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Dołączył: 13 Gru 2010
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 Wysłany: Śro 22:42, 26 Sty 2011 Temat postu: Poor operation of the villagers themselves microfi |
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Poor villagers microfinance operations
Sustainable. 3 farmers, particularly poor farmers have a strong financial awareness and a high degree of integrity YUEP success stories of microcredit projects prove that farmers, particularly poor farmers have a strong financial awareness and a high degree of credibility. First, the farmers, particularly poor farmers from their strong financial awareness as an independent operator's hands-on family. They see farmers in their villages, who can obtain loans from credit unions, anyone can engage in business activities and make money. Credit unions do not know who they are, in particular,[link widoczny dla zalogowanych], there is no collateral, credit unions do not give them loans, they can not engage in business activities, will not be able to make money, have in poverty. For example, in forestry and community for the first volume YUEP l3 project area, a high mountain steep slope,[link widoczny dla zalogowanych], the villagers contracted to the main corn, poor farmers can not afford or can not buy fertilizer per mu in 100ks or so a year down the food deficit of several months, while the village and to those Fuyu Hu money from credit loans to farmers, most of them can buy a few packs of fertilizer in a timely manner, so that the corn yield by 30% to double. All of these real facts, to the villagers with one another on the Church's financial literacy class. Therefore, those who blame farmers, especially poor farmers are not financial sense of the Secondly, the farmers, particularly poor farmers have a high degree of financial integrity, thanks to the scientific system of micro-credit constraints. Main scientific system of micro-credit,[link widoczny dla zalogowanych], first Governor of mutual help group loans mutual insurance. The so-called mutual aid, is another preferred projects and provide technical and manpower assistance; the so-called mutual supervision, mutual supervision refers to the smooth implementation of various projects to prevent failures; the so-called mutual insurance, is another guarantee repayment, if not from a loan The remaining few have to help pay the debt, thereby leading to a 100% repayment rate. Second, the order of loans that a lending group, individual lending has, inevitably, after monitoring the first loans to borrowers, because lenders did only the first scheduled repayment, after the money lenders to loan to. Third, farmers are poor farmers, especially vulnerable people in rural areas, they have no capital, for any reason or powerful groups like the state-owned enterprises as bilk rich people did not return,[link widoczny dla zalogowanych], the result is a surprisingly high degree of integrity. It should be noted that micro-credit for farmers, especially poor farmers rather than creating a self-employment employment employment opportunities. In YUEP project area, in addition to poor farmers on the land contract labor, there is no industrial, commercial,[link widoczny dla zalogowanych], agricultural leading enterprises, employment jobs. If you want to create these opportunities, while the cost is too high, the government and society can not afford even the existence of individual opportunities, but also fail to get the poor farmers, because the county and township officials, children, relatives already close watch the. The marked out, it can be done only for individual farmers, most farmers due to lack of city travel, work and technology, are generally difficult to achieve. The micro-credit to farmers, especially poor farmers to lend a few hundred dollars to more than one thousand yuan, enabling them to develop family-run, mostly food production, aquaculture, and to do small business projects. The self-employment loans to farmers than the employability, it can stimulate their talents and hard work to get rich MicrofinanceOperatedbyPovertyFarmers deleted 0Junchen. XUANYi (YunnanAcademyofSocialScience, l <Ill1miJIg650032) Abstract: Themicrofinancefacedpovertyfarmersisdifferentfromthetraditionalmicrofinance. Thislncan8isoperatedbyfarmers, objectofloanispovertyfarmers, operationcostisverylow, andI ~ tulTIrateisahundredpercent. Thepaperpresentstheoperationmodelofmicrofinanceedpovertyfarmersanditscharacteristics. KeywDrds: microfinancefacedpovertyfarmers; operationmodel; characteristics
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