ДОСЛІДЖЕННЯ ТЕХНОЛОГІЇ БЛОКЧЕЙНУ ДЛЯ МІКРОКРЕДИТУВАННЯ І ФІНАНСУВАННЯ В ОСВІТНІЙ СФЕРІ

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dc.contributor.authorХрипко Сергій Леонідович
dc.date.accessioned2025-03-26T17:42:10Z
dc.date.available2025-03-26T17:42:10Z
dc.date.issued2023
dc.description.abstractThe article discusses how the current microcredit system has its limitations and risks. Classically structured financial institutions set high interest rates and require a large number of documents to obtain a loan. In addition, there is the problem of controlling the use of funds provided as part of a microloan. Blockchain technology can provide a transparent and automated system that will allow students and young researchers to receive microloans on affordable terms. The aim of our work is to study blockchain technology for microcredit in the educational sphere by writing and implementing the program code of the program "Smart contract for microcredit on the Ethereum platform". Methods. The study used data from various sources, including scientific literature, statistical data, and information from websites specializing in blockchain technologies and microcredit. A comparative analysis of these data was conducted to determine the potential advantages and disadvantages of using blockchain in microcredit. The research of our program code has shown that the use of blockchain can have significant advantages for improving the microcredit process in education. In particular, blockchain can provide a more transparent and secure lending process, as well as reduce the risk of fraud. Discussion. Based on the results obtained, the advantages of blockchain technology for microcredit in the education sector are discussed. A number of limitations and issues that should be addressed when considering the application of this technology are discussed. The conclusions show that while there are some challenges associated with using blockchain for microcredit in education, its advantages as an innovative product to address these challenges are clear. Additional research in this subject area may help to unlock the full potential of this approach.
dc.identifier.citationhttp://www.econom.stateandregions.zp.ua/journal/2023/4_2023/19.pdf
dc.identifier.urihttps://ir.duan.edu.ua/handle/123456789/6014
dc.publisherДержава та регіони. Серія: Економіка та підприємництво
dc.subjectmicrocredit
dc.subjectsmart contract
dc.subjectethereum
dc.subjectfinancing
dc.subjectpayment scenarios
dc.subjectblockchain technology
dc.subjecteducation
dc.titleДОСЛІДЖЕННЯ ТЕХНОЛОГІЇ БЛОКЧЕЙНУ ДЛЯ МІКРОКРЕДИТУВАННЯ І ФІНАНСУВАННЯ В ОСВІТНІЙ СФЕРІ

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