{"_buckets": {"deposit": "d93f8765-ab77-4c74-8395-ea7e43a9fecd"}, "_deposit": {"id": "1401", "owners": [], "pid": {"revision_id": 0, "type": "recid", "value": "1401"}, "status": "published"}, "_oai": {"id": "oai:meral.edu.mm:recid/1401", "sets": ["1582963436320", "user-yueco"]}, "author_link": [], "communities": ["yueco"], "control_number": "1401", "item_1583103067471": {"attribute_name": "Title", "attribute_value_mlt": [{"subitem_1551255647225": "DETERMINANTS OF OVER-INDEBTEDNESS FOR MICROFINANCE CLIENTS ( Nyein Zarni Wai, 2019)", "subitem_1551255648112": "en"}]}, "item_1583103085720": {"attribute_name": "Description", "attribute_value_mlt": [{"interim": "This study aims to analyze the determinants of over-indebtedness for\r microfinance clients based on primary and secondary data. The sample size of 133\r respondents of total 1,300 microfinance clients who have been borrowing from at\r least two microfinance institutions was selected with random sampling and conducted\r face to face interviews with structured questionnaires. Descriptive and multiple\r regression method are used for analysis of this study. To determine the determinants\r of over-indebtedness, the three dimensions are divided in this study, (1) Credit Taking\r Behaviors, (2) Multiple Borrowing and (3) Lack of Financial Literacy. The analysis in\r the study revealed that credit taking behaviors and lack of financial literacy are\r significantly related with over-indebtedness of microfinance clients. The finding\r suggests that getting loans easily from microfinance institutions and poor money\r management skill of clients make them impulsive and it causes them over-indebted.\r To reduce over-indebtedness, microfinance institutions should improve their\r marketing strategies and lending procedures from client protection while maintaining\r risk management standards. Microfinance institutions should also provide efficient\r training for clients to improve their money management skills before providing loans."}]}, "item_1583103120197": {"attribute_name": "Files", "attribute_type": "file", "attribute_value_mlt": [{"accessrole": "open_access", "date": [{"dateType": "Available", "dateValue": "2020-05-05"}], "displaytype": "preview", "download_preview_message": "", "file_order": 0, "filename": "Nyein Zarni Wai (EMBF - 43).pdf", "filesize": [{"value": "2359 Kb"}], "format": "application/pdf", "future_date_message": "", "is_thumbnail": false, "licensetype": "license_0", "mimetype": "application/pdf", "size": 2359000.0, "url": {"url": "https://meral.edu.mm/record/1401/files/Nyein Zarni Wai (EMBF - 43).pdf"}, "version_id": "1f76aff3-75b4-4f40-98d6-0379103d43ae"}]}, "item_1583103131163": {"attribute_name": "Journal articles", "attribute_value_mlt": [{"subitem_journal_title": "Yangon University of Economics"}]}, "item_1583103233624": {"attribute_name": "Thesis/dissertations", "attribute_value_mlt": [{"subitem_awarding_university": "Yangon University of Economics", "subitem_supervisor(s)": [{"subitem_supervisor": "Daw Khin Nwe Ohn"}]}]}, "item_1583105942107": {"attribute_name": "Authors", "attribute_value_mlt": [{"subitem_authors": [{"subitem_authors_fullname": "Nyein Zarni Wai (EMBF - 43)"}]}]}, "item_1583108359239": {"attribute_name": "Upload type", "attribute_value_mlt": [{"interim": "Other"}]}, "item_1583108428133": {"attribute_name": "Publication type", "attribute_value_mlt": [{"interim": "Thesis"}]}, "item_1583159729339": {"attribute_name": "Publication date", "attribute_value": "2019-12-01"}, "item_title": "DETERMINANTS OF OVER-INDEBTEDNESS FOR MICROFINANCE CLIENTS ( Nyein Zarni Wai, 2019)", "item_type_id": "21", "owner": "1", "path": ["1582963436320", "1582965701379"], "permalink_uri": "http://hdl.handle.net/20.500.12678/0000001401", "pubdate": {"attribute_name": "Deposit date", "attribute_value": "2020-03-05"}, "publish_date": "2020-03-05", "publish_status": "0", "recid": "1401", "relation": {}, "relation_version_is_last": true, "title": ["DETERMINANTS OF OVER-INDEBTEDNESS FOR MICROFINANCE CLIENTS ( Nyein Zarni Wai, 2019)"], "weko_shared_id": -1}