Conflicting goals in microenterprise lending programs : the Jamaican experience

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dc.contributor.advisor McKinnell, Robert
dc.coverage.spatial Jamaica
dc.creator Estey, Steven Brien 2011-05-09T12:31:37Z 2011-05-09T12:31:37Z 1993
dc.identifier.other HC154 E87 1993
dc.description 194 leaves ; 28 cm.
dc.description Includes abstract.
dc.description Includes bibliographical references (leaves 187-194).
dc.description.abstract This thesis will argue that Microenterprise Lending Programs (MLPs) face at least one significant challenge if they are to remain viable in the long term: the clarification and reconciliation of their goals. The first chapter establishes the location of microentrepreneurs, as a specific segment of the informal economy. The second chapter moves to a discussion of the origins of MLPs, from their roots in agricultural extension programs through to the characteristics of microentrepreneurs and the constraints which characterize their businesses. This discussion will be used as a background for a discussion of the rise of MLPs as a response to the needs of individuals engaged in microenterprises. The third chapter will then proceed to a more specific discussion of the administrative issues and choices faced by the program designers. This chapter begins to look specifically at the above mentioned conflict between operational methodologies. Discussion revolves around the fact that there is significant pressure from donor agencies for programs to achieve financial self-sufficiency. This necessitates an emphasis on the credit component of the program, and may well detract from the program's ability to deliver other components usually identified with the credit plus approach, such as training and technical assistance. The conflict arises due to the fact that many programs see the provision of these other components as being of equal importance to the provision of credit. However, because of reliance upon donor funding, an MLP may be forced to compromise on the delivery of these components and adopt the approach more specifically directed toward financial self-sufficiency. (Abstract shortened by UMI.)
dc.description.provenance Made available in DSpace on 2011-05-09T12:31:37Z (GMT). No. of bitstreams: 0 en
dc.language.iso en
dc.publisher Halifax, N.S. : Saint Mary's University
dc.subject.lcc HC154
dc.subject.lcsh Economic development projects -- Jamaica
dc.subject.lcsh Small business -- Jamaica -- Finance
dc.subject.lcsh Informal sector (Economics) -- Jamaica
dc.subject.lcsh Economic assistance -- Jamaica
dc.subject.lcsh Loans -- Jamaica
dc.subject.lcsh Jamaica -- Economic policy
dc.title Conflicting goals in microenterprise lending programs : the Jamaican experience
dc.type Text Master of Arts in International Development Studies Masters International Development Studies Program Saint Mary's University (Halifax, N.S.)
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