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Author : Beatrice Njeru Warue
Publisher :
ISBN 13 :
Total Pages : 22 pages
Book Rating : 4.:/5 (13 download)
Download or read book Factors Affecting Loan Delinquency in Microfinance Institutions in Kenya written by Beatrice Njeru Warue and published by . This book was released on 2015 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Irene Cheptumo
Publisher : GRIN Verlag
ISBN 13 : 3668714266
Total Pages : 23 pages
Book Rating : 4.6/5 (687 download)
Download or read book Influence of Credit Risk on the Growth of Microfinance Organizations in Eldoret Municipality (Kenya) written by Irene Cheptumo and published by GRIN Verlag. This book was released on 2018-05-30 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2018 in the subject Economics - Finance, Moi University (Moi University, Kenya; Department of Accounting and Finance), language: English, abstract: The Microfinance Institutions (MFIs) lend small amounts of unsecured loans to poor clients which signify their objectives of improving the social status of the poor while also trying to maximize their returns. Yet, lending by MFIs is a risky venture especially in developing countries because of the susceptibility of their poor clients. This study therefore determined the extent at which strategic credit risk management affect growth of MFIs in the Eldoret Municipality, Kenya. This study used probability clustered random sampling of 12 MFIs in Eldoret municipality to collect primary data and various reports and published work on MFIs between 2010 to 2015 formed the basis of secondary data. The effect of loan default, risk coverage and credit policy on growth of MFIs was measured by profit and outreach respectively. The relationship between of loan default, risk coverage and credit policy and growth was measured using multiple linear regression models. Hausmann test of endogeneity was employed to validate the results. We demonstrate that profit was significantly (p
Author : Hilary Omare
Publisher : GRIN Verlag
ISBN 13 : 3346038289
Total Pages : 85 pages
Book Rating : 4.3/5 (46 download)
Download or read book Effect of Credit Reference Bureau Services on Non-Performing Loan Portfolios in Kenya written by Hilary Omare and published by GRIN Verlag. This book was released on 2019-10-17 with total page 85 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2016 in the subject Business economics - Investment and Finance, , course: Masters of Business Adminstration, language: English, abstract: The research project sought to examine the effect of listing with Credit Reference Bureau service on non-performing loans of deposit taking microfinance institutions in Kenya. The specific objectives were to assess how loan recoveries as a result of listing with credit reference bureau affects non-performing loans by deposit taking microfinance institutions in Kenya and to assess how write offs as a result of listing with credit reference bureau affect non-performing loans by deposit taking microfinance in Kenya. Furthermore to examine how loan quality as a result of listing with credit reference bureau affect non-performing loan in deposit taking microfinance in Kenya and what effect does listing with credit reference bureau has on non-performing loans levels in Deposit Taking Microfinance in Kenya. This research study adopted a descriptive survey approach on effect of listing with Credit Reference Bureau Service on non-performing loans of deposit taking microfinance institutions in Kenya. Further, this study targeted all registered deposit taking microfinance institutions by the Central Bank of Kenya (CBK). Target population was 12 registered Deposit taking microfinance institutions that have listed with Credit Reference Bureaus in Kenya. This study used primary data that was collected by use of a questionnaire. The data was analyzed by use of Descriptive and inferential statistics to measure interrelationships between the variables. Tables were used to display the information to improve presentation of the analyzed results for ease of interpretation. Regression analysis was used to test the relationship between dependent and independent variable. In light of the research findings, the regression model could only explain 52% in variance of non-performing loans. The study results revealed that there was a statistically significant relationship between loan recoveries and non-performance of loans (p=0.000); there was a statistically significant relationship between write offs and non-performance of loans (p=0.000) and that there was a statistically significant relationship between quality loan portfolio and non-performance of loans (p=0.000). Hence, credit information sharing and level of nonperforming loans are indeed related meaning there is a direct relationship between the number of credit checks done by the CRBs and the level of NPLs.
Author : Eric Gatimu
Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783659551598
Total Pages : 84 pages
Book Rating : 4.5/5 (515 download)
Download or read book Microfinance Institutions In Kenya written by Eric Gatimu and published by LAP Lambert Academic Publishing. This book was released on 2014-12 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book brings out what most of the micro finance institutions are facing in administration of loans that are advanced to potential clients; it brings out the identified issues that need to be addressed in order for growth of these micro-finance institutions. The research was undertaken in Africa (Kenya) in view of assisting and guarding micro-finance institutions core objectives and its continuity. The author noted that if the drastic measures were not employed to deal with the underlying issues that had been identified then chances of survival of these institution would decrease hence double tragedy to the poor people, who would indeed suffer, since most of the people reliably depend on loans advanced to them to better their lives. The findings indicated that credit policies, initial loan appraisal process, loan recovery procedures have a significant impact on the loan default rate, thus the micro-finance institutions have a cause to worry if they have to reduce the loan default rates by considering the three factors under the study. It is suggested that a similar study be undertaken targeting in banking sector to establish the factors that contribute to loan the default.
Author : Leonard Ajonakoh Fotabong
Publisher :
ISBN 13 :
Total Pages : 17 pages
Book Rating : 4.:/5 (13 download)
Download or read book Analyzing the Causes and Evolution of Loan Delinquency/Arrears Within Microfinance Institutions. A Critical Path of Action written by Leonard Ajonakoh Fotabong and published by . This book was released on 2016 with total page 17 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper investigates the impact of External Factors (EF) on the Loan Delinquency (LD) of Microfinance Institutions (MFIs). Drawing upon a field level survey developed in line with Likert scale (5) and conducted in 2014- 2015 to 416 respondents in 78 MFIs located in seven different regions of Cameroon, the paper examines if external variable such as Legislative Issues (LI), Economic Contagion (EC) and Economic Down Turn (EDT) are root causes of loan Delinquency in MFIs. While acknowledging other contributing factors to LD such as late disbursements, poor timing, high interest rate, poor training to staff/ beneficiaries, management inefficiency etc. Multiple regression analysis was used to establish relationship between LD and the identified external factors. The regression results obtained indicates Legislative Issue is the core external cause of Microfinance Institutions Loan Delinquency. Contagion Effect and Economic Downturn were identified to be statistically insignificant. Therefore, we conclude that in addition to profit motive (internal cause), LI as an external factor contribute significantly to the alarming rate of Loan Delinquency in Microfinance institutions. To overcome this challenge requires a collective effort both from the regulatory authorities, the government the banking commission and above all the general assembly of these institutions. The paper finally contends that major stakeholders in our sampled institutions have failed in their roles to strengthened MFIs sufficiently to cope with rising challenges in the market. The paper considers delinquency management as a gauge not only for MFIs sustainability but as a means to boost deteriorating customers' confidence.
Author : Joanna Ledgerwood
Publisher : World Bank Publications
ISBN 13 : 0821384317
Total Pages : 304 pages
Book Rating : 4.8/5 (213 download)
Download or read book Microfinance Handbook written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 1998-12-01 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 : Mary Nelima Sindani
Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783847318491
Total Pages : 100 pages
Book Rating : 4.3/5 (184 download)
Download or read book Socio-Economic Factors Affecting Loan Repayment by Women Borrowers written by Mary Nelima Sindani and published by LAP Lambert Academic Publishing. This book was released on 2011-12 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: Women frequently encounter greater limitations and fewer opportunities than men, especially in regard to income-generating activities. They face social and economic constraints that perpetuate poverty and spans generations. However, significant opportunities exist in the informal, small-scale enterprise sector for which women should take advantage. Community groups are popular institutions in Kenya's rural areas. The groups help provide services that the government, has failed to deliver. Also the emergence of microfinance institutions to offer lending funds has been of great impact.This study sought to investigate the factors affecting women microfinance loan repayment. The findings of the study may be useful to policy makers in government, private sector, Non-Governmental and Faith Based Organisations.
Author : Xavier Gine
Publisher : World Bank Publications
ISBN 13 : 0609181742
Total Pages : 38 pages
Book Rating : 4.6/5 (91 download)
Download or read book Group Versus Individual Liability written by Xavier Gine and published by World Bank Publications. This book was released on 2006 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: Group liability is often portrayed as the key innovation that led to the explosion of the microcredit movement, which started with the Grameen Bank in the 1970s and continues on today with hundreds of institutions around the world. Group lending claims to improve repayment rates and lower transaction costs when lending to the poor by providing incentives for peers to screen, monitor, and enforce each other's loans. However, some argue that group liability creates excessive pressure and discourages good clients from borrowing, jeopardizing both growth and sustainability. Therefore, it remains unclear whether group liability improves the lender's overall profitability and the poor's access to financial markets. The authors worked with a bank in the Philippines to conduct a field experiment to examine these issues. They randomly assigned half of the 169 pre-existing group liability 'centers' of approximately twenty women to individual-liability centers (treatment) and kept the other half as-is with group liability (control). We find that the conversion to individual liability does not affect the repayment rate, and leads to higher growth in center size by attracting new clients.
![Download Behavioral Factors Associated with Default Rates for Loans to Small and Medium Enterprises (SMEs) in Kenya [EMOD Thesis a Ccompanied by a CD-ROM] PDF Online Free](https://books.google.com/books/content/images/frontcover/KO3djgEACAAJ?fife=w200-h370)
Author :
Publisher :
ISBN 13 :
Total Pages : 59 pages
Book Rating : 4.:/5 (928 download)
Download or read book Behavioral Factors Associated with Default Rates for Loans to Small and Medium Enterprises (SMEs) in Kenya [EMOD Thesis a Ccompanied by a CD-ROM] written by and published by . This book was released on 2014 with total page 59 pages. Available in PDF, EPUB and Kindle. Book excerpt: The general objective of this study was to determine the behavioral factors associated with high default rates in lending to the Small and Medium Enterprises (SMEs) sector in Kenya. The specific objectives of the study were to analyze factors directly associated with high default rates in lending to SME sector in Kenya, to determine behavioral factors Banks and Financial Institutions (FIs) can use to predict probability of default of lending to SMEs in Kenya and to evaluate the behavioral parameters for scoring credit applications for SMEs lending in Kenya. The study adopted a descriptive research design aimed at determining the behavioral factors associated with high default rates in lending to SMEs in Kenya. The descriptive research design was used because it enabled the researcher apply the general findings to a large population. The findings describe the characteristics that exist among different variables common to SME businesses that can explain the behavioral factors that could help predict probability of default. The population for the study comprised records of fifteen thousand (15,000) SME customers who had active credit facilities and had serviced the loans for at least twelve months since disbursement. From the sampling frame of fifteen thousand records, the researcher used a sample of ten thousand five hundred (10,500) SME customers equal to seventy percent (70%) as the development sample and the remaining thirty percent (30%) was used as the validating sample. Quantitative data analysis involved using the Statistical Package for Social Scientists (SPSS) application to generate distributions through tabulations, percentages, means and other measures of central tendencies. Microsoft Excel application was used to prepare presentation and analysis diagrams, pie charts, graphs and calculation of distributions. The study finally drew findings from the appropriate conclusions. The study found out that the loan tenor or months to maturity and interest rate type ? either variable or fixed rate were major determinants of the default rate among SME customers. The study also determined that the account conduct of SME business owners, years of business operation and business experience affected the servicing of loans hence contributed to high default rates. The study further determined the main behavioral parameters that could be used to score SME customers involved the general management of loan and other accounts held by the SME customers. These included management of account overdrawn positions, bounced cheques, returned standing orders and management of credit transactions. The study concluded that the factors affecting the default rate in lending to SMEs in Kenya include application variables that indicate the repayment ability of a customer. They include customer specific information, product information and financial indicators. The study further concluded that behavioral factors Banks and Financial Institutions can use to predict probability of default in lending to SMEs include variables that indicate how well a customer services the loan facilities after disbursement. These factors include accounts and product management, interval measures and the relationship with the lender. Finally the study concluded by identifying and evaluating behavioral parameters that can be used to develop behavioral score cards for SME in Kenya. These parameters need to be internally determined based on the existing customers? data and they largely relate to management of accounts and interval measures by SME customers. The study recommends that Banks and Financial Institutions should employ application factors and parameters as the basis for evaluating new customer loan applications which should form a basis for behavioral scoring for existing customers in order to predict default probability post disbursement. Further the study recommends that management of banks and financial institutions should take keen interest on the borrower?s business experience, management of other accounts the customer operates and how customers manage their loan facilities to determine the behavioral factors that can predict borrower-behavior and hence the possibility of default occurring. These borrower behaviors attributable to management of accounts act as predictors of likelihood of default. Finally the study recommends use of behavioral scorecards that analyze quantitative factors that can determine whether to approve additional credit facilities for already existing customers and future research is recommended on all commercial Banks in Kenya to determine additional parameters that can be applied industry-wide for behavioral credit scoring.
Author : Aruppillai Thayaparan
Publisher : GRIN Verlag
ISBN 13 : 3346085368
Total Pages : 52 pages
Book Rating : 4.3/5 (46 download)
Download or read book Borrowers' characteristics and their impact on repayment behaviour in Sri Lanka. An application of discriminant and logistic models written by Aruppillai Thayaparan and published by GRIN Verlag. This book was released on 2019-12-18 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Document from the year 2019 in the subject Business economics - Investment and Finance, , course: ECONOMICS, language: English, abstract: The main objective of the study is to identify the borrower characteristics that discriminate them into defaulters and non- defaulters and examine the determinants of loan repayment and their credit worthiness in Microfinance institutions in Vavuniya district in Sri Lanka. In line with above general objective, this study has the following specific objectives: To identify the borrower characters those classify them into defaulters and non-defaulters in the study area. To evaluate the impact of major demographic characters such as age, gender, levels of education, civil status and family members of the borrowers that impact on their repayment performance and credit worthiness. To investigate how the farming characters like income, farm size, ownership of land, farming experience and availability of non-farm income as well as farmers' attributes such as purposes of loan, crop failure, weather conditions and knowledge about loans affect loan repayment and discriminate the borrowers into two groups in the study area. Financial institutions and banks have major role in financial sector as well as rural sector of an economy in terms of providing loans to the rural community in developing countries like Sri Lanka. The borrowers especially, farmers are able to get the loans from the microfinance institutions to improve their living standard through agricultural activities and generate their income. Even the borrowers have chances to receive the loans, the microfinance institutions and banks are facing the problems to recover the loans from the borrowers. Thus, default rate among the borrowers has been increasing over time which is the difficult task to manage the banks and financial institutions. There are a number of many factors particularly demographic and farming characters that affect the loan repayment rates. There has not been any empirical research conducted regarding to repayment performance among the borrowers who get the loans from SANASA Thrift, Credit and Cooperative Society (TCCS) banks in Vavuniya district. Therefore, this study tries to provide the relevant information for a better understanding on the determinants of loan repayment performance of the borrowers and the information will be useful for policy makers, other lending institutions and stakeholders for their future decision making on granting the loans for their clients.
Author : Yolam Mwembe
Publisher : GRIN Verlag
ISBN 13 : 3668953996
Total Pages : 61 pages
Book Rating : 4.6/5 (689 download)
Download or read book Credit management and loan portfolio performance in Pride Microfinance Ltd written by Yolam Mwembe and published by GRIN Verlag. This book was released on 2019-06-06 with total page 61 pages. Available in PDF, EPUB and Kindle. Book excerpt: Masterarbeit aus dem Jahr 2019 im Fachbereich BWL - Investition und Finanzierung, , Sprache: Deutsch, Abstract: This study is an assessment of the effect of credit management on loan portfolio performance at Pride Microfinance Ltd, Uganda. Its main emphasis is to examine the effect of credit management policies, credit procedures and credit collection methods on loan portfolio performance. The examination utilized a clear study plan on 309 respondents who were chosen from an investigation populace of 1170 respondents. Interviews and closed-ended questionnaires were used to collect both qualitative and quantitative data. The findings showed that management policies, procedures as well as collection methods were positively correlated with loan portfolio performance. The majority of the variations in loan portfolio performance could be explained by variations in credit management policies, credit management procedures and credit collection methods for their outstanding balances while keeping other factors constant. The investigation demonstrated that credit management policies have a beneficial outcome on loan portfolio performance at Pride Microfinance Ltd. If the strategies are actualized, the foundation can almost certainly recoup the loans dispensed prompting a quality loan portfolio. This paper argues that credit collection methods significantly affect loan portfolio performance and for this reason emphasis needs to be placed on appropriate loan repayment frequency for better portfolio management.
Author : MOHAMMED SHAROOK ALI.
Publisher :
ISBN 13 :
Total Pages : 94 pages
Book Rating : 4.:/5 (122 download)
Download or read book FACTORS INFLUENCING LOAN REPAYMENT DEFAULTS IN MICROFINANCE INSTITUTIONS (MFIS) IN KUALA LUMPUR, MALAYSIA written by MOHAMMED SHAROOK ALI. and published by . This book was released on 2015 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Abdissa Tegene Wolde
Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783659526091
Total Pages : 92 pages
Book Rating : 4.5/5 (26 download)
Download or read book Factors Affecting Loan Repayment Performance of Micro Finance Clients written by Abdissa Tegene Wolde and published by LAP Lambert Academic Publishing. This book was released on 2014-11-18 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: Currently, poverty becomes a major problem in many developing countries. In these countries poverty is sever which has left millions of people out of basic needs for survival. In Ethiopia, there are many poor people living in rural and urban areas. The availability of financial services plays an important role in creating self-employment opportunities for the majority of low income population. The main problem of the poor performance of financial institutions in many developing countries is high rate of non-repayment of loan or default. Financial service provision program will be successful if the loan disbursed is healthy and repaid on time. The study conducted and compiled in this book may assist in guiding financial institutions or loan facilitating organizations to set appropriate criteria and standard procedures of loan disbursement. Loan repayment performance is affected by a number of socioeconomic and institutional factors. While some of the factors positively influence the loan repayment, the other factors are negatively affecting the loan repayment.
Author : R. Mersland
Publisher : Springer
ISBN 13 : 113739966X
Total Pages : 329 pages
Book Rating : 4.1/5 (373 download)
Download or read book Microfinance Institutions written by R. Mersland and published by Springer. This book was released on 2015-12-11 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 : Samiya Abdullahi
Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783844312485
Total Pages : 128 pages
Book Rating : 4.3/5 (124 download)
Download or read book Factors Affecting Loan Repayment Performance of Women in Ethiopia written by Samiya Abdullahi and published by LAP Lambert Academic Publishing. This book was released on 2011-03 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: Loan default is becoming an increasing problem that threats the sustainability of many microfinance institutions. The causes of the problem are multi- dimensional and non uniform among different literatures. This book, therefore, provides analysis of factors affecting loan repayment performance of women in Harar Microfinance Institution (HMFI). It is mainly based on primary and secondary data. For the analysis purpose, both descriptive statistics and logit regression were used to compare two groups, defaulters and non defaulters, with respect to some explanatory variables. It reveals that loan repayment performance of women is affected by various socio- economic, demographic and institutional factors. It also provides vital information to diverse literatures and has a potential to through light into the area that policy makers, implementing agencies and, anyone else who may engage in providing loan, especially for developing countries, should venture to improve loan repayment performance of borrowers as well as to ensure sustainability of microfinance institutions.
Author : Joanna Ledgerwood
Publisher : World Bank Publications
ISBN 13 : 0821366165
Total Pages : 570 pages
Book Rating : 4.8/5 (213 download)
Download or read book Transforming Microfinance Institutions written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 2006-08-30 with total page 570 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 : Franck Daphnis
Publisher : Kumarian Press
ISBN 13 :
Total Pages : 324 pages
Book Rating : 4.E/5 ( download)
Download or read book Housing Microfinance written by Franck Daphnis and published by Kumarian Press. This book was released on 2004 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: * First book to link housing and microfinance * Presents international and US experience As the premier book to provide a comprehensive overview of housing microfinance worldwide, Housing Microfinance sets the standard for future work in the field. The expert contributors combine wisdom from the separate fields of housing policy and microfinance, demonstrating what each can learn from the other. With solid guidance for practitioners and policymakers, the book reviews important issues for international and domestic microfinance institutions that are considering expanding into housing and for providers of conventional housing loans who seek to offer their services to poor clients who lack collateral or regular income.
