Financial Services Delivery and Demand for Microfinance Services in Pastoral Communities in Afar and Somalie Regions PDF Download
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Author:
Publisher:
ISBN:
Category : Financial services industry
Languages : en
Pages : 72
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Book Description
Author:
Publisher:
ISBN:
Category : Financial services industry
Languages : en
Pages : 72
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Book Description
Author: Graham A. N. Wright
Publisher:
ISBN:
Category : Financial services industry
Languages : en
Pages : 312
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Book Description
This volume addresses the cutting edge issues in micro-finance, including: how far micro-finance can contribute to reducing poverty, enhancing women's status, empowering poor clients and improving the health, nutrition and education of the poor; the role of savings in micro-finance; how to recruit, develop and maintain high-quality clients; and how to replicate successful micro-finance systems.
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: Wolday Amha
Publisher:
ISBN:
Category : Microfinance
Languages : en
Pages : 52
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Book Description
Author: Abay, Kibrom A.
Publisher: Intl Food Policy Res Inst
ISBN:
Category : Political Science
Languages : en
Pages : 21
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Book Description
What is the optimal size and composition of Rural Financial Cooperatives (RFCs)? With this broad question in mind, we characterize alternative formation of RFCs and their implications in improving the access of rural households to financial services, including savings, credit, and insurance services. We find that some features of RFCs have varying implications for delivering various financial services. The size of RFCs is found to have a nonlinear relationship with the various financial services RFCs provide. We also show that compositional heterogeneity among members, including diversity in wealth, is associated with higher access to credit services, while this has little implication on households’ savings behavior. Similarly, social cohesion among members is strongly associated with higher access to financial services. These empirical descriptions suggest that the optimal size and composition of RFCs may vary across the domains of financial services they are designed to facilitate. This evidence provides suggestive insights on how to ensure financial inclusion among smallholders, a pressing agenda and priority of policy makers in developing countries, including Ethiopia. The results also provide some insights into rural microfinance operations which are striving to satisfy members’ demand for financial services.
Author: Hillesland, Marya
Publisher: Intl Food Policy Res Inst
ISBN:
Category : Political Science
Languages : en
Pages : 65
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Book Description
Using the project-Women’s Empowerment in Agricultural Index (pro-WEAI) survey tool developed by GAAP2, this study aims to estimate the impact of a microfinance ‘plus’ programme on women’s economic empowerment in communities in Oromia and Afar, Ethiopia. The programme incorporates multiple interventions, which are implemented through women-run rural savings and credit cooperatives (RUSACCOs), with the intention of improving beneficiary women’s decision-making over productive assets, control over income, and leadership in rural institutions. A major component of the programme is aimed at rural women’s greater access to credit, but interventions also include agricultural livestock and technology transfers, business training, as well as a community gender awareness component. A difference-in-difference estimator with Inverse Probability Weighting (IPW) is used to evaluate the impact of the programme on women’s empowerment in Oromia. Because of conflict in the area, baseline data collection was delayed and data was collected after some interventions had already begun in Oromia. As such, nearly all beneficiaries already had access to credit through the RUSACCOs at baseline, and both women and men were already empowered in a number of dimensions at baseline. Among households with beneficiaries who continued in good standing between baseline and midline, the programme positively contributed to both women’s and men’s empowerment with regards to respect among household members. It did not lead to additional impacts in terms of overall empowerment and gender parity within the household or across the other pro-WEAI indicators. However, it appears that, by maintaining good standing in the RUSACCOs, female participants were able to maintain high levels of empowerment across the other indicators. A second group of beneficiary women, who either chose to leave the RUSACCO or did not maintain good standing as a member, were also highly empowered across many dimensions at baseline but experienced large average decreases in empowerment across a number of indicators by midline. In Afar, using the midline data only, a single-difference estimator with Inverse Probability Weighting is used to evaluate the impact of the programme. In Afar, the programme had a significant impact on women’s overall empowerment. As we expected, given the nature of the programme, there were significant positive results in terms of access to and decisions on financial services, group membership, and membership in influential groups. There were also positive impacts on control over the use of income, suggesting that the programme contributed to greater control over the use of the output from agricultural activities and control over income from agricultural and non-agricultural activities. On the other hand, the programme also appears to have resulted in reduced empowerment on average with regards to autonomy in income.
Author: Kiendel Burritt
Publisher: UN
ISBN:
Category : Business & Economics
Languages : en
Pages : 200
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Book Description
This report assesses the achievements and challenges for microfinance service delivery in Malawi, with particular attention to rural and agricultural markets. It identifies key elements that influence the development of Malawi's financial system, and provides some recommendations and opportunities for investors, donors, government and private sector entities to support the development of an inclusive financial system.
Author: Shimwaayi Muntemba
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Book Description
Over the last three years, the team for Action Research on Sustainable Microfinance Institutions in Africa has assisted local rural and micro-finance institutions to improve their delivery of financial services to the poor in rural and urban areas. Supported by Swiss Trust Funds, the program covers six countries in Sub-Saharan Africa - Ghana, Cameroon, Kenya, Ethiopia, Mozambique, and Zambia. The program's emphasis is on capacity building at the national level through distilling and disseminating 'best practices' and strengthening local networks of rural and microfinance providers. The five year program has the objectives of : (i) documenting current practices of financial service providers in rural areas, and assess the effectiveness of innovative techniques; (ii) creating and strengthening national networks of rural and micro-finance institutions as a forum for mutual learning and dialogue; (iii) improving the capabilities of institutions to deliver financial services to the poor on a sustainable basis; and (iv) establishing a mechanism for World Bank staff as well as donors to support effective, innovative institutions that reach the poor.
Author: Marek Hudon
Publisher: Edward Elgar Publishing
ISBN: 1788114221
Category : Business & Economics
Languages : en
Pages : 200
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Book Description
How can financial services, such as credit, deposit accounts, financial transfers, and insurance be provided to people in need? This challenging and complex issue has been a topic of interest for the international aid community for decades. Drawing on renowned experts in microfinance and financial inclusion, this Research Agenda sheds much-needed light on this multifaceted challenge and points the way ahead for future research.
Author: Hanna Kattilakoski
Publisher: GRIN Verlag
ISBN: 334621947X
Category : Business & Economics
Languages : en
Pages : 103
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Book Description
Master's Thesis from the year 2018 in the subject Business economics - Investment and Finance, grade: 90.0, Cologne Business School Köln, language: English, abstract: The aim of this study is to understand the factors that drive financial sustainability in microfinance institutions. To accomplish this, several indicators for operational self-sufficiency (OSS) were investigated through correlation and regression analysis. The results indicate that the drivers for operational self-sufficiency include return on assets, number of active borrowers and profit margin. The analysis also showed that in terms of OSS and profitability, there is little difference between for-profit and non-profit organizations. To increase operational self-sufficiency institutions should increase return on asserts, the number of active borrowers and their profit margin. The results support the profit-incentive theory and the financial systems approach. These results indicate that to achieve financial sustainability MFIs should focus on covering operating expenses through earned revenues. Therefore, MFI structure should encourage cost-oriented management. Additionally, findings from this study revealed that there may not be a large tradeoff in efficiency and outreach. Results showed that operationally self-sufficient MFIs actually have a larger outreach than non-self-sufficient organizations. Limitations for this study include that the regression only explains the variables affecting OSS with 26 % certainty and other variables not tested may also be factors
