| 研究課題/領域番号 |
18K01604
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| 研究機関 | 埼玉大学 |
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研究代表者 |
サムレト ソワンルン 埼玉大学, 人文社会科学研究科, 准教授 (90614371)
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| 研究期間 (年度) |
2018-04-01 – 2022-03-31
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| キーワード | Indebtedness / Microfinance / Cambodia |
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| 研究実績の概要 |
During FY2018, the accomplished research activities were the examination of indebtedness among micro borrowers and the preparation for the surveys on the operation of microfinance institutions (MFIs) and on the access to finance of selected households by taking into account the imposition of the interest rate ceiling in Cambodia.
From a database of year-long financial diaries of selected poor households in a commune, households' debt repayment seems to account for every high share of their total annual expenditure. The use of credit for non-productive purposes is also apparent among micro borrowers. These results, based on which a research paper is being prepared, provide important information for further investigation. For the preparation for the surveys on MFIs and households, it had been conducted by collaborating with the Credit Bureau Cambodia (CBC), the Cambodia Microfinance Association (CMA) and JICA Research Institute. The survey framework and questionnaire were designed and revised by taking into account survey frameworks of existing studies and the Cambodia Socio-Economic Survey.
Moreover, in an attempt to deepen the understanding on the process of economic development and financial sector in Cambodia, research activities related to dollarization were also implemented. The results were presented at an academic conference and seminars and were also published in academic journals.
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| 現在までの達成度 (区分) |
現在までの達成度 (区分)
2: おおむね順調に進展している
理由
The planned research activities for FY2018 are the examination of over-indebtedness among borrowers in microfinance sector in Cambodia. As described in "Summary of Research Achievements," this was accomplished as planned and the preparation for the surveys on MFIs and households were also conducted. Additionally, other related research activities were also carried out during FY2018. Therefore, it is obvious that the current status of this project is "Progressing Rather Smoothly."
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| 今後の研究の推進方策 |
During FY2019, field surveys on the operation of microfinance institutions (MFIs) and on the access to finance of selected households by taking into account the imposition of the interest rate ceiling will be implemented. Based on the databases from these surveys, the impacts of the interest rate ceiling on indebtedness and financial inclusion will be investigated. How the interest rate ceiling affects MFIs and their borrowers, etc., will be qualitatively and quantitatively examined. Existing databases from the National Bank of Cambodia and the Cambodia Socio-Economic Survey will also be used when necessary.
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| 次年度使用額が生じた理由 |
The costs for collecting data and information could be partially saved during FY2018 since the planned research activities could be partly accomplished by using the existing database obtained from previous research activities of the Principal Investigator. The amount incurred from FY2018 will be used for partially covering the costs for field surveys and research travel during FY2019.
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