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330.534.4:658.14/17(5-15) (1) |
National property. National assets. Social product. Balance of the economy. Estimation of national product (217) |
Business management, administration. Commercial organization (746) |
SM ISO690:2012 MOUAZEN, Ali Mohamad, HERNANDEZ LARA, Ana Beatriz. Microfinance in Lebanon: perception and facts. In: Journal of Research on Trade, Management and Economic Development, 2020, nr. 1(13), pp. 45-58. ISSN 2345-1424. |
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Journal of Research on Trade, Management and Economic Development | ||||||
Numărul 1(13) / 2020 / ISSN 2345-1424 /ISSNe 2345-1483 | ||||||
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CZU: 330.534.4:658.14/17(5-15) | ||||||
JEL: G210 | ||||||
Pag. 45-58 | ||||||
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Rezumat | ||||||
This exploratory research aims to investigate the perception and facts on how Lebanese residents understand microfinance, aiming to better understand this topic and to develop microfinance sector and policies in Lebanon. This study follows a quantitative approach and clustered simple random sampling approach targeting current and prospected microfinance clients. Data pointed out that almost 60% of the Lebanese consider microfinance institutions as social charities and 18.7% knows nothing about them. Surprisingly, the majority of respondents believed that microfinance loans interest rate is lower than traditional banks. The majority of the respondents believed that microfinance credit and loans would positively affect the society, education and economy, they also believed that these loans could reduce unemployment and poverty level. The inability to pay and exchange of collateral are the two main reasons that prevent the Lebanese from taking microfinance loans. However, satisfying personal needs such as paying debit, buying a new car and marriage encourages the Lebanese to take a microcredit, followed by developing their business. Unlike other countries that conducted similar researches, the Lebanese would get a loan for personal needs and not food enhancement. |
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Cuvinte-cheie microfinance, Microcredit, Lebanon, microfinanţare, microîmprumut, Liban, микрофинансирование, микрозайм, Ливан |
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