微型貸款信任機制初探–以臺灣宗教信仰為例

臺灣宗教會所相當密集並十分貼近人們的日常生活，具有發展宗教微型貸款的潛力，本研究探討是否能以宗教力量的機制，讓人們不需要依賴其他力，自動在貸款期限內償還借款。透過問卷調查並加以分析後發現，人們若向宗教機構貸款，即使貸款在無擔保的情況下，也會因為宗教信仰的因素，督促自己提早還款，甚至在經濟能力有餘裕的情況下，還會選擇多還款給予所借款的宗教團體。學歷以及婚姻狀況，對於宗教微型貸款機制而言，則無顯著性的影響。

關鍵字

宗教；宗教力量；微型貸款

並列摘要

Places of worship in Taiwan are dense and close to people's daily life, and thus the potential to develop religious micro-loans is worthy of researching. This study attempts to explore whether the mechanism of “religious power” can urge people to repay the loans within the agreed period without external enforcements. Through the questionnaire survey and analysis, this study found that the people who borrow money from religious institutions will urge themselves to repay the loans as soon as possible, even though the loan is without any financial guarantee. In addition, if the borrowers have a sufficient financial capability, they would like to repay more than the amount borrowed because of their religious belief. However, the educational background and marital status have no significant impacts in the religious microfinance mechanism.