Monzur Hossain

Dr. Monzur Hossain


Research Focus & Metrics

Academic Career Length

22Years (2005-Present)

(Calculated once Scilit publication data is synced: current year − year of first publication + 1)

Representative Publications

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14 September 2020 in Information Technology for Development
Verified
Journal Article
Closed access
MHMonzur Hossain
Monzur Hossain
HSHussain Samad
Hussain Samad
Using household survey data from off-grid regions of rural Bangladesh, this study attempts to assess the impacts of mobile phone use on household welfare and women’s empowerment. Using two propensity score-based weighted regressions (IPW and AIPW), this study finds that mobile phone use increases household income (3–10 percent) from different sources, such as small businesses and remittances; improves women’s empowerment; and facilitates consumption smoothing during periods of shocks. Thus, favorable policies on investment in mobile telephone technologies, tariffs on talk time and internet usage, and mobile innovations, such as mobile financial services could reduce communication bottlenecks and digital divide in rural lagging regions that will help achieve a balanced regional development. Simultaneously, policies to avoid adverse impact of mobile phone usage should also be in place.

1 March 2021 in Economic Modelling
Verified
Journal Article
Closed access
MHMonzur Hossain
Monzur Hossain
NAOYUKI YOSHINONAOYUKI YOSHINO
NAOYUKI YOSHINO
Farhad Taghizadeh-HesaryFarhad Taghizadeh-Hesary
Farhad Taghizadeh-Hesary

23 May 2023 in Sustainability
Verified
Journal Article
Open access
PDF file
MHMonzur Hossain
Monzur Hossain
NAOYUKI YOSHINONAOYUKI YOSHINO
NAOYUKI YOSHINO
KTKenmei Tsubota
Kenmei Tsubota
A sustainable financing strategy for SMEs should aim to enhance a low-cost collateral-free supply of loans to SMEs with good track records of repayments to banks. In this paper, we suggest two alternative financing models for SMEs that address certain borrowing constraints of SMEs. First, the model incorporates institutional mechanisms involving the government, banks, and SMEs. The strategy employs a two-pronged approach: (i) the government enhances the supply of loanable funds to banks, and (ii) identifies good SME borrowers through skills development programs and introduces them to banks. This model will reduce default risk and allow banks to offer lower-interest and collateral-free credit to SMEs, thereby improving their access to finance and performance. Second, the model could be extended to accommodate digital finance using a data-driven credit risk score of the borrowers to reduce banks’ default risks and transaction costs with or without government funds. The proposed model could resolve the moral hazard and selection bias problems. Our proposed models are based on a public-private partnership approach and therefore could solve certain borrowing constraints of SMEs. Our empirical results support the model outcomes and therefore are consistent with the predictions of our theoretical models.

1 March 2009 in Journal of the Japanese and International Economies
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Journal Article
Closed access
MHMonzur Hossain
Monzur Hossain