Establishment of Comprehensive Evaluation Indicator System for Sustainable Development of Micro-credit and Empirical Analysis

Di-hang Yang and He-hua Luo

Asian Agricultural Research, 2012, vol. 04, issue 11, 6

Abstract: We establish the comprehensive evaluation indicator system for sustainable development of micro-credit, constituted by the profitability ratio, financial constitution ratio, loan quality ratio and operating efficiency ratio. Taking the case of micro-credit of China Foundation for Poverty Alleviation, we measure the current situation of sustainable development of micro-credit. As far as we are concerned, the composite index of sustainable development of micro-credit shows the growth trend on the whole. Finally, in order to further improve the sustainable development of micro-credit, provide farmers with better financial services and enable more farmers to benefit from micro-credit, we put forth the following recommendations: strengthening technological innovation to reduce costs and improve operating efficiency and profitability of the micro-credit; strengthening risk control to improve the quality of loans; providing all-around non-financial services to lay the foundation for the sustainable development of micro-credit; setting an appropriate level of interest rates to improve the profitability of the institutions.

Keywords: Agribusiness (search for similar items in EconPapers)
Date: 2012
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Persistent link: https://EconPapers.repec.org/RePEc:ags:asagre:143475

DOI: 10.22004/ag.econ.143475

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