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首页> 外文期刊>International Journal of Rural Management >Some Determinants of Changes in the Real Income of Microfinance Programme Participating Households in Kerala
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Some Determinants of Changes in the Real Income of Microfinance Programme Participating Households in Kerala

机译：喀拉拉邦小额信贷计划参与家庭的实际收入变化的一些决定因素

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This article examines whether the family households participating in the microfinance programme experience positive changes in their real income. This article uses the individual data of 300 microfinance participating households, the data of 45 creditdelivery groups in three sample branches of a microfinance institution (Evangelical Social Action Forum-Microfinance and Investments Pvt Ltd [ESAF-MFIL]/Evangelical Social Action Forum-Self-help Group [ESAF-SHG] federation) in Kerala, India. The analysis has been conducted by using logistic regression model. This study finds that either (a) an increase in the number of working members in a family household, or (b) presence of Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) employed members in a family household or (c) an increase in the expenditure on assets by members of a family household is likely to increase the real income of the family household. However, the presence of educated members in a family household is less likely to increase the real income of the family household.Our study suggests that the employability of the educated members is crucial for achieving positive changes in the real income of a family household. This study finds no evidence for the impact of total loan amount of family households on changes in their real income, since most loans are drawn for non-income generation purposes, pointing out that the loan amount should be spent on economically valuable assets, as it raises the real income of family households participating in the microfinance programme.
机译：本文研究了参与小额信贷计划的家庭家庭的实际收入是否发生了积极变化。本文使用300个小额信贷参与家庭的个人数据，小额信贷机构三个样本分支中的45个信贷传递组的数据（福音社会行动论坛-小额信贷和投资私人有限公司[ESAF-MFIL] /福音社会行动论坛-自我-印度喀拉拉邦[ESAF-SHG]联盟帮助小组。通过使用逻辑回归模型进行了分析。这项研究发现，要么（a）家庭家庭中工作成员的数量增加，要么（b）《圣雄甘地全国农村就业保障法》（MGNREGA）的出现使家庭成员中的成员就业，或者（c）家庭成员的资产支出很可能会增加家庭的实际收入。然而，受过教育的成员在家庭中的存在不太可能增加家庭的实际收入。我们的研究表明，受过教育的成员的就业能力对于实现家庭的实际收入的积极变化至关重要。这项研究没有证据显示家庭家庭的总贷款额对其实际收入的变化有影响，因为大多数贷款是为非收入目的提取的，并指出贷款额应用于具有经济价值的资产，因为提高了参与小额信贷计划的家庭的实际收入。

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