디지털융복합연구 (Journal of Digital Convergence)

한국디지털정책학회 (The Society of Digital Policy and Management)
권호 표지
DOI QR코드

DOI QR Code

마이크로크레딧 이용자의 창업요인 및 자기효능감이 사업체의 경제적 성과에 미치는 영향

A Study on the Influence of Start-up Factors and Self-efficacy on Economic Performance of Microenterprise

  • 임은의 (극동대학교 사회복지학과)
  • Yim, Eun-Eui (Dept. of Social Welfare of Far East University)
  • 투고 : 2015.10.20
  • 심사 : 2015.12.20
  • 발행 : 2015.12.28
PDF 다운로드
⟨ 이전 논문 다음 논문 ⟩

초록

본 연구는 마이크로크레딧 이용자의 창업요인과 자기효능감이 사업체의 경제적 성과에 영향을 미치는지를 살펴보는데 있다. 기존의 연구가 창업요인에 중점을 두었던 것에 반해, 본 연구는 이용자의 사회심리적 요인인 자기 효능감을 포함시키고, 사업체의 경제적 성과를 수익과 고용인원으로 나누어 세밀히 파악하는데 그 의의가 있다. 본 연구를 위해 2곳의 마이크로크레딧 기관의 이용자를 대상으로 설문조사를 실시하여 회수된 322부를 분석 자료로 삼았다. 분석 결과, 사업체 수익에는 창업업종, 창업경험, 운영기간, 창업자금, 자기효능감이, 사업체 고용인원에는 창업 업종, 창업자금, 자기효능감, 교육이 유의미한 영향을 미친 것으로 확인되었다. 이러한 결과를 통해 소득증대와 고용 창출을 위해 마이크로크레딧은 무엇을 중요하게 고려해야 하는 지를 파악하였으며, 특히 자기효능감의 중요성을 인식할 수 있었다. 끝으로 이러한 연구 결과에 기초하여 마이크로크레딧 성과를 제고하기 위한 정책적, 실천적 제안에 대해 논의하였다.

This study is to investigate the influence of start-up factors and self-efficacy on the economic performances of the microenterprise. While the existing studies focused on start-up factors, this study has the meaning that it includes self-efficacy, the psychosocial factors, divides the economic performances by the profit and the number of employees. For this study, 322 copies of answered questionnaires were taken as the data to analyze. As the results of analysis business type, experience of start-up, period of operation, start-up fund and self-efficacy had the significant meaning out of the profit and it was checked out that business type, fund and self-efficacy influenced on the employees. This study discussed the policy and practical suggestion to raise the performances of microcredit based on these results.

키워드

참고문헌

  1. Copestake, J., "Inequality and the polarizing impact of microcredit:evidence from Zambia's copperbelt, J, Int. Dev., pp743-755. 2002.
  2. de Mel, Suresh, David McKenzie, and Christopher Woodruff, "Returns to Capital in Microenterprises : Evidence from a Field Experiment, Quarterly Journal of Economics", Vol. 123(4): 1329-1372, 2008. https://doi.org/10.1162/qjec.2008.123.4.1329
  3. Kabeer, N. "Is microfinance a 'magic bullet' for women's empowerment" Analysis of findings from Sough Asia, Econ, Polit, Wkly, pp4709-4718, 2005.
  4. Wydick, "The effect of microenterprise lending on child schooling in Guatemala", Econ. Dev. Cult, Change 47,pp853-869. 1999. https://doi.org/10.1086/452435
  5. Clark, P., and A. Kays, "Microenterprise and the Poor: Findings from the Self-Employment Learning Project Five-year Study of Microentrepreneur", Washington, DC: the Aspen Institute, 1999.
  6. Clark, P., and Huston, T. "Assisting the smallest business: Assessing microenterprise development as a strategy for boosting poor communities", an interim report, Aspen Institute, 1993.
  7. Young-Soon, Chung, "A Path Analysis of the Impact of a Micro-Enterprise Support Program on the Participants Increased Income and Independence from Public Assistance, Social Security", Vol.24, No.4, pp89-115. 2008.
  8. Eun-Eui, Yim, Eun-Ju, Park, "Policy Changes on the Microcredit in Korea, The Korea Contents Society", Vol.13, No.1, pp.234-246, 2013.
  9. Gonzales-Vega, "The New Development Finance", Economics and Sociology Occasional Paper, No.2398, The Ohio State University, 1997.
  10. Edgcomb, E. and Klein, J. "Opening Opportunities", Building Ownership, Fulfilling the Promise of Microenterprise in the United States, The Aspen Institute. 2005.
  11. Sanders, "The Impact of Microenterprise Assistance Programs: A Comparative Study of Program Participants, non-participants and other low-wage worker", The Social Service, Vol. 76, pp321-340, 2002. https://doi.org/10.1086/339664
  12. Soo-Young, Kim, Byung-Heon, Park, "A Study on the Social Values of the Micro-Credit: Focusing on the case study using SROI model. Social Welfare Policy", Vol. 38, No. 1, pp 277-304. 2011. https://doi.org/10.15855/swp.2011.38.1.277
  13. Young-Soon, Chung, Yon-Kyung, Song, "Suvival Probability and Multivariate Survival Analysis of Micro-enterprises after Start-ups, Social Security", Vol. 24, No.1, pp307-332, 2008.
  14. Eun-Eui, Yim, Hyun-jung, Park, Eun-ju, Park, "The Study on Survival of Microcredit Start-up: Focused on the Poor Single Mother, Women's Studies Forum", Vol. 87 No.2, 2015.
  15. Man-Hee, Ryu, "The study of the outcome for the labor welfare program: Micro-enterprise Program, Social Science", Vol.24 No.1, pp41-62. 2008.
  16. Kyoung-Huy, Kim, Jung-Im, Hwang, Yun-Kyu, Ryu, "A Study on the Factors Affecting the Effects of Self-Employment of Women in Poverty: Focusing on Economical or non-economical Effects, Women's Studies Forum", Vol. 1, No. 74. pp105-138, 2008.
  17. Wakoko, F. "Microfinance and women's empowerment in Uganda: A Socioeconomic approach", Dissertation, The Ohio State University, Columbus, 2003.
  18. Jung-Hyun, Sung, Ji-Hae, Kim, "A Study on the effectiveness of Micro-Credit Loans for the Low-income Female Heads : The Case of "urgent support cash sos project" of Korean Women Fund, The Korea Social Welfare Research", Vol. 21, pp173-2002, 2009.
  19. Taylor, M. P., "Survival of the fittest? An analysis of self-employment duration in Britain. The Economic Journal", 109, C140-C155, 1999 https://doi.org/10.1111/1468-0297.00422
  20. Fairlie, R. W. and Robb, A. M., "Gender Difference in Business Performance: Evidence from the Characteristics of Business Owners Survey", Small Business Economy, 33(4), pp375-395, 2009. https://doi.org/10.1007/s11187-009-9207-5
  21. Bruderl, J., Preisendorfer, P., & Ziegler, R.. "Survival chances of newly founded business organizations. American Sociological Review", 57, 227-242.1992. https://doi.org/10.2307/2096207
  22. Mi-Hyun, Park, So-Hee, Kim, "Study on Influential Factors for Survival Probablity of Self-Employment Start-ups of Old Age Women, Social Science", Vol. 39, No.3, pp99-122, 2013. https://doi.org/10.15820/khjss.2013.39.3.006
  23. Ju-Mee, Sung, Ju-Yub, Ahn, "Determinant Factors on Economical Outcome and Subjective Evaluation in Small Business, Labor Policy", Vol. 2, No.3, 2002.
  24. Vesper K. H., "New Ventures Strategies", Englewood Cliff NJ:Prentice Hall, 1990.
  25. Sung-Han, Chung, Hae-Ryong, Kim, "An Exploratory Study on Success Factors in Small Business Startups, Venture management", Vol. 4, No.20, pp9-20, 2001.
  26. Bandura, A. "Regulation of cognitive processes through perceived self-efficacy, Developmental Psychology". No.25, 1989.
  27. Bandura A. "Social foundations of thought and action: A Social cognitive theory", Englewood Cliff, N.J: Prentice-Hall, 1986.
  28. Raheim, S. and Alter, C., "Self-employment as a social and economic developent intervention for recipients of AFDC", Journal of Community Practice, 5(1-2_, pp41-61, 1995.
  29. Loscocco, Karyn A., and Joyce Robinson. "Barriers to women's small-business success in the United States. Gender & Society" 5:511-32. 1991. https://doi.org/10.1177/089124391005004005
  30. Mi-Ja, Lee & Jung-Gyu, Kim, "T도 Effects of Entrepreneurial Intention and Entrepreneurship on Entrepreneurial Success, Journal of Digital Convergence", Vol.11, No.9, pp56-65, 2013.
  31. Yeon-Jeong, Kim & Byung-Soo, Noh, "A Study of Entrepreneurship Education Effect on the Self-Leadership and Entrepreneurship, Journal of Digital Convergence", Vol. 10, No.6, pp23-31. 2012. https://doi.org/10.14400/JDPM.2012.10.6.023
  32. In-Oh, Jeon, "Established business start-up support Impact on The youth of busines performance, Journal of Digital Convergence", Vol. 10, No11, pp103-114. 2012. https://doi.org/10.14400/JDPM.2012.10.11.103
  33. Weber, P. and Schaper, M., "Understanding the grey entrepreneur. Journal of Enterprising Culture", 12, 147-164. 2004. https://doi.org/10.1142/S0218495804000087
  34. Markman, G. D., D. B. Balkin and R. A. Barom, "Inventors and New Venture Formation: The Effects of General Self-efficacy and Regretful Thinking", Enrepreneurship Theory and Practice, 27(2), 2002.