KREDİ YARDIMI VE MİKRO FİNANS: PAKİSTAN’DA ANANEVİ VE İSLAMİ MİKRO FİNANS KONUSUNDA İNSANLARIN ALGISINI BELİRLEYENLER HAKKINDA BİR SAHA ÇALIŞMASI

Öz

Bu makale Pakistan’daki insanların ananevi (faizli) ve İslami mikro finans (faizsiz) konusundaki algılarını araştıran bir saha çalışmasına dayanarak kredi yardımı ve mikro finansın rolünü incelemektedir. Ananevi mikro finans fakirliği azaltma konusunda kusursuz değildir ve Pakistan gibi fakirliğin vurduğu ülkelerdeki başarısı derinlemesine incelenmelidir. Pakistan’da nüfusun ekseriyeti yıllardır fakirlik eşiğinin altında yaşadığından mikro finans ile fakirliği azaltma hedefleri tam anlamıyla gerçekleşmemiştir. Temel veri seti, Temmuz-Ekim 2014 arasında Pakistan’in Karaçi şehrinde rassal yüzyüze anket metoduyla toplanmıştır. 

Anahtar Kelimeler: Kredi yardımı, faizsiz mikro kredi, fakirliği azaltma, şeriat

CREDIT COMFORTABILITY AND MICROFINANCE: A FIELD STUDY TO DETERMINE PEOPLES’ PERCEPTION ABOUT CONVENTIONAL AND ISLAMIC MICROFINANCE IN PAKISTAN

Abstract

This paper examines credit comfortability and the role of microfinance, based on a field study which determines the perceptions of Pakistani people regarding conventional (interest based) and Islamic (interest free) microfinance. Conventional microfinance is not naïve in poverty alleviation but an in-depth analysis is needed to assess its success in poverty hit countries like Pakistan. The goals of poverty alleviation through microfinance in Pakistan have not fully achieved as majority of population have been living at below poverty line for many years. The primary data has collected through questionnaire with street intercept method during July’2014 to October’2014, in Karachi, Pakistan

Keywords: Credit comfortability, Riba free microfinance, Poverty alleviation, Shariah

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