출처: Daryl Collins, Jonathan Morduch, Stuart Rutherford & Orlanda Ruthven, ^Portfolios of the Poor: How the World’s Poor Live on Two Dollars a Day^, Princeton University Press, 2009.
자료: http://www.portfoliosofthepoor.com/book.asp; 구글도서; ...
※ 발췌 (excerpts): pdf p. 150-152/159-161
( ... ... )
- There were the “accumulators” that allowed them to save regularly at fast rates, and the “accelerators” that encouraged them to pay down large loans quickly. The accumulators were mostly, though not exclusively, in the informal sector, and consisted of several kinds of savings clubs. The accelerators were found in the informal, semiformal (microfinance), and to a lesser extent, the formal sectors.
- The underlying mechanism was the same in the two kinds of instrument. Both help poor households maximize their budgeting capacity by exchanging usefully large sums for a series of small regular payments. In this way, the act of saving and borrowing often looks quite similar in practice (except, of course, borrowers get hold of their sum sooner). In both cases, the sums can be used for any purpose. Microloans, for example, are by no means always used fo─nor repaid from─microenterprise profits.
- ( ... ... )