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Author: R. Mersland
Publisher: Springer
ISBN: 113739966X
Category : Business & Economics
Languages : en
Pages : 329
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Book Description
Research on MFI performance is still in its infancy. MFIs are hybrid organizations with dual objectives. Performance studies in microfinance are therefore less straightforward compared to performance studies in traditional banking research. This book contains new MFI performance research by top scholars from across the globe.
Author: R. Mersland
Publisher: Springer
ISBN: 113739966X
Category : Business & Economics
Languages : en
Pages : 329
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Book Description
Research on MFI performance is still in its infancy. MFIs are hybrid organizations with dual objectives. Performance studies in microfinance are therefore less straightforward compared to performance studies in traditional banking research. This book contains new MFI performance research by top scholars from across the globe.
Author: Johannes Flosbach
Publisher: LIT Verlag Münster
ISBN: 3643906005
Category : Business & Economics
Languages : en
Pages : 373
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Book Description
This book examines the determinants of financial performance of microfinance institutions (MFIs) in Ghana and Uganda, against the backdrop of the public and academic debate over the financial and social implications of microfinance. In the absence of a conceptual model, the study chooses an inductive research approach with the objective of defining and developing a conceptual model with the capacity to explain, quantify, and compare the performance of MFIs. The research is particularly relevant in the African context where microloan interest rates regularly exceed 100% per annum and where the microfinance industry is lacking behind its global peers in regard to financial and social performance. (Series: Contributions to the Africa Research / Beitrage zur Afrikaforschung - Vol. 59) [Subject: Economics, Finance, African Studies]
Author: Andrew Katusabe
Publisher:
ISBN: 9783668523661
Category :
Languages : en
Pages : 88
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Book Description
Doctoral Thesis / Dissertation from the year 2013 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: .69, Uganda Management Institute (Uganda Management Institute), course: Masters in Business Administration Degree, language: English, abstract: The purpose of this study was to examine factors affecting the performance of microfinance institutions in Uganda. Hofokam Limited (Ltd) was used as a case study. The objectives of the study were: to assess the effect of governance mechanisms on the performance of Hofokam Ltd, to establish the effect of management information systems on the performance of Hofokam ltd and to find out the extent to which finding affects the performance of it. The study sample was 48 and the findings showed that the selection criteria of the board members was not based on related experience and management remuneration was not competitive enough to attract and retain talent. The Management Information System didn't support real time reporting for decision making and branches were not networked with head office with the MIS, the microfinance institution had struggled to access reasonable capital with affordable terms since the donor funding stopped. The study drew conclusions that governance mechanisms greatly affected the performance of microfinance as they determine the direction of the MFI, MIS in its state had a relatively low impact on the performance of Hofokam Limited and that funding was not a critical success factor for MFI performance as compared to other factors. The study recommends that the selection of the Board should be to a large extent based on ones' professional experience, the MFI shouldn't commit all efforts to be regulated as it has not proved a success factor for many other MFIs, the MIS in use should be upgraded to enable linkage across the branches and head office rather than invest in a totally new software, the MFI should look at increasing the level of operational efficiency e
Author: S. Rajagopalan
Publisher:
ISBN:
Category : Africa
Languages : en
Pages : 220
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Book Description
Africa is home to some of the poorest and vulnerable populations in the world. The ten poorest countries in the world are in Africa. Sub-Saharan Africa is the region with the highest incidence and greatest depth of poverty in the world. Fewer than one in five adults in Africa has access to the services of a formal or semi-formal financial institution. Microfinance in Africa is growing, though. A broad range of diverse institutions offer financial services to the poor and low-income clients in Africa. These include non-governmental organizations, non-banking financial institutions, cooperatives, credit unions, rural banks, Rotating Savings and Credit Associations (ROSCAs), postal financial institutions and an increasing number of commercial banks. Increasingly, technology is being used to expand microfinance outreach mobile phone banking is one such example. This book provides an overview of the microfinance sector in Africa, reviews the performance and impact of microfinance institutions in the region, and outlines some of the opportunities and challenges that African microfinance has on hand.
Author: Joanna Ledgerwood
Publisher: World Bank Publications
ISBN: 0821384317
Category : Business & Economics
Languages : en
Pages : 304
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Book Description
The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.
Author: Robert J. Cull
Publisher: World Bank Publications
ISBN: 0601241630
Category : Bank loans
Languages : en
Pages : 51
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Book Description
Microfinance contracts have proven able to secure high rates of loan repayment in the face of limited liability and information asymmetries, but high repayment rates have not translated easily into profits for most microbanks. Profitability, though, is at the heart of the promise that microfinance can deliver poverty reduction while not relying on ongoing subsidy. The authors examine why this promise remains unmet for most institutions. Using a data set with unusually high quality financial information on 124 institutions in 49 countries, they explore the patterns of profitability, loan repayment, and cost reduction. The authors find that institutional design and orientation matter substantially. Lenders that do not use group-based methods to overcome incentive problems experience weaker portfolio quality and lower profit rates when interest rates are raised substantially. For these individual-based lenders, one key to achieving profitability is investing more heavily in staff costs-a finding consistent with the economics of information but contrary to the conventional wisdom that profitability is largely a function of minimizing cost.
Author: Joanna Ledgerwood
Publisher: World Bank Publications
ISBN: 0821366165
Category : Business & Economics
Languages : en
Pages : 570
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Book Description
In response to a clear need by low-income people to gain access to the full range of financial services including savings, a growing number of microfinance NGOs are seeking guidelines to transform from credit-focused microfinance organizations to regulated deposit-taking financial intermediaries. In response to this trend, this book presents a practical 'how-to' manual for MFIs to develop the capacity to become licensed and regulated to mobilize deposits from the public. 'Transforming Microfinance Institutions' provides guidelines for regulators to license and regulate microfinance providers, and for transforming MFIs to meet the demands of two major new stakeholders regulators and shareholders. As such, it focuses on developing the capacity of NGO MFIs to mobilize and intermediate voluntary savings. Drawing from worldwide experience, it outlines how to manage the transformation process and address major strategic and operational issues inherent in transformation including competitive positioning, business planning, accessing capital and shareholders, and how to 'transform' the MFI's human resources, financial management, MIS, internal controls, and branch operations. Case studies then provide examples of developing a new regulatory tier for microfinance, and how a Ugandan NGO transformed to become a licensed financial intermediary. This book will be invaluable to regulators and microfinance NGOs contemplating institutional transformation and will be of tremendous use to donors and technical support agencies supporting MFIs in their transformation.
Author: Shahzad Uddin
Publisher: Emerald Group Publishing
ISBN: 0857244523
Category : Business & Economics
Languages : en
Pages : 310
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Book Description
Includes research papers that examines various issues including the adoption of International Financial Reporting Standards (IFRS) and International Public Sector Accounting Standards (IPSASs), management accounting change in the context of public sector reforms, corporate reporting disclosures, auditing, etcetera.
Author: Sumit Agarwal
Publisher: International Monetary Fund
ISBN: 1484376366
Category : Business & Economics
Languages : en
Pages : 55
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Book Description
We examine the impact of a large-scale microcredit expansion program on financial access and the transition of previously unbanked borrowers to commercial banks. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. A sizable share of first-time borrowers who need a second loan switch to commercial banks, which cream-skim low-risk borrowers and grant them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already at commercial banks and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a well-functioning credit reference bureau, help mitigate information frictions in credit markets.
Author: Rwakihembo John, Baguma John Muhunga Kule, Achamoh Victalice Ngimanang, Motieri Stanely Ontiri
Publisher: AJPO Journals USA LLC
ISBN: 9914745695
Category : Business & Economics
Languages : en
Pages : 79
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Book Description
TOPICS IN THE BOOK Corporate Board Size and Financial Performance of Private Limited Companies in Uganda Control Environment and Financial Performance of Savings and Credit Cooperatives (Saccos) in Mid-Western Uganda Microfinance Services and the Growth of Small and Medium Size Enterprises: Evidence from the Community Credit Company in the Douala Municipality, Cameroon Direct Individual Based Participation and Service Delivery in Nairobi City Water and Sewerage Company, Nairobi City County, Kenya
