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The design of micro credit contracts and micro enterprise access to finance in Uganda /

Studies have shown that the negative effects of credit market inefficiencies are most felt by smaller firms. Therefore, in countries such as Uganda, where micro enterprises are at the bottom of the economic pyramid, moral hazard and adverse selection severely affect their ability to access formal cr...

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Detalles Bibliográficos
Clasificación:Libro Electrónico
Autor principal: Tarinyeba, Winifred Mary (Autor)
Formato: Electrónico eBook
Idioma:Inglés
Publicado: [Place of publication not identified] : [publisher not identified], 2014.
Temas:
Acceso en línea:Texto completo

MARC

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049 |a UAMI 
100 1 |a Tarinyeba, Winifred Mary,  |e author. 
245 1 4 |a The design of micro credit contracts and micro enterprise access to finance in Uganda /  |c Winifred Tarinyeba Kiryabwire. 
260 |a [Place of publication not identified] :  |b [publisher not identified],  |c 2014. 
300 |a 1 online resource (1 PDF (192 pages)) :  |b illustrations 
336 |a text  |b txt  |2 rdacontent 
337 |a electronic  |2 isbdmedia 
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504 |a Includes bibliographical references (pages 155-166) and index. 
520 |a Studies have shown that the negative effects of credit market inefficiencies are most felt by smaller firms. Therefore, in countries such as Uganda, where micro enterprises are at the bottom of the economic pyramid, moral hazard and adverse selection severely affect their ability to access formal credit hence limiting their growth potential. Microfinance has been heralded for its use of innovative lending methods to improve access to credit. The last decade has witnessed an unprecedented increase in the outreach of micro lending institutions and the development of financial products suited to the needs of the economically active poor, who often, are unable to obtain credit from mainstream financial institutions. This book analyzes the law and economics theories on access to credit and enterprise finance and based on case studies in Uganda, presents empirical findings of the promise and limits of contractual innovations in micro credit. 
588 0 |a Print version record. 
505 0 |a Cover; Title page; Copyright page; Contents; PREFACE; DEDICATION; ACKNOWLEDGMENTS; LIST OF TABLES; LIST OF FIGURES; LIST OF ABBREVIATIONS; CHAPTER ONE; 1.0 ACCESS TO MICRO CREDIT IN UGANDA.; 1.1 INTRODUCTION; 1.2 RESEARCH PROBLEM AND RESEARCH QUESTIONS; 1.2.1 Research Questions; 1.3 MOTIVATION FOR THE STUDY; 1.4 RESEARCH METHODOLOGY; 1.4.1 Empirical Work; 1.5 THE RESEARCH POPULATION; 1.5.1 Micro Credit Institutions; 1.5.2 Micro Enterprises; 1.6 SELECTION CRITERIA; 1.6.1 Micro Credit Institutions; 1.6.2 Micro Enterprises; 1.6.3 Case Studies; 1.7 LIMITATIONS; 1.8 DATA ANALYSIS; CHAPTER TWO. 
505 8 |a 2.0 CREDIT, FINANCIAL DEVELOPMENT, AND ECONOMIC GROWTH:CONTEXTUALIZING THE THEORIES2.1 FINANCIAL DEVELOPMENT AND ECONOMIC GROWTH: ISTHERE A NEXUS?; 2.2 MISSING CREDIT MARKETS IN LOW INCOME COUNTRIES ANDTHE IMPLICATIONS FOR THE FINANCE-GROWTH TRAJECTORY; 2.2.1 The Preconditions for Effi cient Credit Markets: CreditorProtection; 2.2.2 The Importance of Functional and Effi cient ContractEnforcement Institutions; 2.3 CREDIT MARKETS IN LOW INCOME COUNTRIES; 2.3.1 Enterprise Finance in Africa: Demand for and Access toCredit; 2.3.2 Contracting Practices of Firms in Africa. 
505 8 |a 2.4 "INNOVATIVE LENDING" AND THE ROLE OF MICRO CREDITIN BRIDGING THE ACCESS GAPConclusion; CHAPTER THREE; 3.0 CREDIT MARKETS IN UGANDA; 3.1 A PROFILE OF THE FINANCIAL SECTOR IN UGANDA: DUALISMIN THE FINANCIAL MARKET; 3.2 COMMERCIAL BANKS AND MICRO ENTERPRISE ACCESS TOCREDIT; 3.2.1 Stanbic Bank (U) Ltd -- "Inspired, Motivated, Involved"; 3.2.2 Centenary Bank -- "Our Bank ... "; 3.3 CREDIT INSTITUTIONS AND MICRO ENTERPRISE ACCESS TOCREDIT; 3.3.1 Commercial Microfi nance (U) Ltd -- "Secure Savings, EasyLoans"; 3.4 MICROFINANCE DEPOSIT TAKING INSTITUTIONS AND MICROENTERPRISE ACCESS TO CREDIT. 
505 8 |a 3.4.1 PRIDE (Microfi nance Deposit-Taking Institution) Ltd-"Your Growth is our Pride"3.4.2 FINCA (U) Ltd (MDI) -- "Small Loans Big Changes"; 3.5 MICROFINANCE INSTITUTIONS (NON-DEPOSIT TAKING) ANDMICRO ENTERPRISES ACCESS TO CREDIT; 3.5.1 FAULU (U) Ltd -- Non-Deposit Taking Microfi nanceInstitution; 3.5.2 Success Microfi nance Services Ltd -- Non-Deposit TakingMicrofi nance Institution Serving Clientele of a Related Entity; 3.5.3 Uganda Gatsby Microfi nance Ltd -- a Member OrganizationMicrofi nance Institution; 3.5.4 Masaka Microfi nance Development Co-operative -HYBRIDMFI/SACCO. 
505 8 |a 3.5.5 Panyimur Savings and Credit Cooperative-SACCO3.5.6 Kakuuto Small Business Development Cooperative Savingsand Credit Society -- Rural- Based SACCO; 3.5.7 Naguru Savings and Credit Cooperative -- Urban BasedSACCO; 3.6 INFORMAL FINANCIAL INSTITUTIONS; 3.7 FACTORS CONTRIBUTING TO THE COSTS OF PROVIDINGCREDIT; 3.7.1 Lack of creditor information; 3.7.2 Problems with property registration and verifi cation ofownership; 3.7.3 A Weak Environment for Contract Enforcement; 3.7.4 Lack of Regulation; 3.7.5 Nature of Business Enterprises; CHAPTER FOUR. 
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