加拿大论文代写：小额信贷
加拿大论文代写：小额信贷
世界上的大多数穷人对任何形式的正规信贷形式都没有过度，小额信贷并不存在。世界各地有2亿人可以获得小额信贷。正式的赞助计划，由政府制定的已失败，因为高的违约率，在某些情况下也存在政治赠品。讨论非正规市场贷款利率远高于存款利率。可以看出，世界许多地区的年利率为40至200%。在发展中国家的贷款利率一直在78.5%，目前年和资本成本的平均利息率为32.5%（2010的Armendariz和Morduch，）。在发展中国家，利率的变化是相似的，这些统计数字证明，在发展中国家和发达国家，穷人的利率比富人多。出于这个原因，有许多原因，这些原因将详细讨论。与穷人相比，富人在信心区间支付的利率较低。在印度，信用报告显示，在农村地区，人们抵押他们的土地应支付利率在28至124%之间（阿西莫格鲁，2008）。栽培及其支付21至40%（巴克纳，2014）。
这个差距的实证证据如下：D应该谁来对金融机构的贷款风险拖欠下的人民。R = 1 + R可以被假定为总利率，在这种情况下，银行无利可图。（一维）RIS补偿了存款人，作为回报，资本的预测边际产品等同于（一维）R，这可以解释上面解释的所有事实（布劳格，1997）。
加拿大论文代写：小额信贷
Most of the poor people in world do not have excess to any of the forms of formal credit which is not present with microcredit. Microcredit is accessible by 200 million people all over the world. The formal sponsored programs developed by the government have been failed because of high default rates and at some situations political giveaways were also present. Discussing about the informal market the rates of lending money are much higher than the rates of deposit. It can be viewed that the interest rates yearly have been 40 to 200% at many parts of the world. In developing countries this lending rate has been at an average interest rate of 78.5% that was present yearly and the cost of capital was 32.5% (Armendariz and Morduch, 2010). In developing countries, the variability of the interest rates has been similar and these statistics prove that in developing and developed countries poor have given much more interest rates than rich people. There are many reasons presented for this reason and these reasons will be discussed in detail. In comparison with poor, rich people pay less interest rate in the confidence interval. In India the credit report shows that in rural areas of the country where people mortgage their lands were supposed to pay interest rates that were between 28 to 124% (Acemoglu, 2008). The cultivations and its pays were between 21 to 40% (Buckner, 2014).
Empirical evidence about this disparity can be as follows: d% is supposed to be the people who come under the risk defaulters on the loan given by financial institutions. R=1+r can be supposed as the gross interest rates and in this case banks make no profit. (1-d) Ris compensated to the depositors and in return the forecasted marginal product of capital was equated to (1-d) R and this can explain all the facts that are explained above (Blaug, 1997).
