1 / 20

Topsy turvy Microfinance

Topsy turvy Microfinance. In Downtown Kingston. Caroline Hossein University of Toronto/ US Fulbright Research Associate CAPRI 26 th October 2009, Jamaica. Mina, 48, Arnett Gardens. Why can’t you get a small small loan?

dante-hicks
Télécharger la présentation

Topsy turvy Microfinance

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Topsy turvy Microfinance In Downtown Kingston Caroline Hossein University of Toronto/ US Fulbright Research Associate CAPRI 26thOctober 2009, Jamaica

  2. Mina, 48, Arnett Gardens Why can’t you get a small small loan? “Area where yuh live–eyebrow go up, deyluk at yuh, den dibady language start and a long story wida ‘hole heep a paper ting to break yuh spirit. Yuh know yuhnoh get demmoney.”

  3. Sample Size

  4. Criteria for micro business person in this study (1) full-time & legal activities (2) gross monthly sales from J$20,000 to J$300,000 (3) micro loan and/or throw partner

  5. Access to MF, N=233

  6. Type of micro businesses in sample, N=233

  7. Type of MF retailers in study, N=28

  8. Highlights from findings, n=233 • 61% can’t get a micro loan • retail sector dominates MF • missing men • 89% business full time • 45% on “capture” land • 83% not registered

  9. More Highlights • 76%, N=233 are hopeful about MF • kick-start business thru personal efforts • mi luv mi partna • 62%, N=233 feel discriminated against

  10. What Are MF practitioners saying? N=28

  11. Did you have a hard time getting a small loan? N=233 76%, N=233 of business persons believe that micro loans can help their business prosper.

  12. It’s woman time now 52% of retailers say: Women get the edge Client base: 60-83% women

  13. Women dominate MF

  14. More women, more balance? • bias and unresponsive HR • potential for home-based conflict • ‘push oomanfi get mi loan’

  15. Perspectives About Access • location, location, location • discrimination • missing men • 41% said rates too high

  16. more on Access issues • less rigmarole, more loan • 96% believe links run tings • mi nah bright • useful loans

  17. Wrap up • context matters • three-way conversations • branding microfinance

  18. Wrap up • build trust • people centered • accountability

  19. Thanks for your attention carolinehossein@yahoo.com

More Related