İŞLETME PERFORMANSINDA MİKROFİNANS HİZMETLERİNİN DEĞERLENDİRİLMESİ: “UGANDA’NIN ARUA KENTİNE BİR DURUM ÇALIŞMASI”

Öz

Son yıllarda, Uganda’da ve özellikle Arua bölgesinde mikro ve küçük-ölçekli işletmelerin sayısı hızla artmakta fakat bu işletmelerin sürekliliği için gereken sermaye miktarındaki yetersizlik politika geliştirenlerin ilgi odağı haline gelmiştir. Yetersiz sermaye problemini çözmek için, Uganda hükümeti, özelleştirme sürecinde ekonomik olarak aktif ancak finansal bakımdan kısıtlı ve hassas işletmelere mikrokredi, tasarruflar, sigorta ve girişimcilerin eğitimi gibi finansal hizmetlerin sağlanabilmesi amacıyla mikrofinans kuruluşlarının gelişimini teşvik etmektedir. Daha once yapılan çalışmaların çoğu mikro ve küçük ölçekli işletmeler yerine orta ölçekli girişimler üzerinde yoğunlaşmıştır. Bu çalışma, mikrofinans hizmetlerinin Uganda’nın Arua bölgesinde küçük ölçekli işletmelerin performansları üzerindeki etkilerini değerlendirmektedir. Mikrofinans kuruluşlarınca sağlanan hizmetlerin çoğunun işletmelerin performanslarını olumlu yönde etkilediği görülmüştür. Analiz sonuçları, eğitim, tasarruf, hizmet-içi eğitim ve kredi miktarlarının küçük-ölçekli işletmelerin performanslarını önemli derecede etkilediğini göstermektedir. 

Anahtar Kelimeler

• Mikro finans,Mikrofinans Kurumları,Performans,Mikro ve Küçük ölçekli İşletmeler

ASSESSMENT OF MICROFINANCE SERVICES ON BUSINESS PERFORMANCE: “A CASE STUDY OF ARUA DISTRICT OF UGANDA”

Abstract

In recent years, micro and small-scale businesses have been rapidly increasing in Uganda and Arua district in particular but the issue of inadequate capital to run these businesses has been a growing concern for many policy makers. In order to solve this problem, the government of Uganda through privatization encouraged the development of microfinance institutions to provide financial services such as microcredit, savings, micro insurance and training to micro entrepreneurs who are economically active, but financially constrained and vulnerable. Most of the previous studies focused on small and medium enterprises leaving out micro enterprises. This study aimed to assess the impact of microfinance services on the performance of micro and small- scale businesses in Arua district in Uganda.

Keywords

• Microfinance,Microfinance Institutions

Kaynakça

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