ՀՀ-ում գործող ՄՖԿ-ների կողմից տեղեկատվական տեխնոլոգիաների կիրառելիությունը և զարգացման հնարավոր ուղղությունները/Applicability and Possible Development Directions of Information Technologies for MFCs Operating in RA

Abstract

Nowadays, attracting clients in remote regions, high transaction fees for serving such clients, effective exchange of information on institutional level and effective management of the organization are some crucial problems that arise for microfinance companies (hereinafter referred to as MFCs). Information technologies are considered to be one of the best solutions to such problems. Within the framework of the paper local financial market and international analyses were made with the aim of introducing the possibility of submitting micro-borrowings with the help of technologies. Within the framework of the work, a secondary data analysis of developing, as well as developed countries was conducted. In addition a survey was carried out to clarify the possibility of providing credit services through the technologies for the population of the Republic of Armenia. As a result, it was established that middleaged clients, living in rural and urban settlements can be offered online loans through mobile applications. Provision of financial services together with payment and settlement organizations is also considered as a solution for microfinance organizations.