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Microfinance and microcredit in developing countries
Harmincová, Zuzana ; Zetek, Pavel (advisor)
The main aim of the baccalaureate thesis is to summarize the available knowledge in the field of microfinance and microcredit in developing countries and assess the effectiveness of microfinance institutions sorted by type. The thesis also deals with the increased incidence of moral hazard on both sides of microfinancial services, resulting in a considerable emphasis on barriers to entry the microfinancial market, regulation and supervision of microfinance institutions and an appropriate legislative framework. Despite the fact that previous research works of the impact of microfinance on the standard of poor inhabitants' living are mainly focused on the economic side of the issue, the thesis assesses the impact of microfinance on the other (e.g. social) aspects of life. In accordance with quantity of published research documents, author states higher efficiency declared by non-profit microfinance institutions, as well as greater social benefit of such institutions and organizations.
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Microfinance and microcredits in developing countries
Adamcová, Eva ; Zetek, Pavel (advisor)
The main objective of the baccalaureate thesis is to compare through selected financial analysis ratios two leading approaches to financing the low-income population of the third world. The first approach is based on financial self-sufficiency of microfinancial institutions, the second is dependent on obtaining grants and donations. It was found out that financially self-sufficient institutions are able to serve more clients and have higher repayment rate on loans than non-self-sufficient institutions, however both types have lower portfolio at risk and write-off ratio than commercial banks. The work also deals with history of microfinance, its benefits such as positive impacts on health and education or possible drawbacks, e.g. abuse of power by group leaders. The globalization of the world's microfinancial system is taken into account in determination of alternative source for financing the microentrepreneurs, namely participation of small investors via internet.
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Social entrepreneurship: Understanding the reality of the developing world and designing sustainable solutions
Fous, Zdeněk ; Lukeš, Martin (advisor) ; Stephan, Ute (referee)
Social entrepreneurship, loosely defined as delivering social value in a sustainable way using market-based principles, is especially powerful tool in the Third world. Grass-root entrepreneurial approach of developing and empowering those countries from the bottom up is proving to be the most sustainable and efficient solution. First part of this work outlines historical context of the developing world and provides thorough analysis about challenges and threats it is facing. Furthermore, model defining what countries are the "most suitable" for a social venture is described, together with tools that are used nowadays to support the developing world. Second part puts main emphasis on defining and discussing the concept of social entrepreneurship, especially with respect to social venture design. Conclusions and practical recommendations are heavily based on interviews with successful and inspirational social entrepreneurs active in the Third world, as well as with leading NGOs with offices in the Czech Republic. All in all, the ultimate goal of this work is to create a big-picture overview about the reality the developing world is facing and describe how the most sustainable solutions can be designed.
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International development assistance - New ways of fighting against poverty
Hylmarová, Tereza ; Volenec, Otakar (advisor) ; Kochan, Jan (referee)
This thesis deals with the matter of development and methods of formation and goals of providing the development asistence. Furthermore, it describes the attitudes of various stakeholders participating in development cooperation. The author, in addition, offers tools for success in the fight against poverty and for achieving sustainable socio-economic development. Emphasis is placed on the microfinance system, which serves to ensure that poor people are given the opportunity to do business and escape the poverty by their working and effort.
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Microcredits: development and current practice
Pátková, Julie ; Půlpánová, Stanislava (advisor)
The thesis focuses on the origin and development of microcredits. In the first chapter, origin of the microcredit as a new bank product in Bangladesh is described. Further on, the most important differences between a microcredit and other credits are analyzed. A description of institutions that provide microcredits, their regulation, risk management and other microfinance products is done. The thesis also pays attention to the influence which the product has on human society. In the last chapter, development of microcredits in economically advanced countries is described.
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Microfinance and economic crisis
Vlčková, Petra ; Mládek, Josef (advisor) ; Štěpánek, Pavel (referee)
This thesis deals with microfinance in developing countries. The first part of the work provides basic information of the origin, history and the principles of microfinancing. Another part of the work describes the various ways and possibilities of providing microfinance services, provides and compares concrete examples of microfinance institutions. Bachelor's thesis also offers informations about how to measure the effectiveness of microfinance institutions and their new alternatives. The aim of this work is to see how the current economic crisis affects individual microfinance services providers. The conclusion summarizes the findings.
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Mikroúvěr a sociální podnikání
Kotálová, Radka ; Burgerová, Jiřina (advisor) ; Chalupníček, Pavel (referee)
This work deals with the fight against poverty using microcredit and attempts to explain the principles of social business. It describes the concept of microfinance and its history and offers examples of microfinance institutions operating in Mexico and Bangladesh and their comparison. The dark side of microcredit (i.e. dowry and violence) concludes this paper. It is based on books by Professor Yunus and data concerning the microfinance institutions of Mexico and Bangladesh provided by the MIX Market platform.
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New forms of fighting poverty in developing countries
Jiránková, Karolina ; Matějka, Zdeněk (advisor) ; Weissová, Petra (referee)
Diplomová práce rozebírá formy poskytování rozvojové pomoci mezinárodním společenstvím, popisuje přístup jednotlivých zúčastněných stran a analyzuje efektivnost současné rozvojové pomoci. Dále nabízí nové alternativní způsoby rozvojové pomoci, především pak systém mikrofinancování. Porovnává výhody a přínos mikrofinancí a možné překážky. V poslední části popisuje nově zaváděnou formu, tzv. sociální podnikání a ilustruje jeho fungování na konkrétním příkladu spolupráce dvou společností v Bangladéši.
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Microfinance: Grameen bank and poverty in Bangladesh
Baxová, Lucie ; Štěpánek, Pavel (advisor) ; Halás, Vladimír (referee)
Diplomová práce se zabývá otázkou mikrofinancí v rozvojovém světě. Cílem práce je zjistit, jakou hrají mikrofinance roli v dnešním světě, jakým vývojem prošly a zda jsou mikro finanční instituce z dlouhodobého hlediska udržitelné. Dále je otázka mikrofinancí aplikovaná na bangladéšskou Grameen banku, která je považována za průkopníka mikrokreditu ve světě. Budou zkoumány principy jejího fungování, kritéria pro poskytnutí půjček a hlavní důraz bude kladen na analýzu inovativního systému Grameen II. Poslední část práce pojednává o chudobě v Bangladéši a také zkoumá, jaký tam mají mikrofinance vliv na chudé lidi.
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