Tự vững hoạt động và khả năng tiếp cận khách hàng của các tổ chức tài chính vi mô tại Thành phố Hà Nội

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Tác giả: Thu Thủy Đặng, Thị Hải Yến Nguyễn

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Khoa học và Đào tạo Ngân hàng (Tên mới: Tạp chí Kinh tế - Luật và Ngân hàng), 2015

Mô tả vật lý: tr.57-61

Bộ sưu tập: Metadata

ID: 333858

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Operational self-sustainability and outreach of microfinance institutions are closely related in the way that they supplement each other. Operational self-sustainability facilitates the institution’s outreach and in its turn outreach contributes to assure the institution’s sustainability. This paper analyzes the operational self-sustainability and outreach of microfinance institutions in Hanoi city. In this paper microfinance institutions is defined as “credit institutions that provide some banking services to meet demand of low-income individuals, households and micro-enterprises” (according to Vietnam’s Law on Credit Institutions, 2010, Article 4, Clause 5). Up to August 2015, in Hanoi city there are two microfinance institutions which are licensed by the State Bank of Vietnam and registered with Hanoi Department of Planning and Investment according to Vietnam’s Company Law, namely M7 Microfinance Institution, Ltd. (abbreviated as M7-MFI) and Tinh Thuong One-Member Microfinance Institution, Ltd. (abbreviated as TYM).Tự vững hoạt động của tổ chức tài chính vi mô (TCVM) và mức độ tiếp cận của tổ chức đối với khách hàng mục tiêu có mối quan hệ chặt chẽ, bổ trợ cho nhau. Tính tự vững của tổ chức là cơ sở để tổ chức TCVM có thể mở rộng khả năng tiếp cận với khách hàng và ngược lại, khả năng mở rộng tiếp cận khách hàng cũng giúp các tổ chức TCVM đảm bảo được tính bền vững của mình. Bài viết nhằm phân tích thực trạng thực hiện mục tiêu tự vững hoạt động và khả năng tiếp cận khách hàng của các tổ chức TCVM tại thành phố Hà Nội. Trong bài viết này khái niệm tổ chức TCVM được hiểu là “loại hình tổ chức tín dụng chủ yếu thực hiện một số hoạt động ngân hàng nhằm đáp ứng nhu cầu của các cá nhân, hộ gia đình có thu nhập thấp và doanh nghiệp siêu nhỏ” (theo Luật Các tổ chức tín dụng Việt Nam, 2010, Điều 4 khoản 5). Theo nghĩa này, tính đến tháng 8/2015, tại Thành phố Hà Nội có 2 tổ chức TCVM được Ngân hàng Nhà nước Việt Nam (NHNN) cấp phép, có chứng nhận đăng ký hoạt động theo Luật Doanh nghiệp. Đó là Tổ chức TCVM TNHH Một thành viên Tình thương (tên gọi tắt là TYM) và Tổ chức TCVM TNHH M7 (tên gọi tắt là M7-MFI).

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