Financial Sustainability, Liquidity and Outreach of Deposit-taking Microfinance Institutions PDF Download
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Author: Zibusiso Moyo
Publisher:
ISBN:
Category : Bank liquidity
Languages : en
Pages : 219
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Book Description
Author: Zibusiso Moyo
Publisher:
ISBN:
Category : Bank liquidity
Languages : en
Pages : 219
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Book Description
Author: Marguerite Robinson
Publisher: World Bank Publications
ISBN: 0821383388
Category : Business & Economics
Languages : en
Pages : 358
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Book Description
Around the world, a revolution is occurring in finance for low-income people. The microfinance revolution is delivering financial services to the economically active poor on a large scale through competing, financially self-sufficient institutions. In a few countries this has already happened; in others it is under way. The emerging microfinance industry has profound implications for social and economic development. For the first time in history, capital is well on its way to being democratized. 'The Microfinance Revolution', in three volumes, is aimed at a diverse readership - economists, bankers, policymakers, donors, and social scientists; microfinance practitioners and specialists in local finance and rural and urban development; and members of the general public interested in development. This first volume, 'Sustainable Finance for the Poor', focuses on the shift from government- and donor-subsidized credit systems to self-sufficient microfinance institutions providing voluntary savings and credit services.
Author: Mwangi S. Kimenyi
Publisher: Routledge
ISBN: 0429791364
Category : Business & Economics
Languages : en
Pages : 243
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Book Description
First published in 1998, this collection of essays by eminent microfinance practitioners provides a range of perspectives on contemporary issues in the field. Different approaches are proposed for achieving improved access by the poor to financial services. The common denominator in these essays is financial sustainability for the service provider. Issues addressed include: is savings mobilization integral to microfinance and, if so, how should it be incorporated in new programs? Are borrower groups a necessary element of successful microfinance programs? Are NGOs the right institutional vehicle for sustainable microfinance interventions? Is standardized and generalizable microfinance credit rating system feasible? While there is considerable diversity in the approaches recommended in these essays, the importance of cost efficiency and cost recovery forms the basis for most of the discussions.
Author: Md Nazim Uddin
Publisher: Springer Nature
ISBN: 9819705347
Category :
Languages : en
Pages : 326
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Book Description
Author: Bernd Balkenhol
Publisher: International Labor Office
ISBN:
Category : Business & Economics
Languages : en
Pages : 296
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Book Description
This book states to aid agencies and governments to consider efficiency as a robust and reliable criterion to guide their decisions on whether continuing or discounting support from microfinance institutions (MFIS).
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: David Onditi
Publisher: GRIN Verlag
ISBN: 3668964998
Category : Business & Economics
Languages : en
Pages : 26
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Book Description
Research Paper (undergraduate) from the year 2019 in the subject Business economics - Business Management, Corporate Governance, grade: A+, University of Nairobi (Main Campus), course: International Business, language: English, abstract: There are a number of key principles of microfinance regulations. However, empirical research indicates that some key principles such as governance, and capital adequacy should be the main focus of the microfinance regulation and supervision. CGAP (2012) developed the Consensus guideline for the supervision and regulation of the microfinance institutions (MFIs). CGAP indicated that the MFIs should have a higher capital adequacy ratios as compared to the commercial banks since the microloans issued by the MFIs have insufficient security and the borrowers main motivation to repay the loans is the expectation that they would receive more loans. The MFIs are at a higher risk of loan delinquency contagion that can lead to a significant increase in the de-capitalization. Berger agreed with the above view by stating that MFIs need to have minimum capital adequacy as a means of helping the organizations to overcome the volatilities. The researcher thus concurs that capital adequacy should be a key principle in the regulation and supervision of the MFIs due to the volatilities associated with low collateral quality in the MFI loans, and increased risk of loan repayment delinquency. However, the principle should only apply to the MFIs that offer uncollateralized loans or in the cases where the security is not adequate to effectively cover the loan.
Author: Esperance Uwimana
Publisher: LAP Lambert Academic Publishing
ISBN: 9783659439612
Category :
Languages : en
Pages : 80
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Book Description
"Financial Services to the Poor: Sustainability and Outreach" is my academic work to the completion of my masters Program in MICROFINANCE. However, this work is beyond a simple dissertation mostly considered as a partial fulfillment of academic requirements in order to be awarded a degree. It is rather a hard work that tells about a win win situation whereby poor people can have access to Financial services and leave the financial institution profitable and sustainable. Some people may think that there is a trade off between outreach and sustainability. Which is not true. A Financial institution more likely a Microfinance institution (considered as innovation in Financial services to the poor) can reach financially excluded poor people and still remains profitable. By this work I would encourage both traditional Financial services providers and investors in the financial services providers to downscale their operations/investment and tailor financial services to the need of the poor by doing so they will unleash the energy and opportunities available to the poor people to turn them into wealthier citizens.
Author: Manfred Zeller
Publisher: Intl Food Policy Res Inst
ISBN: 080187226X
Category : Business & Economics
Languages : en
Pages : 426
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Book Description
Since the 1980s when the microfinance revolution began, much has been accomplished, but the field became more refined in the 1990s as a result of shifts in paradigms, strategies, and development practices. This volume addresses the three policy objectives that now occupy those who wish to use credit as a development tool: financial sustainability of microfinance institutions, outreach to the poor, and welfare impact. Inevitable tradeoffs exist among these objectives, and the book advances an analytical framework that assists students of and experts in microfinance to identify the tradeoffs and synergies at the institutional level and in the policy environment. The book features a wealth of empirical data and innovative analytical studies, and critically discusses the role of public support for microfinance institutions (MFIs) in light of the social costs and benefits generated by such financial systems. The book is organized into five parts. The first discusses the demand for and access to financial services by the poor, emphasizing that demand-oriented, pro-poor financial services are crucial in reaching the poor. The second is concerned with two of the criteria used to evaluate MFIs—outreach and financial sustainability. The third features innovative econometric studies seeking to evaluate the impact of MFIs at the household level. The fourth looks at the role of both public- and private-sector institutions in developing sustainable financial systems. And the fifth summarizes implications for policy and research. Given the lack of sound, empirical literature on microfinance, this volume is sure to advance knowledge and research methodology in the field.
Author: Gashaw Tadesse Abate
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Growing commercialization and competition in microfinance drives the focus of micro lenders from outreach per se to achieving financial sustainability in serving the poor. Such a goal can conflict with the traditional social mission of microfinance - outreach to the poor. In places where credit markets are inefficient, attaining financial sustainability while serving the poor depends largely on the ability of lenders to overcome the costs of market contracts and constraints. Such ability of cost containment often varies by lending terms and organizational forms. Using disaggregated data of microfinance providers in Ethiopia, we compared financial cooperatives and specialized or non-bank microfinance institutions on their outreach, financial performance and ability to achieve financial self-sufficiency together with outreach to the poor. The results show that nonbank microfinance providers perform relatively well in terms of breadth and depth of outreach, but face higher cost, which creates tension between outreach and financial sustainability. In contrast, there exists a positive complementarity between outreach and financial viability for financial cooperatives. On average, financially self-sufficient cooperatives lend small size loans and serve larger proportions of women borrowers, implying a greater depth of outreach together with achieving financial sustainability. While non-bank microfinance providers do better in expanding outreach, based on the findings, financial cooperatives better contain their costs, balance social and economic goals and enable the microfinance industry to fulfill its full promise - serving the poor on cost-covering basis.
