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首页> 外文期刊>International Journal of African and Asian Studies >Rural Transformation Through Off-Farm Enterprises: Micro-finance Projects in Murinye Village, Zimbabwe
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Rural Transformation Through Off-Farm Enterprises: Micro-finance Projects in Murinye Village, Zimbabwe

机译：非农企业的农村转型：津巴布韦Murinye村的小额信贷项目

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The article assesses the contribution of Micro-Finance Project (MFPs) on the rural livelihoods development in Murinye village, Masvingo District. The significance of micro-finance project was undermined by rural development practitioners and benefactors of Murinye community who were overwhelmed by agrarianisation. Both quantitative and qualitative research methodologies using questionnaires and interviews respectively, were employed in the survey. The results indicated that MFPs enable people to build assets and save in advance. MFPs improve the living standards of rural people through increased household incomes, social capital, human and financial capital. Mismanagement of funds, defaults, lack thereof, risk of administration costs in loan assessment, follow up and repayment are challenges encountered in the running of MFPs. The research recommends that the government and NGOs should educate people on how to run their projects and use funds more effectively and efficiently. For the sustainable management of MFIs experts should be incorporated to improve the chances of success especially when they participate from the very earliest stage of project conceptualization.
机译：本文评估了小额信贷项目（MFP）对马斯温戈区Murinye村农村生计发展的贡献。农村发展的从业者和Murinye社区的捐助者破坏了小额信贷项目的重要性，这些人被农业化淹没了。调查中分别采用了问卷和访谈的定量和定性研究方法。结果表明，MFP使人们能够建立资产并提前进行储蓄。 MFP通过增加家庭收入，社会资本，人力和金融资本来改善农村人民的生活水平。资金管理不善，拖欠债务，缺乏债务，贷款评估中管理费用的风险，跟进和还款是小额信贷机构运行中遇到的挑战。研究建议政府和非政府组织应该教育人们如何运行他们的项目以及如何更有效地使用资金。为了对小额信贷机构进行可持续管理，应纳入专家以提高成功的机会，尤其是当他们从项目概念化的最早阶段参与时。

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