| 研究実績の概要 |
During FY2019, by collaborating with Credit Bureau Cambodia (CBC), Cambodia Microfinance Association (CMA), and JICA Ogata Research Institute, a survey on livelihoods and access to the finances of 1,000 households was conducted between August 19, 2019 and September 20, 2019. The survey covered 36 communes selected from five Cambodian provinces. The preliminary results from this household survey indicate that the microfinance interest rate decreased after the imposition of the ceiling. For the average loan size, its increase has generally been observed. Factors affecting the interest rate before and after the ceiling were also examined. The results show that, at a lower interest rate, higher activities of microfinance-related institutions are associated with a lower interest rate. This may indicate that competition among lending institutions for a lower interest rate loan has increased. An analysis of households’ debt service burden was also conducted. The results show that higher financial literacy is possibly associated with the lower debt burden. These preliminary results are being revised using additional data provided by CBC and CMA.
Furthermore, as an examination of an essential issue in the financial sector, research on the effects of the dollarization on Cambodia’s trade balances was also implemented. The research outcome was presented at an international conference and was published as a policy research working paper. In enhancing collaborative research activities, a study on the effects of the oilfield discoveries on government behavior was also conducted.
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| 現在までの達成度 (区分) |
現在までの達成度 (区分)
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理由
For FY2019, the research plan includes a survey on livelihood and access to the finances of randomly selected households, an examination of the impacts of the imposition of interest rate ceiling and an analysis of households’ (i.e., borrowers’) debt burden. As described in “Summary of Research Achievements,” this was accomplished as planned. Other collaborative research activities were also implemented during FY2019.
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| 今後の研究の推進方策 |
During FY2020, the overall effects of the imposition of interest rate ceiling on the microfinance sector and financial inclusion will be examined from both the lender and borrower sides using the data collected from the household survey in FY2019 and the existing data from Credit Bureau Cambodia, Cambodia Development Resource Institute, and Cambodia Microfinance Association. Further collaborative research with JICA Ogata Research Institute will be conducted.
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