The impact of microcredit financing on employment in Algeria

Numerous empirical studies show that microcredit is an important tool for poverty reduction and contributes to strengthening the health and education sectors. However, very few studies have examined the relationship between microcredit and employment creation at the national level, particularly in t...

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Main Author:	Tria, Djihad
Format:	Thesis
Language:	eng eng
Published:	2023
Subjects:	HB Economic Theory HG Finance
Online Access:	https://etd.uum.edu.my/11162/1/s902851_01.pdf https://etd.uum.edu.my/11162/2/s902851_02.pdf
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id	my-uum-etd.11162
record_format	uketd_dc
spelling	my-uum-etd.111622024-06-10T01:59:18Z The impact of microcredit financing on employment in Algeria 2023 Tria, Djihad Harun, Mukaramah Alam, Md Mahmudul School of Economics, Finance & Banking School of Economics, Finance and Banking HB Economic Theory HG Finance Numerous empirical studies show that microcredit is an important tool for poverty reduction and contributes to strengthening the health and education sectors. However, very few studies have examined the relationship between microcredit and employment creation at the national level, particularly in the context of employment structure. This study analyses the impact of microcredit on employment creation in Algeria. The study uses the Algerian Financial Social Accounting Matrix (AFSAM) multiplier in analyzing the impacts of microcredit on formal and informal employment in total, and by gender as well as skill level in the various economic sectors during the First National Employment Policy (NEP), Second NEP and Additional Microcredit. The results show that the most effective microcredit policies for employment creation occurred during the First NEP (2010-2014). The allocation of microcredit to the services and transport & communication sectors during the First NEP increased the growth of formal employment among skilled female, while the allocation of microcredit to the agriculture, forestry and fishery, and industry sectors in the Second NEP and Additional Microcredit increased the growth of informal employment among unskilled females. The results show that different allocation of microcredit in various sectors are very crucial to increase the employment of the target groups in Algeria. Further results suggest that microcredit has improved the structure of female employment despite the marginal changes in the overall employment structure. This study will be beneficial to policy makers and industry practitioners in evaluating the impact of microcredit on employment creation in Algeria. This study will also benefit other researchers in developing better linkages among various policy options through the development of a Financial General Equilibrium Model. 2023 Thesis https://etd.uum.edu.my/11162/ https://etd.uum.edu.my/11162/1/s902851_01.pdf text eng 2025-10-11 staffonly https://etd.uum.edu.my/11162/2/s902851_02.pdf text eng public other doctoral Universiti Utara Malaysia
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Harun, Mukaramah Alam, Md Mahmudul
topic	HB Economic Theory HG Finance
spellingShingle	HB Economic Theory HG Finance Tria, Djihad The impact of microcredit financing on employment in Algeria
description	Numerous empirical studies show that microcredit is an important tool for poverty reduction and contributes to strengthening the health and education sectors. However, very few studies have examined the relationship between microcredit and employment creation at the national level, particularly in the context of employment structure. This study analyses the impact of microcredit on employment creation in Algeria. The study uses the Algerian Financial Social Accounting Matrix (AFSAM) multiplier in analyzing the impacts of microcredit on formal and informal employment in total, and by gender as well as skill level in the various economic sectors during the First National Employment Policy (NEP), Second NEP and Additional Microcredit. The results show that the most effective microcredit policies for employment creation occurred during the First NEP (2010-2014). The allocation of microcredit to the services and transport & communication sectors during the First NEP increased the growth of formal employment among skilled female, while the allocation of microcredit to the agriculture, forestry and fishery, and industry sectors in the Second NEP and Additional Microcredit increased the growth of informal employment among unskilled females. The results show that different allocation of microcredit in various sectors are very crucial to increase the employment of the target groups in Algeria. Further results suggest that microcredit has improved the structure of female employment despite the marginal changes in the overall employment structure. This study will be beneficial to policy makers and industry practitioners in evaluating the impact of microcredit on employment creation in Algeria. This study will also benefit other researchers in developing better linkages among various policy options through the development of a Financial General Equilibrium Model.
format	Thesis
qualification_name	other
qualification_level	Doctorate
author	Tria, Djihad
author_facet	Tria, Djihad
author_sort	Tria, Djihad
title	The impact of microcredit financing on employment in Algeria
title_short	The impact of microcredit financing on employment in Algeria
title_full	The impact of microcredit financing on employment in Algeria
title_fullStr	The impact of microcredit financing on employment in Algeria
title_full_unstemmed	The impact of microcredit financing on employment in Algeria
title_sort	impact of microcredit financing on employment in algeria
granting_institution	Universiti Utara Malaysia
granting_department	School of Economics, Finance & Banking
publishDate	2023
url	https://etd.uum.edu.my/11162/1/s902851_01.pdf https://etd.uum.edu.my/11162/2/s902851_02.pdf
_version_	1804888208717119488

The impact of microcredit financing on employment in Algeria

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