Financial strategies of marginalized urban inhabitants and potentials of microfinance in sub-Saharan Africa. focal point: (negative and positive) impacts on social capital target group: financially excluded

边缘化城市居民的金融战略和撒哈拉以南非洲小额信贷的潜力。

• 批准号: 148563173
• 负责人: Professorin Dr. Beate Lohnert
• 金额: --
• 依托单位: Lehrstuhl für Geographische Entwicklungsforschung
• 依托单位国家: 德国
• 项目类别: Research Grants
• 财政年份: 2010
• 资助国家: 德国
• 起止时间: 2009-12-31 至 2016-12-31
• 项目状态: 已结题
• 来源: https://gepris.dfg.de/gepris/projekt/148563173?language=en
• 关键词: Financial; strategies; marginalized; urban; inhabitants

Social capital is a pivotal issue for the livelihood strategies of marginalized inhabitants in urban areas in Africa. Microloans have an impact on social capital (as shown in the hitherto research). Additionally missing social and human capital can be a crucial access barrier for potential microfinance clients. The aim of the project is to analyse the complexity between social capital, access to microcredit as well as livelihood strategies from a socio-economic point of view. As yet microloans were analysed as strategy for improved housing. Moreover the social coherence in the tension-filled area between trust, peer monitoring and peer pressure was explored within multiple formal and informal microcredit groups (please see report for further details). The prolongation of the project shall expand the findings by outsiders' perspectives. Target group will be persons who are (voluntary or marginalized) not in any credit group. These financially excluded will be traced and interviewed, to analyse their point of view on microfinance supply. In the established research areas present facilities for formal and informal loans are already known. Main objective is to detect why some inhabitants do not become members in microfinance groups - although several possibilities for microloans are nearby - and how social capital influences this condition.

社会资本是非洲城市地区边缘化居民生计战略的关键问题。小额贷款对社会资本有影响（如迄今为止的研究所示）。此外，社会资本和人力资本的缺失可能成为潜在小额信贷客户的重要准入障碍。该项目的目的是从社会经济角度分析社会资本、小额信贷获取以及生计策略之间的复杂性。迄今为止，小额贷款仍被作为改善住房的策略进行分析。此外，多个正式和非正式的小额信贷团体还探讨了信任、同伴监督和同伴压力之间充满紧张关系的社会一致性（更多详细信息，请参阅报告）。项目的延长将扩大局外人视角的发现范围。目标群体将是不属于任何信用群体的人（自愿的或边缘化的）。这些在经济上被排除在外的人将被追踪和访谈，以分析他们对小额信贷供应的看法。在已建立的研究领域中，目前的正式和非正式贷款设施是已知的。主要目标是找出为什么一些居民没有成为小额信贷团体的成员（尽管附近有几种小额贷款的可能性）以及社会资本如何影响这种情况。