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Rozvoj komunitního turismu u shuarského etnika v Ekvádoru
Homolová, Anna
This bachelor’s thesis discusses the development of community-based tourism in Ecuador among the Shuar community in the region of Morona Santiago. The methods of investigation are literature review, interviews with the local entrepreneurs and their subsequent content analysis. The thesis focuses on the development of community tourism, the products and ideas offered by the locals, as well as how this type of business is perceived by the local community. It discusses the funding, legislation and organizations involved in tourism, and the overall operation of tourism. It considers the proceeds of the business, what happens to it and what local people use it for. Finally, it discusses self-promotion and marketing, sustainable development, and sustainable tourism. The research results show that the legal norms applied in the field of community tourism sometimes diverge from the reality that is reflected through the responses of local entrepreneurs.
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Mikrofinancování v Peru
Nedorostová, Petra
The main task of this bachelor's thesis is to approach and describe the draft of microfinance and microfinancial institutions including its composition. The first part introduce microfinance theory, general principles and history. The next part is focused on specific application microfinance in Peru and description of concrete organizations that work here. Conclusion will be valorization efficiency existence of microfinancial institutions and they have influence to improvement life situation in Peru.
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The Change of Developmnet Aid's Paradigm on the Microfinance Example
Tůmová, Dominika ; Kučerová, Irah (advisor) ; Plechanovová, Běla (referee)
The Thesis "The Change of Development Aid's Paradigm on the Microfinance Example" deals with the issue of microfinance from the point of view of development theories. Microfinance as a form of development aid is a relatively new phenomenon. It is a form of a direct financial support of small entrepreneurs in developing countries. Since the 90s commercial institutions have become increasingly involved in the process of microfinancing and projects and financing have gone beyond borders of individual states. After 2000 microfinance has become a part of the agenda of international organizations. In the last century, there was a dynamic development in the area of development theories. The change of development aid's paradigm, which took place during the 90s, marked a culmination of this process. Since the 90s the term Comprehensive Development Framework is being used. This thesis verifies validity of the subsequent hypothesis, interest in microfinancing is in accordance with the change of development theories paradigm. The incorporation of microfinance into the development aid's agenda is assessed by concepts the new paradigm works with; the human potential (individual as an active player of development), role of the institutional environment, multidisciplinarity and sustainable development.
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Performance of private MFIs and financial cooperatives
Neradová, Alena ; Van Damme, Patrick (advisor)
Developing countries have a long-term deal with a financial and economic instability in the current economic environment. Besides others, one of discussed solutions on that scheme is dedicated to microfinance where are evident efforts at delivering inclusive socio-economic development. Thus, the dissertation is focused on the analysis of the relative performance of private MFIs and financial cooperatives in Mediterranean region on selected socio-economic indicators, such as women's employment, education or level of material well-being. The impact of the offered products, such as credit and savings in the attempt to express what types of institutions are providing higher added value to clientele and in what intensity they change selected socio-economic indicator is also significant. Primary data of selected institutions will be inspected on the background of global data structured in the major regions of the world trying to understand the logics, risks and potentials of the development of the microfinance and cooperative sector and their intersections. The output will be a recommendation for the support of the microfinance and cooperative sector.
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The role of competition and interest rate on over-indebtedness in the microfinance Industry
Binney, Othniel
The main aim of the paper is to determine the role of competition and high interest rate on customer over-indebtedness. Over-indebtedness here defined, from a customer-protection perspective, as continuously struggling with debt repayment and experiencing unacceptable sacrifices related to the debt. To achieve this, a total of ten microfinance firms were selected from the study area, as well as 85 microfinance customers using a random and cross-sectional collection of data. Analysis of the data showed that even though there is a high level of competition among the microfinance firms, this has not exerted any downward pull on interest rates charged to benefit customers. Secondly, clients are more concern about repayment regimes and prevailing macroeconomic conditions than the interest charged on loans. Customer characteristics such as employment status and financial literacy were found to be directly related to possibility of over-indebtedness. Finally the study noted that interest rates of microfinance firms in Ghana have been steadily declining, even the though county has one of the highest microfinance interest rates in the world.
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Risk management in microfinance institutions
Batin, Artyom ; Brůna, Karel (advisor) ; Šíma, Ondřej (referee)
In the following paper I have tried to find the correlation between type of ownership and effective risk management in the operations of microfinance institutions in India. The results found are consistent with the current findings of how the type of ownership does not impact both the financial or social performance of MFIs. Dataset of 72 MFIs was acquired from the Microfinance Information Exchange on MFIs and evaluated using an OLS regression. The results show that the type of ownership insignificantly impacts both the credit and liquidity risk ratios of MFIs. It is possible that the impact of ownership type is more evident in other aspects of operations. In the future, a study on type of ownership and exposure to strategic and market risks could be a way forward.
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Importance of microfinance for development in Central Asia
Pavlíček, Jiří ; Šaroch, Stanislav (advisor) ; Kašpar, Václav (referee)
Diploma thesis aims at analysing impacts of microfinance on economimies of particular countries in Central Asia region. Kyrgyzstan, Tajikistan and Kazakhstan were chosen for the analysis. First part of the thesis characterizes socioeconomic development and situation in selected countries. Second part of the thesis analyses specific form of microfinance and governments' attitude to this area of financial sector. The last part of the thesis compares impacts of microfinance on chosen economies with each other. It also deals with comparation of microfinance system in Central Asia and vision of Muhammad Yunus, pioneer of modern microfinance.
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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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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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