Impact of Microfinance on Income and Employment of Women in Jigjiga, Ethiopia
Impact of Microfinance on Income and Employment of Women in Jigjiga, Ethiopia
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小额信贷对埃塞俄比亚吉吉加妇女收入和就业的影响
DOI：
10.35808/ijeba/679
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发表时间：
2021
影响因子：
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通讯作者：
Imran Azad
中科院分区：
文献类型：
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作者：
Perways Alam;Imran Azad
目的：本文旨在分析小额信贷对吉吉格市妇女参与者收入和就业的影响。设计/方法/途径：为此目的，对索马里地区州（埃塞俄比亚）吉吉加的索马里小额供资和Ray小额供资的146名活跃客户进行了调查。采用统计和计量经济学技术探讨小额供资的影响。调查结果：研究发现，小额信贷对妇女的创收和就业水平产生了积极影响，对生产活动的影响更大，并增加了妇女参与者的收入。实际影响：研究得出的结论是，为了最大限度地发挥小额信贷机构的效益，小额信贷机构应制定一种不同的接近机制，为最贫困的穷人提供服务和产品，例如在计划中建立适当的穷人选择机制，强调妇女、受教育程度较低的人和农村穷人，最好有创新的产品和服务，并制定有利的法规。创意/价值：据作者所知，没有其他论文试图研究小额供资对吉吉格市妇女参与者的收入和就业的影响。这项研究将为决策者提供一个机会，使他们能够更加重视小额信贷，帮助妇女提高地位。
: Purpose: This paper aims to analyze the impact of microfinance on the income and employment of women participants in Jigjig city. Design/Methodology/Approach: A survey of 146 active clients of the Somali Microfinance and Ray Microfinance in Jigjiga, Somali Regional State (Ethiopia), has been undertaken for this purpose. Statistical and econometric techniques are used to explore the impact of microfinance. Findings: It is found that microfinance credit positively affects income generation and employment level of women, and the impact on productive activities is higher, and it increases the income of women participants. Practical Implications: It concluded from the study that to maximize the benefits of MFIs, MFIs should develop a different approaching mechanism to deliver their services and products at large for the poorest of the poor, like having an appropriate selection mechanism of the poor in the scheme that emphasize women, less educated and rural poor people and it is advisable to have innovative product and service together with the formulation of enabling regulation. Originality/Value: To the best of the authors’ knowledge, no other paper attempted to study the impact of microfinance on women participants' income and employment in Jigjig city. This study will provide an opportunity for the policymaker to focus more on microcredit to help women for their upliftment.