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    政大機構典藏 > 資訊學院 > 資訊科學系 > 期刊論文 >  Item 140.119/109239


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    題名: A Robust and Adaptive Ambient Services Management Scheme for Smart Homes
    作者: 廖峻鋒
    Liao, Chun-Feng;Jong, Ya-Wen;Fu, Li-Chen
    貢獻者: 資科系
    關鍵詞: Smart Home;Service Management;UPnP;Service Discovery;Service Management Platform
    日期: 2016
    上傳時間: 2017-04-26 17:12:13 (UTC+8)
    摘要: Growing reports indicate the presence of frauds in microfinance institutions (MFIs), as it can occur in any organization in countries where there are weak institutions, weak rule of law, and fraudulent behavior of MFI officers for personal gain. While there are increasing calls to launch financial governance of these NGO MFIs, there are concerns as to whether frauds of this nature can damage MFIs’ contributions to the credit market, particularly in the bank-linkage program where the NGO MFIs act as third party intermediary. The purpose of this study was to analyze the collusion decisions faced by MFIs and their impact on the bank-linkage program, which has been offered as a solution to help overcome adverse selection and moral hazard problems in the credit market by harnessing local information via MFIs. Our results show that even when there is a chance of collusion between MFI and the borrower, the linkage between MFI and bank can still increase the probability that the borrower puts in full effort, and therefore decreases the probabilities of both credit rationing and strategic default. Such linkage in financing viable projects can make micro-financing more effective in achieving inclusive financial development and thereby poverty reduction in rural areas.
    關聯: Journal of Platform Technology, Vol.4, No.4, pp.34-48
    資料類型: article
    顯示於類別:[資訊科學系] 期刊論文

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