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TERRA ECONOMICUS

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  • 2013
  • No 2.2
  • Constructing the financial model of sustainable development of thehousehold claster

Constructing the financial model of sustainable development of thehousehold claster

TERRA ECONOMICUS, , Vol. 11 (no. 2.2),
p. 33-44

Within the context of increasing the households’ profitability and their role in the socio-economic development of the territory, the authors of the article view the mechanisms for the household clusters formation and the ways to ensure their stability due to the clustering effect. Basing upon the cluster theory and economic concepts, studying the economic behavior of households, the article states the features of household clusters with a non-profit basis, shows the processes of cluster rent formation and achievement of cluster effects. Within the issues of providing the cluster sustainability, the article analyzes the trends of changing within the structure of household incomes, and views the peculiarities of their crediting practices based of the model of socially - responsible credit. As a result, it was concluded, that shifting the focus from lending to individual households towards lending to their cluster, can overcome the contradiction between the commercial nature of the bank loan, and the non-commercial nature of the household.


Keywords: households; clusters; households’ behavior; the structure of household income; cluster rent; consumer credit

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Publisher: Southern Federal University
Founder: Southern Federal University
ISSN: 2073-6606