Financial strategies of marginalized urban inhabitants and potentials of microfinance in sub-Saharan Africa. focal point: (negative and positive) impacts on social capital target group: financially excluded

边缘化城市居民的金融战略和撒哈拉以南非洲小额信贷的潜力。

• 批准号: 148563173
• 负责人: Professorin Dr. Beate Lohnert
• 金额: --
• 依托单位: Lehrstuhl für Geographische Entwicklungsforschung
• 依托单位国家: 德国
• 项目类别: Research Grants
• 财政年份: 2010
• 资助国家: 德国
• 起止时间: 2009-12-31 至 2016-12-31
• 项目状态: 已结题
• 来源: https://gepris.dfg.de/gepris/projekt/148563173?language=en
• 关键词: Financial; strategies; marginalized; urban; inhabitants

Social capital is a pivotal issue for the livelihood strategies of marginalized inhabitants in urban areas in Africa. Microloans have an impact on social capital (as shown in the hitherto research). Additionally missing social and human capital can be a crucial access barrier for potential microfinance clients. The aim of the project is to analyse the complexity between social capital, access to microcredit as well as livelihood strategies from a socio-economic point of view. As yet microloans were analysed as strategy for improved housing. Moreover the social coherence in the tension-filled area between trust, peer monitoring and peer pressure was explored within multiple formal and informal microcredit groups (please see report for further details). The prolongation of the project shall expand the findings by outsiders' perspectives. Target group will be persons who are (voluntary or marginalized) not in any credit group. These financially excluded will be traced and interviewed, to analyse their point of view on microfinance supply. In the established research areas present facilities for formal and informal loans are already known. Main objective is to detect why some inhabitants do not become members in microfinance groups - although several possibilities for microloans are nearby - and how social capital influences this condition.

社会资本是非洲城市地区边缘化居民生计战略的关键问题。小额贷款对社会资本有影响（如迄今为止的研究所示）。此外，缺少社会和人力资本可能成为潜在小额金融客户获得服务的一个重要障碍。该项目的目的是从社会经济角度分析社会资本、获得小额信贷以及生计战略之间的复杂性。迄今为止，小额贷款被分析为改善住房的战略。此外，在多个正式和非正式小额信贷团体中探讨了信任、同侪监督和同侪压力之间充满紧张局势的领域的社会一致性（请参阅报告以了解更多详细信息）。该项目的延长将扩大外界观点的调查结果。目标群体将是不属于任何信贷群体的人（自愿或边缘化）。将对这些在经济上被排除在外的人进行跟踪和访谈，以分析他们对小额供资的看法。在既定的研究领域，目前的正式和非正式贷款设施是众所周知的。主要目的是查明为什么有些居民没有成为小额供资团体的成员----尽管附近有几个小额贷款的可能性----以及社会资本如何影响这种状况。