The efficiency of education and microcredit programs on young adults' independence

Rokhim, Rofikoh; Lubis, Arief Wibisono; Novianti, Nadia

doi:10.1080/08276331.2022.2035170

Cited by 3 publications

(3 citation statements)

References 37 publications

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“…( 2015 ) − Rokhim et al. ( 2022 ) Marital status Sooryamoorthy ( 2005 ) Salazar ( 2008 ) − Santandreu et al. ( 2020 ) Firm’s information Closeness to the lender Kassegn and Endris ( 2022 ) − Number of workers Nguta and Huka ( 2013 ) Revenues Von Pischke ( 1991 ) Nannyonga ( 2000 ) Oke et al.…”

Section: Empirical Evidence From the Usa Microcredit Marketmentioning

confidence: 99%

“…Research focused on the relationship between microcredits and the education level of borrowers has recently received special attention. Rokhim et al (2022) pointed out that the lack of education could be due to a variety of factors, including financial instability and fear of abandonment or segregation. These authors concluded that it is impossible to ignore the link between the financial security of families with businesses and their children's education.…”

Section: Socioeconomic Factorsmentioning

confidence: 99%

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A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA

Rambaud

Pascual

Santandreu³

2023

Financ Innov

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The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients’ profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower’s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies.

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Section: Empirical Evidence From the Usa Microcredit Marketmentioning

confidence: 99%

Section: Socioeconomic Factorsmentioning

confidence: 99%

A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA

Rambaud

Pascual

Santandreu³

2023

Financ Innov

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“…In this context, microfinance is used today in a multitude of areas with very different objectives, yet consistently serves as a tool to drive positive social transformation. Its utilization spans initiatives concerning gender equality (Cruz Rambaud et al, 2022;Bapolisi et al, 2024), minority integration (Cruz Rambaud et al, 2022), digitization (Johri et al, 2024), mobile banking (Osabohien et al, 2024), youth empowerment (Rokhim et al, 2023), or entrepreneurship promotion (Coronel-Pangol et al, 2023), among other related issues.…”

mentioning

confidence: 99%

A comprehensive framework for understanding microfinance performance evaluation methods

Sierra,

Muriel-Patino,

Rodríguez-López

2024

Humanit Soc Sci Commun

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Multiple stakeholders in the microfinance sector seek to foster financial, social, and environmental development in a sustainable way by providing a wide range of products and services for financial inclusion. This heterogeneity is also reflected in the multiple methods to evaluate the performance of financial service providers. For this reason, it can be challenging for stakeholders to identify and understand the evaluation approaches that may be required to meet their needs and help them improve their performance. This study presents a comprehensive review of the existing approaches for the evaluation of the financial and social performance of microfinance. This research provides a systematic and comprehensive classification of microfinance performance evaluation methods, an explanation of evaluation methods and techniques, and a theoretical framework suitable to explain the applicability every method to assess different dimensions of microfinance. These results of this research are useful to help policymakers, donors, and practitioners understand and compare existing evaluation methods. Also, this framework enables the identification of the appropriate evaluation method according to the type of performance being examined and considering how to communicate this information effectively to the market.

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Kinship networks and financial inclusion nexus: the mediating effect of extended social cohesion among poor microentrepreneurs post COVID-19

Okello Candiya Bongomin,

Chrysostome,

Nkongolo-Bakenda

et al. 2024

Journal of Small Business & Entrepreneurship

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The efficiency of education and microcredit programs on young adults' independence

Cited by 3 publications

References 37 publications

A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA

A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA

A comprehensive framework for understanding microfinance performance evaluation methods

Kinship networks and financial inclusion nexus: the mediating effect of extended social cohesion among poor microentrepreneurs post COVID-19

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