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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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The issue of microfinance in developing countries
Husarová, Lucie ; Burgerová, Jiřina (advisor) ; Chalupníček, Pavel (referee)
My work will be focus on analyzing the development of microfinance. Firstly, I will describe the main features of the developing countries. In the next chapter I will near what microfinance is, how does it works, who serves. The main part of the work will be focus on the description of the development and shift in paradigm of microfinance and approaches to microfinance. Then I will describe the initial development of some major microfinance institutions. Furthermore, I will address the demand and the supply of microfinance. At the end of the work Iwill mention the impact of the crisis on microfinance.
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Neverending african way out of vicious circle of poverty
Schwarzová, Markéta ; Písař, Pavel (advisor) ; Loužek, Marek (referee)
In my baccalaureate thesis I would like to analyze the effeciency of existing develompent assistance to the poor countries (based on Africa). I will evaluate the results of the policy of The International Monetary Fund and World Bank, and review their contribution to the critical situation in these countries. I will also address the denying of the theory of the "vicious circle of poverty" and outlining a possible solution for Africa helping it to fight the poverty -- in the form of microcredits. I would like to emphasize the fact that "develompent assistance " might be a misleading yet powerful term. It is misleading because it is not a voluntary assistance, and according to the latest results it is not even an effective assistance. It is more negative and this negates the meaning of the word " assistance ". It is powerful with respect to a question to whom exactly this "development assistance " helps -- if it is not to the people of developing countries for whom it is intended? And why instead of searching for another way to fight the poverty immense amounts of money are spent although the history proves that this kind of help has negative influence to the economies of developing countries and in reality it harms more than it helps.
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Microfinance - poverty reduction tool
Šimlová, Denisa ; Adamcová, Lenka (advisor) ; Dvořáková, Klára (referee)
This diploma thesis focuses on microfinance, it's basic characteristics and general principles of it's function. It introduces microfinance approaches, development of microfinance, microfinancial services and microfinance providers. Two largest microfinance institutions in Bangladesh, Grameen bank a BRAC, illustrate how microfinance works, helps to empower the poor and reduces their poverty in one of the poorest countries in the world.
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