Abstract

In an era of good governance, micro-financing can benefit from rules of the game enabling individuals in developing economies to borrow funds while ensuring the institutions lending such funds will be repaid. This study looked at the types of mechanisms making this possible. Even at this exploratory stage, the current study showed the benefit of good governance for both lenders and borrowers. African people, the primary focus of this study, were encouraged to help themselves out of poverty by putting in place well governed institutions, in order to attract desperately needed funding. Data from a micro-segment of African natives found individuals’ familiarity with Non-Bank Financing Institutions (NBFIs), and individuals’ acceptance of good governance directly impacted their likelihood to patronise these NBFIs. This study’s contribution is to suggest Micro-financing, implemented the right way, that is, guided by good governance, could be one way to help minority populations get out of poverty.

摘要

在一个善政时代，小额信贷可以从游戏规则中受益，游戏规则使发展中经济体的个人能够借入资金，同时确保借出这些资金的机构能够得到偿还。这项研究着眼于使之成为可能的机制类型。即使在这个探索阶段，当前的研究也显示出良好的治理对贷方和借款人都有好处。鼓励非洲人民作为这项研究的主要重点，通过建立治理完善的机构来摆脱贫困，以吸引急需的资金。来自非洲原住民的微观细分市场的数据表明，个人熟悉非银行融资机构（NBFI），个人对良好治理的接受直接影响了他们光顾这些NBFI的可能性。