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: Mulat Demeke
Publisher:
ISBN:
Category : Microfinance
Languages : en
Pages : 226
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Book Description
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: 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: 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: 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: 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: 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: Asli Demirguc-Kunt
Publisher: World Bank Publications
ISBN: 1464812683
Category : Business & Economics
Languages : en
Pages : 228
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Book Description
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
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.
