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首页> 外文学位 >Micro-loans, peer lending, social support and business development: A case study of a United States-based microenterprise program and its members.
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Micro-loans, peer lending, social support and business development: A case study of a United States-based microenterprise program and its members.

机译：小额贷款，对等贷款，社会支持和业务发展：一个基于美国的微型企业计划及其成员的案例研究。

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The dissertation research was conducted on Good Work, a microenterprise program in Durham, North Carolina. Microenterprise programs such as Good Work are community-based interventions that target the entrepreneurial skills of low-income individuals as a resource to help them move toward economic independence.;At the time of the study, Good Work provided the following services to its members: business skills training, peer support opportunities, and micro-loans (disbursed using the group or peer lending technique). This research study had three primary objectives: (1) to identify the socio-economic characteristics of Good Work's members; (2) to assess the members' service needs and get feedback on the services offered by Good Work; and (3) to discern and analyze the nature of social support in the peer credit groups.;The study used a cross-sectional design for data collection. This was an exploratory study. Data were collected through personal interviews using a survey questionnaire. The sample size was 58 from a population of 254.;The results indicated that primarily women and minorities were accessing Good Work's services. The income and asset data indicated that the respondents belonged to the working-class population. The biggest barrier for the respondents when starting a business was the lack of business, financial, and marketing skills. Thus, the most important service offered by the program was the business skills training class rather than the business loans. In the peer credit groups, the types of social support most highly valued by the respondents were task appreciation, listening, emotional, and reality confirmation. Social support was rated as more important by women than by men. Social support was rated as "better" by individuals who had participated in peer groups with a specific goal or stake. There was also a positive correlation between perceived "good" social support and perceived benefit to business from peer support activities. The primary practice suggestions made to the program were (1) assist peer credit groups to develop specific task-oriented, skills-based activities as regular features of the small groups meetings; (2) make the loan borrowing process quicker and simpler; (3) perform regular client-needs-analysis to better understand the service needs of the target population.
机译：论文的研究是在北卡罗来纳州达勒姆市的微型企业计划Good Work上进行的。诸如Good Work之类的微型企业计划是基于社区的干预措施，旨在将低收入个体的创业技能作为帮助他们迈向经济独立的资源。;在研究之时，Good Work向其成员提供了以下服务：商业技能培训，同伴支持机会和小额贷款（使用团体或同伴借贷技术支付）。这项研究的主要目标是三个：（1）确定Good Work成员的社会经济特征； （2）评估会员的服务需求并获得有关Good Work提供的服务的反馈； （3）辨别和分析同伴信贷群体中社会支持的性质。该研究采用横断面设计进行数据收集。这是一项探索性研究。使用调查问卷通过个人访谈收集数据。样本量为254个人口中的58个。结果表明，主要是妇女和少数民族正在使用Good Work的服务。收入和资产数据表明，受访者属于工人阶级。受访者在创办公司时遇到的最大障碍是缺乏业务，财务和营销技能。因此，该计划提供的最重要的服务是商务技能培训课程，而不是商务贷款。在同伴信用组中，受访者最重视的社会支持类型是任务欣赏，倾听，情感和现实确认。妇女对社会支持的评价比对男人更为重要。社会支持被参加具有特定目标或利益的同龄人群体的个人评为“更好”。感知的“良好”社会支持与感知的同伴支持活动给企业带来的收益之间也存在正相关关系。对计划提出的主要实践建议是：（1）协助同行信贷小组开展以任务为导向，以技能为基础的特定活动，作为小组会议的常规内容； （2）使借贷过程更快，更简单； （3）定期进行客户需求分析，以更好地了解目标人群的服务需求。

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  • 作者

    Varma, Seema.;

  • 作者单位

    The University of North Carolina at Chapel Hill.;

  • 授予单位 The University of North Carolina at Chapel Hill.;
  • 学科 Social Work.;Economics General.;Sociology Public and Social Welfare.
  • 学位 Ph.D.
  • 年度 2001
  • 页码 157 p.
  • 总页数 157
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

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