| ABSTRACT | 第5页 |
| 摘要 | 第6-7页 |
| ACKNOWLEDGEMENTS | 第7-17页 |
| Chapter 1: INTRODUCTION | 第17-24页 |
| 1.1 Overview and Basic Concepts | 第17-19页 |
| 1.2 Research Problem and Research Questions | 第19-21页 |
| 1.3 Contribution and Future Research | 第21-22页 |
| 1.4 Contents | 第22-24页 |
| Chapter 2: THEORY AND HYPOTHESES | 第24-36页 |
| 2.1 Literature Review | 第24-30页 |
| 2.1.1 Characteristics of Microfinance | 第24-25页 |
| 2.1.2 The Evolution of the Microfinance in Senegal | 第25-26页 |
| 2.1.3 Definition of Credit Procedures | 第26-28页 |
| 2.1.4 The Determinants of the Credit Granting Procedures | 第28-30页 |
| 2.1.5 Relationships Between Credit Procedure and Determinants | 第30页 |
| 2.2 Conceptual Model | 第30-33页 |
| 2.2.1 Research Model | 第31-32页 |
| 2.2.2 Construction of the Model | 第32-33页 |
| 2.3 Hypotheses | 第33-36页 |
| Chapter 3: RESEARCH METHODOLOGY | 第36-42页 |
| 3.1 Research Framework | 第36-38页 |
| 3.1.1 Primary Research Data | 第37页 |
| 3.1.2 Secondary Research Data | 第37-38页 |
| 3.2 Sample and Data | 第38-40页 |
| 3.2.1 Sample | 第38-39页 |
| 3.2.2 Data | 第39-40页 |
| 3.3 Analysis | 第40-42页 |
| 3.3.1 The Analysis of Validity and Reliability | 第40页 |
| 3.3.2 Correlation Analysis | 第40-42页 |
| Chapter 4: PROFILE OF THE ORGANIZATION | 第42-50页 |
| 4.1 Establishment of CMS | 第42-43页 |
| 4.2 Products and Services | 第43-45页 |
| 4.2.1 Products | 第43-44页 |
| 4.2.2 Services | 第44-45页 |
| 4.3 Credit Granting Procedures in CMS | 第45-49页 |
| 4.3.1 The General Conditions for Granting Credits | 第45-46页 |
| 4.3.2 The Different Stages of the Credit Process | 第46-49页 |
| 4.4 The Smmgths and Weaknesses of the CMS Credit Granting Procedures | 第49-50页 |
| Chapter 5: RESULTS AND DISCUSSION | 第50-67页 |
| 5.1 Identification of the Respondents | 第50-53页 |
| 5.2 Membership of the Respondents | 第53-54页 |
| 5.3 Credit Application of the Respondents | 第54-56页 |
| 5.4 Further Related Analysis | 第56-63页 |
| 5.4.1 Chaxacter of the Applicant | 第56-57页 |
| 5.4.2 Capacity of the Applicant | 第57-59页 |
| 5.4.3 Capital of the Applicant | 第59-60页 |
| 5.4.4 Collateral of the Applicant | 第60-62页 |
| 5.4.5 The Conditions of the Applicant | 第62-63页 |
| 5.4.6 Effect of the Five C's on the Credit Granting Procedure | 第63页 |
| 5.5 Findings on the Relationship Between Credit Procedure and the Five C's | 第63-65页 |
| 5.6 The Hypothesis Confirmation | 第65-67页 |
| Chapter 6: SUMMARY, COCLUSIONS AND RECOMMENDATIONS | 第67-73页 |
| 6.1 Summary of the Findings | 第67-68页 |
| 6.1.1 Findings one Credit Granting | 第67页 |
| 6.1.2 Relationship between the Credit Granting and Credit Determinants | 第67-68页 |
| 6.2 Conclusion | 第68-69页 |
| 6.3 Recommendations | 第69-73页 |
| 6.3.1 Recommendations for Better Credit Granting Conditions | 第69-70页 |
| 6.3.2 Recommendations for Efficient Credit Granting Procedures | 第70页 |
| 6.3.3 Recommendations for the CMS Administration | 第70页 |
| 6.3.4 Recommendations for the Operating Direction (OP) | 第70-71页 |
| 6.3.5 Recommendations for CFE Direction | 第71-72页 |
| 6.3.6 Recommendations for the Credit Analysts | 第72-73页 |
| REFERENCES | 第73-79页 |
| Appendix | 第79-86页 |
