A scientific novelty of the basic thesis of dissertation is in the following:
peculiarities of micro-crediting development have been revealed, that able to add a theoretical base and improve its contents;
a social-economic significance of micro-crediting market and complex analyses of the activities is based on the base of foreign conception of crediting;
a degree of effect of micro-crediting on small and medium size enterprises development in Kazakhstan, reasons of insufficient activity of bank lending of small enterprises are determined;
alternative ways of development of micro-crediting institutions’ activity, directed to the sources of finance widening, have been developed;
risk assessment by method of credit scoring for micro-crediting mechanism improvement has been developed.
Approbation and introduction of research results. Basic thesis of dissertation have been reported and discussed on international scientific and practical conferences, which have been held in Almaty and Karasanda. Information of the scientific research have been used in the process of teaching disciplines “Money, Credit, Banks”, “Financial Markets and Mediators”, “Banking”.
Practical recommendations have been approbated and introduced in the activity of Partnership with Limited Liability “Micro-credit institution “Small Enterprise Development Fund –Aktau”.
Practical Significance of the Research Results is in the complex research of micro-crediting system status in Kazakhstan. Basic thesis and results of the work might be used in management of micro-credit institutions, in the development of methodical textbooks and recommendations, connected with financial and credit activity, they may be useful in development of measures on enhancing efficiency of micro-financing functioning in Kazakhstan.
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