=y
Atamanov, A., & Tandon, S. (2018). Measuring Poverty in the Middle East and North Africa Region: Updates and Challenges. Retrieved from https://blogs.worldbank.org/en/arabvoices/measuring-regional-poverty-mena-update-and-remaining-challenges
Banerjee, A., Duflo, E., Glennerster, R., & Kinnan, C. (2015). The miracle of microfinance? Evidence from a randomized evaluation. . American Economic Journal: Applied Economics, 7 (1), 22-53.
Microfinance barometer. (2020). Microfinance barometer. Retrieved from Convergences: https://www.convergences.org/wp-content/uploads/2019/09/Barom%C3%A8tre-de-la-microfinance-2019_web_FR-1.pdf
Ben Abdelkader, I., & Mansouri, F. (2019). Performance of microfinance institutions in the MENA region: a comparative analysis. International Journal of Social Economics, 46 (1), 47-65. doi: https: //doi.org/10.1108/IJSE-06-2017-0242
Benhabib, A., Smahi, A., Maliki, S., & Baha, E. (2005). Formal and Informal Microfinance in Algeria: How Effective? Cahiers du MECAS, 1 (1), 170-190. Retrieved from http://193.194.91.150:8080/en/article/12873
Chehade, N., Navarro, A., Barnieh, Y., & Attia, H. (2017). Financial Inclusion Measurement in the Arab World. Arab Monetary Fund. Retrieved from https://www.cgap.org/sites/default/files/Working-Paper-Financial-Inclusion-Measurement-in-the-Arab-World_1.pdf
Deb, A., & Kubzansky, M. (2012). Bridging the gap: The business case for financial capability. Citi Foundation.
Gaywala, DS (2018). To measure the socio-economic impact on living standards of individual beneficiaries of credit societies. Gujarat Technological University.
Hashemi, SM, Schuler, SR, & Riley, AP (1996). Rural credit programs and women's empowerment in Bangladesh. World development, 24 (4), 635-653.
ILO. (2015). Recommendation 204 concerning the transition from the informal economy to the formal economy, adopted CIT 104th session. CIT. Geneva: ILO. Retrieved from https://www.ilo.org/wcmsp5/groups/public/---ed_norm/---relconf/documents/meetingdocument/wcms_377776.pdf
ILO. (2020). Data ILO. Retrieved from https://ilostat.ilo.org/data/
Kabeer, N. (2005). Is microfinance a magic bullet for women's empowerment? Analysis of findings from South Asia. Economic and Political weekly, 40 (44-45), 4709-4718.
Kato, MP, & Kratzer, J. (2013). Empowering women through microfinance: Evidence from Tanzania. ACRN Journal of Entrepreneurship Perspectives, 2 (1), 31-59. Retrieved from http://www.acrn.eu/resources/Journals/201302c.pdf
Khamar, M. (2019). Global Outreach and Financial Performance Benchmark Report 2017-2018. MIX Market.
MIX Market data . (2019, 10 2). Retrieved from MIX Market: https://datacatalog.worldbank.org/dataset/mix-market
Murshid, NS (2016). Microfinance participation and domestic violence in Bangladesh: results from a nationally representative survey. Journal of interpersonal violence, 31 (9) , 1579-1596. Retrieved from https://journals.sagepub.com/doi/abs/10.1177/0886260515569065
Musette, MS (2014). Employment policies and active labor market programs in Algeria. European training foundation. Retrieved from https: // www. academia. edu / 8163265 / Policies_de_lEmploi_en_Algerie_version_francaise
Musette, MS, Belhouari, D., Meziani, MM, & Achour, B. (2013). Microcredit in Algeria: State Strategy and Strategy for “No Income” Households. Algiers: Applied Economics Research Center for Development.
Nachar, N. (2008). The Mann-Whitney U: A test for assessing whether two independent samples come from the same distribution. . Tutorials in quantitative Methods for Psychology , 13-20.
Pitt, MM, & Shahidur, RK (1998). The impact of group-based credit programs on poor households in Bangladesh: Does the gender of participants matter? Journal of political economy, 106 (05), 958-996. Retrieved from http://darp.lse.ac.uk/frankweb/courses/EC501/pittkhandker.pdf
Pokhriyal, AK, Rekha, R., & Jaya, U. (2014). Role of micro-finance in the empowerment of the women. Journal of Business and Finance, 2 (1), 21-31. Retrieved from file: /// C: /Users/user/Downloads/447-5687-4-PB.pdf
Rahman, SJ (2009). Factors influencing women's empowerment on microcredit borrowers: a case study in Bangladesh. Journal, 14 (03), 287-303.
Rai, A., & Ravi, S. (2011). Do spouses make claims? Empowerment and microfinance in India. World Development, 39 (6), 913-921.
Vaessen, J., Rivas, A., Duvendack, M., Jones, RP, Leeuw, F., Van Gils, G., & Waddington, H. (2014). The effects of microcredit on women's control over household spending in developing countries: A systematic review and meta - analysis. Campbell systematic reviews, 10 (1), 1-205.
World Bank. (2020). Poverty and Shared Prosperity 2020 - Reversals of Fortune. Washington. Retrieved from https://openknowledge.worldbank.org/bitstream/handle/10986/34496/9781464816024.pdf
World Data Lab. (2020, 11 18). World poverty clock . Retrieved from https://worldpoverty.io/headl
Завантаження
Опубліковано
2022-06-20
Номер
Розділ
Економіка
Як цитувати
Hadefi, A.Z., Bouchetara, M. and Zerouti, M. (2022) “Мікрокредитування і багатомірна бідність в Алжирі: чи є гендерне значення? Тематичне дослідження: Національне Агентство З Управління Кредитами / Департамент Бумердес”, Менеджмент та підприємництво: тренди розвитку, 2(20), pp. 20–30. doi:10.26661/2522-1566/2022-2/20-02.
