Funding the home-based enterprise: Finance and credit in developing country livelihoods.
Micro-credit is centre-stage in international development circles, not least because of the UN Year of Micro-credit in 2005. This paper examines data collected for a study of the environmental impacts of home-based enterprises (HBEs) to assess the nature of micro-credit use by their operators. Our c...
| Publicado en: | International Development Planning Review Vol. 29; no. 2; pp. 125 - 160 |
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| Autores principales: | , |
| Formato: | Artículo |
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Liverpool University Press / Journals
May2007
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| Acceso en línea: | Ver este registro en EBSCOhost |
| fields | @attributes: recordID: 1 pdfLink: plink: https://search.ebscohost.com/login.aspx?direct=true&db=hlh&AN=26399986&site=ehost-live header: @attributes: shortDbName: hlh uiTerm: 26399986 longDbName: Humanities International Complete uiTag: AN controlInfo: bkinfo: jinfo: jid: 14746743 HCC jtl: International Development Planning Review issn: 14746743 maglogo: N pubinfo: dt: May2007 vid: 29 iid: 2 pid: 39786 pub: Liverpool University Press / Journals artinfo: ui: 26399986 10.3828/idpr.29.2.1 ppf: 125 ppct: 35 formats: fmt: @attributes: type: P size: 457KB tig: atl: Funding the home-based enterprise: Finance and credit in developing country livelihoods. aug: au: Tipple, Graham Coulson, Justine affil: Reader in Housing Policy and Development, School of Architecture, Planning and Landscape, Newcastle University, Newcastle upon Tyne NE1 7RU Operations Manager, Marie Stopes Uganda su: Home businesses Small business Microfinance Financial services industry Banking industry Business enterprises sug: subj: Home businesses Small business Microfinance Financial services industry Banking industry Business enterprises ab: Micro-credit is centre-stage in international development circles, not least because of the UN Year of Micro-credit in 2005. This paper examines data collected for a study of the environmental impacts of home-based enterprises (HBEs) to assess the nature of micro-credit use by their operators. Our case studies were of 150 HBE operators in each of the following locations: Surabaya, New Delhi, Pretoria and Cochabamba. Though micro-credit is available in each of our case study cities, we found much less use of any credit source, and many more problems of accessing micro-credit than might be expected from the literature. Only in Cochabamba was routine use made of such loans, but only by a minority of HBEs. Most HBEs are financed out of earnings from elsewhere, windfall gains and savings. Only in India were other loan sources, especially money-lenders, used to any great extent. Problems in accessing micro-credit included the extortion of bribes by bank officials, and a general debt-aversion by HBE operators, especially in Pretoria. pubtype: Academic Journal doctype: Article src: R language: English refInfo: copyright: @attributes: flag: Y custom: Copyright of International Development Planning Review is published by Liverpool University Press, and its content may not be copied or emailed to multiple sites or posted to a listserv without Liverpool University Press's express written copyright permission. However, users may print, download, or email articles for individual use. item: International Development Planning Review holder: Liverpool University Press / Journals dt: @attributes: year: 2007 holdings: @attributes: islocal: N |
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