Microfinance Institutions PDF Download
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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: Pia Nilsson
Publisher: Springer
ISBN: 3030114198
Category : Business & Economics
Languages : en
Pages : 336
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Book Description
This book addresses poverty and well-being, equity, and efficiency in selected African countries. The chapters focus on three main topics: studies in the measurement and analysis of well-being and vulnerability to poverty, women's empowerment, and the dynamics and determinants of income and efficiency among smallholders. The chapters in the first section examine poverty, well-being, and vulnerability to poverty, as well as social exclusion, with a focus on households in Ethiopia, Rwanda, and Tanzania. They highlight the need to consider multidimensional measures of well-being and vulnerability to poverty, the need to address the distribution of vulnerability across different segments of the population, as well as the importance of developing public policies aimed at poverty reduction and promoting the well-being of the poor. The next section deals with issues related to women’s empowerment, including a multidimensional case study of women’s empowerment in Ghana and women’s access to microfinance services in Ethiopia. The final section focuses on dynamics and determinants of income and efficiency among farm households in Ethiopia and Uganda. Using a variety of methodologies, this volume provides a multifaceted approach to studying poverty and well-being in a diverse range of locations. As such, it of use to undergraduate and graduate students studying African economics or economics of poverty and well-being, and will be appealing to public policymakers and international aid agencies.
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: 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: Esayas Bekele Geleta
Publisher: Routledge
ISBN: 1317024095
Category : Business & Economics
Languages : en
Pages : 133
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Book Description
Microfinance has long been considered a development strategy that can correct the failure of the global credit market and address the financial needs of the poor enabling them to create and run profitable business enterprises. The Microfinance Mirage argues that this neo-liberal oriented analysis overemphasises the economic argument whilst ignoring the cultural roots of inequality and subordination. Drawing on ethnographic research conducted among rural credit clients in the Northern region of Ethiopia, Esayas Bekele Geleta provides a nuanced critical analysis of microfinance challenging the common assumption that it facilitates the building of social capital, poverty reduction and the empowerment of women. Making a unique contribution to our further understanding of the microfinance industry the research shows that, in some cases, microfinance can result in the disintegration of pre-existing relationships and in the disruption and destruction of the livelihoods of the poor. Exploring the impact of microfinance in one of the poorest regions of sub-Saharan Africa, this book demonstrates its potential and problems and shows the complex and contradictory social and cultural environments in which projects are often located.
Author: Dawson, Maurice
Publisher: IGI Global
ISBN: 1799886956
Category : Computers
Languages : en
Pages : 282
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Book Description
Developing nations have seen many technological advances in the last decade. Although beneficial and progressive, they can lead to unsafe mobile devices, system networks, and internet of things (IoT) devices, causing security vulnerabilities that can have ripple effects throughout society. While researchers attempt to find solutions, improper implementation and negative uses of technology continue to create new security threats to users. Cybersecurity Capabilities in Developing Nations and Its Impact on Global Security brings together research-based chapters and case studies on systems security techniques and current methods to identify and overcome technological vulnerabilities, emphasizing security issues in developing nations. Focusing on topics such as data privacy and security issues, this book is an essential reference source for researchers, university academics, computing professionals, and upper-level students in developing countries interested in the techniques, laws, and training initiatives currently being implemented and adapted for secure computing.
Author: Philip Mader
Publisher: Springer
ISBN: 1137364211
Category : Political Science
Languages : en
Pages : 297
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Book Description
According to the author, rather than alleviating poverty, microfinance financialises poverty. By indebting poor people in the Global South, it drives financial expansion and opens new lands of opportunity for the crisis-ridden global capital markets. This book raises fundamental concerns about this widely-celebrated tool for social development.
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 MFIsoutreach 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: Mulat Demeke
Publisher:
ISBN:
Category : Microfinance
Languages : en
Pages : 226
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Book Description
Author: Susan Johnson
Publisher: Oxfam
ISBN: 9780855983697
Category : Business & Economics
Languages : en
Pages : 148
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Book Description
The book emphasizes the importance of studying the local context, and then considering the macroeconomic factors which may be operating upon the economy of a particular country. Five extended case studies, in the Gambia, Ecuador, Mexico, Pakistan, and the UK are examined with reference to further aspects of sustainability and impact assessment.
