ABSTRACT

Since many lives and livelihoods have been devastated by Covid-19 in 2020, microcredit provides loans to the poor who do not qualify for traditional bank loans has become an important aid for poverty reduction. This study investigates how microcredit training creates capital for microcredit borrowers both directly and through motivation. Using Ability, motivation and opportunity (AMO) theory it also demonstrates how socio-demographic features impact their training, motivation, and capital creation. Using stratified random sampling, 364 pieces of data were gathered from a microcredit institute operating in the northern region of Bangladesh. A series of statistical analyses were used, such as Cronbach’s alpha, confirmatory factor analysis (CFA), and the structural equation model. The results show that microcredit training directly affects borrowers’ capital creation, while borrowers’ motivation mediates the relationship between microcredit training and their capital creation. In addition, training has a significant effect on borrowers’ motivation, and borrowers’ motivation has a direct effect on capital creation. Furthermore, a high standard of education was found to be a positive factor in influencing the training of borrowers, their motivation, and their capital creation. The findings will help the government, concerned organizations, and decision-makers to improve their policies and programs for alleviating poverty and generating rural employment in Bangladesh. This study makes a significant contribution to these aims by applying the effect of AMO theory in microcredit research that has previously been unexplored.

摘要

由于 2020 年 Covid-19 摧毁了许多生命和生计，小额信贷向不符合传统银行贷款条件的穷人提供贷款已成为减贫的重要帮助。本研究调查了小额信贷培训如何直接和通过激励为小额信贷借款人创造资本。使用能力、动机和机会 (AMO) 理论，它还展示了社会人口特征如何影响他们的培训、动机和资本创造。使用分层随机抽样，从孟加拉国北部地区的一家小额信贷机构收集了 364 条数据。使用了一系列统计分析，例如Cronbach's alpha、验证性因子分析（CFA）和结构方程模型。结果表明，小额信贷培训直接影响借款人的资本创造，而借款人的动机在小额信贷培训与其资本创造之间起中介作用。此外，培训对借款人的动机有显着影响，而借款人的动机对资本创造有直接影响。此外，高水平的教育被认为是影响借款人培训、动机和资本创造的积极因素。研究结果将帮助政府、相关组织和决策者改进其在孟加拉国减轻贫困和创造农村就业的政策和计划。本研究通过将 AMO 理论的影响应用于以前未被探索的小额信贷研究，为实现这些目标做出了重大贡献。