Мікрокредитування соціальних підприємств в україні: стан та перспективи розвитку
Ключові слова:
мікрокредитування, соціальне підприємство, кредитні спілки
Анотація
У статті досліджено сучасний стан розвитку ринку мікрокредитування і як традиційних підприємств, так і соціальних підприємств. Визначено основні проблеми мікрокредитування соціальних підприємств в Україні та запропоновано шляхи їх вирішення.
Завантаження
Дані завантаження ще не доступні.
Посилання
1. Crépon B., Devoto F., Duflo E., Parienté W (2011). Impact of microcredit in rural areas of Morocco: Evidence from a Randomized Evaluation. Retrieved from: http://www.ucl.be/cps/ucl/doc/econ/documents/PapierWP-internal_workshop.pdf.
2. Dyak I (2012). Mikrokredytuvannia biznesu v Ukraini [Microcredit of business in Ukraine]. Retrieved from: http://li-maup.edu.lviv.ua/uploads/media/content/2012.pdf#page=56.
3. Microfinance 3.0. Reconciling Sustainability with Social Outreach and Responsible Delivery (2013). Retrieved from: http://download-v2.springer.com/static/pdf/380/bok%253A978-3-642-41704-7.pdf?token2=exp=1430854894~acl=%2Fstatic%2Fpdf%2F380%2Fbok%25253A978-3-642-41704-7.pdf*~hmac=dfec8b1f3403dc3345fda07b2b6205621cba6c7fde0f9052fe5dc67b9489705c.
4. Sorokivska Z (2014). Kharakterni rysy i problemy rozvytku mikrokredytuvannia v Ukraini [The characteristic features and problems of microcredit in Ukraine]. Retrieved from http://nbuv.gov.ua/j-pdf/Un_msm_2014_19(1)__20.pdf.
5. Varnaliy Z. S., Dryha S. H., Taranhul L. L (2008) Mikrokredytuvannia maloho pidpryiemnytstva [Microcredit for small businesses]. Irpin, NUDPSU.
6. Shtefano A. P. (2012). Prohramy mikrokre-dytuvannia maloho biznesu v Ukraini: osoblyvosti vprovadzhennia ta problemy rozvytku [Micro Lending Programme of small business in Ukraine: peculiarities of implementation and problems of development]. Retrieved from : http://www.lef.lviv.ua/files/archive/2012/09_1_2012.pdf#page=63.
7. Kryven N. V. (2009) Zarubizhnyi dosvid mikrokredytuvannia. [Foreign experience of microcredit]. Retrieved from: http://dspace.uabs.edu.ua/jspui/bitstream/123456789/1492/1/21.pdf.
8. Bourlès R., Cozarenco A. (2014). State intervention and the microcredit market: the role of business development services. Retrieved from: http://link.springer.com/article/10.1007%2Fs11187-014-9578-0#page-1.
9. Social economy and social entrepreneurship – Social Europe guide (2013) – Volume 4. – Luxembourg: Publications Office of the European Union. Retrieved from : ec.europa.eu/social.
10. Machiko Nissanke (2002). Donors Support for Microcredit as Social Enterprise: A Critical Reappraisal. Retrieved from: http://www.wider.unu.edu/publications/working-papers/discussion-papers/2002/en_GB/dp2002-127/.
11. Borzaga C., Galera G., Nogales R. (2008).Social Enterprise: A New Model for Poverty Reduction and Employment Generation. Retrieved from: http://www.emes.net/uploads/media/11.08_EMES_UNDP_publication.pdf.
12. A. Wexler R. (2006).Social Enterprise: A Legal Context. The Exempt Organization Tax Review. Retrieved from: http://www.adlercolvin.com/pdf/grantmaking/SocialEnterprise.pdf.
13. Bugg-Levine A., Kogut B., Kulatilaka N. (2012). A New Approach to Funding Social Enterprises. Harvard Business Review. Retrieved from: https://hbr.org/2012/01/a-new-approach-to-funding-social-enterprises.
14. Lopriore M., Pati D. (2012).Microcredit and EU Cohesion Policy. Retrieved from : http://www.eipa.eu/files/repository/eipascope/20120710144134_MLO_Eipascope2012.pdf.
15. Porter M., Kramer M. (2011). How to Fix Capitalism. Harvard Business Review. Retrieved from https://hbr.org/2011/01/how-to-fix-capitalism.
16. U.S. Small Business Administration. Retrieved from https://www.sba.gov/content/microloan-program.
17. Brown G. (2010). When Small is Big: Microcredit and Economic Development. Technology Innovation Management Review. Retrieved from http://timreview.ca/article/392.
18. Stratford K (2013). Social Enterprise – An Introduction. Blue Beetle Books Inc. Retrieved from : http://www.smallbusinesssuccess.ca/ebooks/business_infosource/pdfs/2013_SocialEnterprise.pdf.
19. Prudnikov A. O. (2014). Porivnialnyi analiz systemy kredytnykh spilok Ukrainy, Spoluchenykh Shtativ Ameryky ta Kanady [Comparative analy-sis of Credit Unions of Ukraine, the United States and Canada]. Retrieved from: http://irbis-nbuv.gov.ua/cgibin/irbis_nbuv/cgiirbis_64.exe?C21COM=2&I21DBN=UJRN&P21DBN=UJRN&IMAGE_FILE_DOWNLOAD=1&Image_file_name=PDF/molv_2014_4(07)__32.pdf.
20. Alter K. (2007). Social Enterprise Typology. Virtue Ventures LLC. Retrieved from https://www.globalcube.net/clients/philippson/content/medias/download/SE_typology.pdf.
21. The Three Models of Social Enterprises: Creating social impact through trading activities: Part 1 (2008). Retrieved from https://www.cafonline.org/pdf/Ventursome3ModelsOfSocialEnterprise_Part-1Jan2008.pdf.
22. Wallimann I. (2014). Sustainable Community Development: The Social Economy Basel as Example of Social and Solidarity Economy Practice. Retrieved from http://www.social-dialogue.com/SD-pdf/VOL.7.pdf.
23. Tsentr Rozvytku Sotsial’noho Pidpryyemnytstva [Social Enterprise Development Centre]. Retrieved from http://sedc.lviv.ua/text-podii.html.
24. Kabmin khoche zaluchyty miliard dolariv dlia ukrainskykh ahrariiv (2014) [Cabinet wants to attract one billion dollars for Ukrainian farmers]. Retrieved from http://economics.unian.ua/agro/1020058-kabmin-hoche-zaluchiti-milyard-dolariv-dlya-ukrajinskih-agrarijiv.html http://economics.unian.ua/agro/1020058-kabmin-hoche-zaluchitimilyard-dolariv-dlya-ukrajinskih-agrarijiv.html.
25. Global Innovation Index. Retrieved from https://www.globalinnovationindex.org/content.aspx?page=data-analysis.
26. Moskovskaja A. A. (2011). Social’noe predprinimatel’stvo v Rossii i v mire: praktika i issledovanija [Social entrepreneurship in Russia and in the world: practice and research]. M.: Izd. dom Vysshej shkoly ehkonomiki.
27. Spear R. (2013). Boosting Social Entrepreneurship and Social Enterprise Creation in the Republic of Serbia. OECD Local Economic and Employment Development (LEED). Retrieved from http://dx.doi.org/10.1787/5k3xz6lswcwl-en.
28. Gurvich V (2006). Makroeffekt ot mikrokreditov [Macro Effect of microcredits]. Retrieved from http://www.rg.ru/2006/03/21/dengi.html.
29. Kredytnyi rukh: vidrodzhennia i rozvytok kredytnykh spilok [Credit movement: the revival and development of credit unions]. Retrieved from http://www.academia.org.ua/?p=379.
30. Nordmeyer B. What Is the Difference Between a Microloan and Microcredit? Retrieved from http://smallbusiness.chron.com/difference-betweenmicroloan-microcredit-39307.html.
31. Omata N. (2013). Microfinance: recent trends and emerging challenges. Retrieved from http://www.oxhip.org/2013/01/microfinance-recent-trend-and-emerging-challenges/.
32. Mamuta M., Berezinskaja O., Emelin A., Strat’eva E., Ivanov O., Tomilova O. (2012). Koncepcija povyshenija dostupnosti roznichnyh finansovyh uslug i razvitija mikrofinansirovanija v Rossijskoj Federacii na period 2012–2016 gg. [The concept of increasing the availability of retail financial services and the development of microfinance in the Russian Federation for the period 2012 - 2016 years]. Retrieved from http://www.rmcenter.ru/files/Concept_2012-2016.pdf.
33. Predlozhenija NAUMIR po razvitiju sistemy gosudarstvennoj podderzhki mikrofinansirovanija v celjah povyshenija dostupnosti kreditnyh resursov dlja nachinajushhih predprinimatelej v 2011–2012 godah. [RMC’s proposals for the development of the system of state support of microfinance in order to inrease the availability of credit resources for start-ups in 2011–2012 years]. Retrieved from http://www.rm-center.ru/files/NAMMS_Development_2011-2012.doc.
2. Dyak I (2012). Mikrokredytuvannia biznesu v Ukraini [Microcredit of business in Ukraine]. Retrieved from: http://li-maup.edu.lviv.ua/uploads/media/content/2012.pdf#page=56.
3. Microfinance 3.0. Reconciling Sustainability with Social Outreach and Responsible Delivery (2013). Retrieved from: http://download-v2.springer.com/static/pdf/380/bok%253A978-3-642-41704-7.pdf?token2=exp=1430854894~acl=%2Fstatic%2Fpdf%2F380%2Fbok%25253A978-3-642-41704-7.pdf*~hmac=dfec8b1f3403dc3345fda07b2b6205621cba6c7fde0f9052fe5dc67b9489705c.
4. Sorokivska Z (2014). Kharakterni rysy i problemy rozvytku mikrokredytuvannia v Ukraini [The characteristic features and problems of microcredit in Ukraine]. Retrieved from http://nbuv.gov.ua/j-pdf/Un_msm_2014_19(1)__20.pdf.
5. Varnaliy Z. S., Dryha S. H., Taranhul L. L (2008) Mikrokredytuvannia maloho pidpryiemnytstva [Microcredit for small businesses]. Irpin, NUDPSU.
6. Shtefano A. P. (2012). Prohramy mikrokre-dytuvannia maloho biznesu v Ukraini: osoblyvosti vprovadzhennia ta problemy rozvytku [Micro Lending Programme of small business in Ukraine: peculiarities of implementation and problems of development]. Retrieved from : http://www.lef.lviv.ua/files/archive/2012/09_1_2012.pdf#page=63.
7. Kryven N. V. (2009) Zarubizhnyi dosvid mikrokredytuvannia. [Foreign experience of microcredit]. Retrieved from: http://dspace.uabs.edu.ua/jspui/bitstream/123456789/1492/1/21.pdf.
8. Bourlès R., Cozarenco A. (2014). State intervention and the microcredit market: the role of business development services. Retrieved from: http://link.springer.com/article/10.1007%2Fs11187-014-9578-0#page-1.
9. Social economy and social entrepreneurship – Social Europe guide (2013) – Volume 4. – Luxembourg: Publications Office of the European Union. Retrieved from : ec.europa.eu/social.
10. Machiko Nissanke (2002). Donors Support for Microcredit as Social Enterprise: A Critical Reappraisal. Retrieved from: http://www.wider.unu.edu/publications/working-papers/discussion-papers/2002/en_GB/dp2002-127/.
11. Borzaga C., Galera G., Nogales R. (2008).Social Enterprise: A New Model for Poverty Reduction and Employment Generation. Retrieved from: http://www.emes.net/uploads/media/11.08_EMES_UNDP_publication.pdf.
12. A. Wexler R. (2006).Social Enterprise: A Legal Context. The Exempt Organization Tax Review. Retrieved from: http://www.adlercolvin.com/pdf/grantmaking/SocialEnterprise.pdf.
13. Bugg-Levine A., Kogut B., Kulatilaka N. (2012). A New Approach to Funding Social Enterprises. Harvard Business Review. Retrieved from: https://hbr.org/2012/01/a-new-approach-to-funding-social-enterprises.
14. Lopriore M., Pati D. (2012).Microcredit and EU Cohesion Policy. Retrieved from : http://www.eipa.eu/files/repository/eipascope/20120710144134_MLO_Eipascope2012.pdf.
15. Porter M., Kramer M. (2011). How to Fix Capitalism. Harvard Business Review. Retrieved from https://hbr.org/2011/01/how-to-fix-capitalism.
16. U.S. Small Business Administration. Retrieved from https://www.sba.gov/content/microloan-program.
17. Brown G. (2010). When Small is Big: Microcredit and Economic Development. Technology Innovation Management Review. Retrieved from http://timreview.ca/article/392.
18. Stratford K (2013). Social Enterprise – An Introduction. Blue Beetle Books Inc. Retrieved from : http://www.smallbusinesssuccess.ca/ebooks/business_infosource/pdfs/2013_SocialEnterprise.pdf.
19. Prudnikov A. O. (2014). Porivnialnyi analiz systemy kredytnykh spilok Ukrainy, Spoluchenykh Shtativ Ameryky ta Kanady [Comparative analy-sis of Credit Unions of Ukraine, the United States and Canada]. Retrieved from: http://irbis-nbuv.gov.ua/cgibin/irbis_nbuv/cgiirbis_64.exe?C21COM=2&I21DBN=UJRN&P21DBN=UJRN&IMAGE_FILE_DOWNLOAD=1&Image_file_name=PDF/molv_2014_4(07)__32.pdf.
20. Alter K. (2007). Social Enterprise Typology. Virtue Ventures LLC. Retrieved from https://www.globalcube.net/clients/philippson/content/medias/download/SE_typology.pdf.
21. The Three Models of Social Enterprises: Creating social impact through trading activities: Part 1 (2008). Retrieved from https://www.cafonline.org/pdf/Ventursome3ModelsOfSocialEnterprise_Part-1Jan2008.pdf.
22. Wallimann I. (2014). Sustainable Community Development: The Social Economy Basel as Example of Social and Solidarity Economy Practice. Retrieved from http://www.social-dialogue.com/SD-pdf/VOL.7.pdf.
23. Tsentr Rozvytku Sotsial’noho Pidpryyemnytstva [Social Enterprise Development Centre]. Retrieved from http://sedc.lviv.ua/text-podii.html.
24. Kabmin khoche zaluchyty miliard dolariv dlia ukrainskykh ahrariiv (2014) [Cabinet wants to attract one billion dollars for Ukrainian farmers]. Retrieved from http://economics.unian.ua/agro/1020058-kabmin-hoche-zaluchiti-milyard-dolariv-dlya-ukrajinskih-agrarijiv.html http://economics.unian.ua/agro/1020058-kabmin-hoche-zaluchitimilyard-dolariv-dlya-ukrajinskih-agrarijiv.html.
25. Global Innovation Index. Retrieved from https://www.globalinnovationindex.org/content.aspx?page=data-analysis.
26. Moskovskaja A. A. (2011). Social’noe predprinimatel’stvo v Rossii i v mire: praktika i issledovanija [Social entrepreneurship in Russia and in the world: practice and research]. M.: Izd. dom Vysshej shkoly ehkonomiki.
27. Spear R. (2013). Boosting Social Entrepreneurship and Social Enterprise Creation in the Republic of Serbia. OECD Local Economic and Employment Development (LEED). Retrieved from http://dx.doi.org/10.1787/5k3xz6lswcwl-en.
28. Gurvich V (2006). Makroeffekt ot mikrokreditov [Macro Effect of microcredits]. Retrieved from http://www.rg.ru/2006/03/21/dengi.html.
29. Kredytnyi rukh: vidrodzhennia i rozvytok kredytnykh spilok [Credit movement: the revival and development of credit unions]. Retrieved from http://www.academia.org.ua/?p=379.
30. Nordmeyer B. What Is the Difference Between a Microloan and Microcredit? Retrieved from http://smallbusiness.chron.com/difference-betweenmicroloan-microcredit-39307.html.
31. Omata N. (2013). Microfinance: recent trends and emerging challenges. Retrieved from http://www.oxhip.org/2013/01/microfinance-recent-trend-and-emerging-challenges/.
32. Mamuta M., Berezinskaja O., Emelin A., Strat’eva E., Ivanov O., Tomilova O. (2012). Koncepcija povyshenija dostupnosti roznichnyh finansovyh uslug i razvitija mikrofinansirovanija v Rossijskoj Federacii na period 2012–2016 gg. [The concept of increasing the availability of retail financial services and the development of microfinance in the Russian Federation for the period 2012 - 2016 years]. Retrieved from http://www.rmcenter.ru/files/Concept_2012-2016.pdf.
33. Predlozhenija NAUMIR po razvitiju sistemy gosudarstvennoj podderzhki mikrofinansirovanija v celjah povyshenija dostupnosti kreditnyh resursov dlja nachinajushhih predprinimatelej v 2011–2012 godah. [RMC’s proposals for the development of the system of state support of microfinance in order to inrease the availability of credit resources for start-ups in 2011–2012 years]. Retrieved from http://www.rm-center.ru/files/NAMMS_Development_2011-2012.doc.
Переглядів анотації: 63 Завантажень PDF: 278
Опубліковано
2015-06-25
Як цитувати
(1)
Свинчук, А. Мікрокредитування соціальних підприємств в україні: стан та перспективи розвитку. fp 2015, 343-348.
Розділ
Статті
