지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
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초록· 키워드
오류제보하기
Many low-income households in Korea can have enough opportunities to get loans for self-employment or life expenditures, because they have lower credit grade and don't have anything for collateral, etc. Microfinance(or microcredit) system have been developed to alleviate poverty at many countries in the regions of east Asia, Africa, Latin America to help the poor get self-employment. It shows now that microfinance bank can lend the poor with a successful rate of repayment. This paper deals with the case of microfinance organization in the developed countries like U.S. and France. Therefore, the cases of U.S. ACCION and French Caisse Solidaire were analysed in the criteria of objects, conditions, procedure of loan and fundraising. Then they were compared with the Korean microfinance organizations, 'Joyfulunion' and the 'Social Solidarity Bank'.
Finally this study suggests that the microfinance system will be much more introduced in the local areas. Also, the Korean microfinance organizations will be sustainable and self-support. The local governments need to invest the microfinance organizations and enhance the autonomy of them. The Korean microfinance organizations need to readjust the interest rate at the realistic level and get the procedure easier than ever. Therefore they can get the two gains of profitability and public welfare.
Finally this study suggests that the microfinance system will be much more introduced in the local areas. Also, the Korean microfinance organizations will be sustainable and self-support. The local governments need to invest the microfinance organizations and enhance the autonomy of them. The Korean microfinance organizations need to readjust the interest rate at the realistic level and get the procedure easier than ever. Therefore they can get the two gains of profitability and public welfare.
목차
1. 서론
2. 저소득층 가계의 금융이용의 문제점
3. 소액금융제도의 개념과 실태
4. 국외 사례분석 : 미국의 ACCION과 프랑스의 연대금고를 중심으로
5. 국내 사례 분석 : 신나는 조합과 사회연대은행
6. 결론
참고문헌
〈Abstract〉
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UCI(KEPA) : I410-ECN-0101-2009-305-019541236