RESUMO
Information and communication technologies (ICTs) play an ever-increasing role in improving the efficiency, profitability, and sustainability of microfinance institutions. This paper aims to assess the role of ICTs in the microfinance industry by systematically reviewing the literature with bibliometric methods. In this research, a total of 347 samples (from 1998 to 2021) were selected from the Web of Science database according to the guideline of the systematic review. By performing descriptive statistical analysis, the contributing institutions, countries, journals, authors, as well as influential publications were identified. In the co-citation and co-word analysis section, three primary types of visualization-cluster views, timezone views and timeline viewswere all presented through CiteSpace. It turns out that crowdfunding, P2P lending and mobile banking have been the favorite topics. A central issue is the role of these platforms in entrepreneurship. We also proposed that applying fintech, especially blockchain and other emerging technologies, to promote financial inclusion is one of the future research trends. The findings of this study will be of interest to researchers, managers, policymakers, and evaluators and facilitate them to make well-informed decisions in their respective domains.
Assuntos
Bibliometria , Comunicação , Humanos , Avaliação de Programas e Projetos de Saúde , Bases de Dados Factuais , EmpreendedorismoRESUMO
Financial inclusion has been broadly recognized as critical in alleviating poverty and achieving inclusive economic growth. The capability of borrowers to repay their microcredit loans is a critical concern and is the first risk of Microfinance institutions sustainability. Exploring the determinants of credit risk is an issue of substantial importance in microfinance. The purpose of this research was to identify the savings group members' characteristics that have impact on default risk. We have used a multivariate regression model to identify the factors that affect default behaviour among microcredit borrowers from savings groups. We have analysed a sample of more than different 400 Savings Groups and 7251 active users of the "Saving and Learning" program in Ecuador. Empirical results demonstrated that factors such as seniority, accumulated savings and the number of members in the savings groups are determinant variables of default risk. The significant positive sign on variable "Gender" is consistent with the previous authors that indicate that the probability of having problems in loan repayment is higher for males than for females. The generalizability of our findings should, of course, be interpreted with caution, as they may be idiosyncratic of the sample, period or region. To contrast and contextualize these results, we had in-depth discussions with the Savinco managers and their field agent in Ecuador. There are many contributions. For practitioners, relevant factors that can affect savings groups default rates have been identified. For academics, the rich information provided by the Savinco mobile App could be a starting point for further quantitative research.
Il est largement reconnu que l'inclusion financière est essentielle pour réduire la pauvreté et parvenir à une croissance économique inclusive. La capacité des emprunteurs à rembourser leurs prêts de microcrédit est une préoccupation essentielle et constitue le premier risque pour la pérennité des institutions de microfinance. L'étude des déterminants du risque de crédit est une question d'une importance capitale en microfinance. Le but de cette étude est d'identifier les caractéristiques des membres de groupes d'épargne qui ont un impact sur le risque de défaut de paiement. Nous avons utilisé un modèle de régression multivariée pour identifier les facteurs qui affectent le comportement de défaut de paiement parmi les emprunteurs de microcrédit au sein de groupes d'épargne. Nous avons analysé un échantillon de plus de 400 groupes d'épargne différents et 7 251 utilisateurs actifs du programme « Épargne et apprentissage ¼ en Équateur. Les résultats empiriques ont démontré que des facteurs tels que l'ancienneté, l'épargne accumulée et le nombre de membres dans les groupes d'épargne sont des variables déterminantes du risque de défaut de paiement. Sur la variable « Genre ¼, le signe positif significatif est cohérent avec les études précédentes qui indiquent que la probabilité d'avoir des problèmes de remboursement de prêt est plus élevée chez les hommes que chez les femmes. Bien entendu, le caractère généralisable de nos résultats doit être interprété avec prudence, car ces résultats peuvent être uniques à l'échantillon, à la période ou à la région. Pour contraster et contextualiser ces résultats, nous avons eu des discussions approfondies avec les gestionnaires de Savinco et leur agent de terrain en Équateur. Les contributions sont nombreuses. Pour les praticiens, ont été identifiés les facteurs pertinents pouvant affecter le taux de défaut de paiement des groupes d'épargne. Pour les universitaires, les riches informations fournies par l'application mobile Savinco pourraient être un point de départ pour d'autres études quantitatives.
RESUMO
OBJECTIVE: Interventions aimed at improving health must take into account the health inequalities and the target the population in need. The mihsalud program (Women, Children and Men creating health) promotes health in vulnerable populations through engaging and collaborating with the local third sector. The objective of the study was to describe the changes attributed to the mihsalud programme and the process of action-training of community-based health volunteers (ASBC in Spanish) as perceived by the local organizations where they work or volunteer. METHODS: Qualitative descriptive study through semi-structured interviews with representatives of organizations that trained ASBC during 2012 in Valencia. Twelve semi-structured interviews were conducted with representatives of organizations which had trained some of their volunteers to become ASBC during the 2012 action-training session. The interviews were transcribed verbatim and analysed with the programme for qualitative analysis Nvivo. Themathic analysis was performed: transcripts were coded line by line from an inductive perspective. RESULTS: Three main categories were identified: 1) The role of the ASBC: The associations recognise the role of the ASBC among their peers and the importance of the training received in the program; 2) Perceived changes: The associations recognize having a broader vision of health, identify the role of the figure ASBC that coordinates with health professionals in their health area and networking with other associations that were previously unknown; 3) Challenges and opportunities: Lack of support for the continuity of projects with ASBC due to the precariousness of small organisations and coordination with services, recognition at the local level and promotion of participation and interculturality through ASBC and their peers. CONCLUSIONS: The organizations recognize that the program and ASBC have made collaboration with health sector possible, have promoted health among their peers and have encouraged networking with other organizations and areas.
OBJETIVO: Las intervenciones dirigidas a mejorar la salud deben tener en cuenta las desigualdades de la población y orientarse a la población más necesitada. El programa mihsalud (Mujeres, Infancia y Hombres construyendo salud) promueve la salud en poblaciones en situación de vulnerabilidad implicando al ámbito asociativo. El objetivo del estudio fue describir los cambios atribuidos al programa mihsalud y al proceso de formaciónacción de agentes de salud de base comunitaria (ASBC) por parte de las asociaciones a las que pertenecen. METODOS: Estudio descriptivo cualitativo mediante entrevistas semiestructuradas a representantes de asociaciones participantes que formaron ASBC durante 2012 en Valencia. Se realizaron 12 entrevistas semiestructuradas con representantes de asociaciones que formaron ASBC tras 4 años de la formación. Las entrevistas se transcribieron verbatim y se analizaron con el programa para análisis cualitativo "Nvivo (análisis temático)": Las transcripciones se codificaron línea por línea con perspectiva inductiva. RESULTADOS: Se agruparon en tres categorías principales: 1) Reconocimiento del rol del ASBC: Las asociaciones reconocieron el rol del ASBC entre sus iguales y la importancia de la formación recibida; 2) Cambios percibidos: Las asociaciones reconocieron tener una visión más amplia sobre la salud, identificaron el rol del ASBC que se coordina con los profesionales sanitarios de su zona de salud y el trabajo en red con otras asociaciones que antes desconocían; 3) Dificultades y oportunidades: La falta de apoyo para la continuidad de los proyectos vinculados con ASBC por la precariedad de las asociaciones pequeñas; y la coordinación con los servicios, el reconocimiento a nivel local y el fomento de la participación e interculturalidad a través de ASBC y sus iguales. CONCLUSIONES: Las asociaciones reconocen que el programa y ASBC han hecho posible la colaboración con recursos sanitarios, han promocionado la salud entre sus iguales y han fomentado el trabajo en red.
Assuntos
Atitude do Pessoal de Saúde , Agentes Comunitários de Saúde , Promoção da Saúde/métodos , Promoção da Saúde/organização & administração , Populações Vulneráveis , Adulto , Criança , Feminino , Pessoal de Saúde , Disparidades nos Níveis de Saúde , Disparidades em Assistência à Saúde , Humanos , Relações Interinstitucionais , Masculino , Modelos Organizacionais , Pesquisa Qualitativa , Fatores de Risco , EspanhaRESUMO
BACKGROUND: Intercultural Mediation is a strategy for quality health care aimed at reducing inequalities in immigrant population. The aim is to analyse main reasons consultation with the mediation service, women care profile and characteristics of intervention. METHODS: Cross-sectional study of 339 episodes of care by two intercultural mediators (MI) from February 2008 to October 2011 in Valencia. Variables were analysed individual records of the consultations of the MI: reasons for referral to MI and professionals who refer, motives and problems identified by MI, kind of intervention, kind of derivation of MI and socio-economic variables. To evaluate the differences between countries, X2 test was used for qualitative variables and one-way ANOVA test for quantitative variables. RESULTS: 123 women (36,3%), were referred to the MI by the Sexual and Reproductive Health Centre and 98 (28,9%) by the midwife. 272 women (80,24%) were referred for information and demand for contraception. The MI conducted health education and detected social problems in 67 women (19,7%) and gender violence in 38 (11,21%). CONCLUSIONS: The women attending were Latin American immigrants (those of Bolivia showed more vulnerability) and were referred for contraception. The MI provided information, education and facilitated access to reproductive health services. Bolivian women showed more vulnerability factors: irregular situation, precarious work and low residence time.