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| 研究生： |
藍多麗 Landazuri, Doris |
|---|---|
| 論文名稱： |
發展中國家小額信貸計畫之可行性分析：以厄瓜多為例 Feasibility Analysis of Microfinance Project in Developing Country: The Case of Ecuador |
| 指導教授： |
郭維裕
Kuo, Weiyu George |
| 學位類別： |
碩士
Master |
| 系所名稱： |
商學院 - 國際經營管理英語碩士學位學程(IMBA) International MBA Program College of Commerce(IMBA) |
| 論文出版年： | 2015 |
| 畢業學年度： | 103 |
| 語文別： | 英文 |
| 論文頁數： | 61 |
| 中文關鍵詞： | 貧窮 、孟加拉鄉村銀行 、小額貸款 、微型金融 |
| 外文關鍵詞： | Poverty, Grameen Bank., microcredit, microfinance |
| 相關次數： | 點閱：40 下載：10 |
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發展中國家小額信貸計畫之可行性分析：以厄瓜多為例
Poverty is one of the major problems around the world and it is also the cause of many others. The 2006 Nobel Prize laureate Mohammed Yunus, started in the 1980s the microfinance revolution. He created the Grameen Bank and the social business concept which is a combined and organized effort of poverty alleviation through a self sustaining business mechanism.
This thesis seeks to first understand Yunus’s microfinance model, to evaluate the microfinance industry in Ecuador, second, to identify what part of the population is excluded from this financial tool and finally to create a workable microcredit model adapted to the Ecuadorian situation. This model is mostly based on the Grameen Bank strategies, other countries experiences and innovative ideas taking into account the Ecuadorean reality. Due to the sociopolitical situation in Ecuador, a key factor of success is the alliance with the government and the economic support from international agencies. Delivering microcredit services presents several challenges; therefore many efforts are needed to its implementation. However the results can be very encouraging, improving gradually the life of approximately a third of the Ecuadorian population who lives on less than USD 2.7 a day.
1. Introduction 1
1.1. Motivation and Importance 1
1.2. Purposes and Methodology 2
2. Background and Literature Review 3
2.1. Microfinance and Poverty 3
2.2. The Grameen Bank – The Banker to the Poor 5
2.2.1. The Philosophy of the Grameen Bank 7
2.2.2. The Structure and Operations of the Grameen Bank 8
2.2.3. Other Grameen Organizations 11
2.2.4. Replications of the Grameen Model 13
3. Microcredit in Ecuador 21
3.1. Poverty and Microcredit in Ecuador 21
3.1.1. Economic and Socio-Politic Situation 21
3.1.2. Microfinance in Ecuador 23
3.1.3. Legal Framework in Ecuador 24
3.2. Current Structure of Microcredit in Ecuador 27
3.3. Grameen Replica in Ecuador 29
3.4. Feasibility Analysis of Microfinance Models in Ecuador 32
4. Proposed Microfinance Model for Ecuador 38
4.1. Legal Constitution 38
4.2. Commercial management 39
4.2.1. Competition 39
4.2.2. Segmentation 40
4.2.3. Product and Service 41
4.2.4. Strategic Partners 45
4.3. Operational Activities 47
4.3.1. Staff 47
4.3.2. Infrastructure 48
4.3.3. Technology 49
4.4. Financial Structure 49
4.4.1. Projected Income Statement 51
4.4.2. Projected Cash Flow 54
4.4.3. Projected Balance Sheet 55
4.4.4. Long-Term Plan 56
5. Conclusions and Recommendations 58
6. Bibliography 60
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