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Author : Nadiya Marakkath
Publisher :
ISBN 13 : 9788132216308
Total Pages : 184 pages
Book Rating : 4.2/5 (163 download)
Download or read book Sustainability of Indian Microfinance Institutions written by Nadiya Marakkath and published by . This book was released on 2013-11-30 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Manfred Zeller
Publisher : Intl Food Policy Res Inst
ISBN 13 : 080187226X
Total Pages : 426 pages
Book Rating : 4.8/5 (18 download)
Download or read book The Triangle of Microfinance written by Manfred Zeller and published by Intl Food Policy Res Inst. This book was released on 2002-01-01 with total page 426 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 : Hanna Kattilakoski
Publisher : GRIN Verlag
ISBN 13 : 334621947X
Total Pages : 103 pages
Book Rating : 4.3/5 (462 download)
Download or read book The Financial Sustainability of Micro-Finance Institutions in Sub-Saharan Africa written by Hanna Kattilakoski and published by GRIN Verlag. This book was released on 2020-08-05 with total page 103 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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
Author : Doris Köhn
Publisher : Springer
ISBN 13 : 3642417043
Total Pages : 199 pages
Book Rating : 4.6/5 (424 download)
Download or read book Microfinance 3.0 written by Doris Köhn and published by Springer. This book was released on 2013-12-02 with total page 199 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on the achievements, current trends and further potential of microfinance to scale-up and serve many more clients with financial services that enable them to improve their living conditions. The book asks what it takes to achieve sustainable impact: to know your clients and to understand their needs, to treat them in a fair and transparent way, and to safeguard the synthesis between the financial and social dimension of sustainable microfinance. The book also sheds light on the future funding landscape and what is necessary to bring more commercial funders on board while ensuring that these new funders will continue the commitment to responsible finance. While being forward looking, the book reflects the debate on core values of microfinance, triggered by recent criticisms of an approach that was hailed as a panacea in the beginning and which had proved over time as one of the most effective models of development finance. These criticisms emerged over signs of overheating in some markets, particularly the 2010 events in Andhra Pradesh, and turned into an assumption of a worldwide microfinance crisis, putting seriously at stake the good reputation microfinance had enjoyed so far.
Author : Ambika Prasad Pati
Publisher : Gyan Publishing House
ISBN 13 : 9788121210430
Total Pages : 300 pages
Book Rating : 4.2/5 (14 download)
Download or read book Financial Sustainability of Micro Financing written by Ambika Prasad Pati and published by Gyan Publishing House. This book was released on 2009 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt: Study conducted in Meghalaya, India.
Author : Ajai Nair
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 46 pages
Book Rating : 4./5 ( download)
Download or read book Sustainability of Microfinance Self Help Groups in India written by Ajai Nair and published by World Bank Publications. This book was released on 2005 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: The major form of microfinance in India is that based on women's Self Help Groups (SHGs), which are small groups of 10--20 members. These groups collect savings from their members and provide loans to them. However, unlike most accumulating savings and credit associations (ASCAs) found in several countries, these groups also obtain loans from banks and on-lend them to their members. By 2003, over 700,000 groups had obtained over Rs.20 billion (US$425 million) in loans from banks benefiting more than 10 million people. Delinquencies on these loans are reported to be less than 5 percent. Savings in these groups is estimated to be at least Rs.8 billion (US$170 million). Despite these considerable achievements, sustainability of the SHGs has been suspect because several essential services required by the SHGs are provided free or at a significantly subsidized cost by organizations that have developed these groups. A few promoter organizations have, however, developed federations of SHGs that provide these services and others that SHG members need, but which SHGs cannot feasibly provide. Using a case study approach, Nair explores the merits and constraints of federating. Three SHG federations that provide a wide range of services are studied. The findings suggest that federations could help SHGs become institutionally and financially sustainable because they provide the economies of scale that reduce transaction costs and make the provision of these services viable. But their sustainability is constrained by several factors--both internal, related to the federations themselves, and external, related to the other stakeholders. The author concludes by recommending some actions to address these constraints. This paper--a product of the Finance and Private Sector Development Unit, South Asia Region--is part of a larger effort in the region to study access to finance in India.
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 : Malcolm Harper
Publisher :
ISBN 13 : 9788132110088
Total Pages : 286 pages
Book Rating : 4.1/5 (1 download)
Download or read book Whose Sustainability Counts? written by Malcolm Harper and published by . This book was released on 2012 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Several recent events have undermined confidence in microfinance and microfinance institutions (MFIs). They range from the collapse of the microfinance industry in Andhra Pradesh, to the Bangladesh government s dismissal of Grameen Bank President Muhammad Yunus, Nobel Prize winner and venerated father of microcredit, to the increasing publicity about micro-loan debt bondage and debt-induced suicides of MFI clients in the subcontinent. What do these crises signify for the future of microfinance? Are the basic principles of finance for the poor salvageable? Can the model be improved?From its inception in 1996, BASIX one of the largest microfinance institutions in India has realized that focusing solely on loans will not improve the lives of its poor clients. Recognizing that the complex problems of poverty require complex solutions, it has melded financial services with livelihood development and institutional sustainability to achieve its goals, all the while maintaining impeccable ethical standards and practices of social inclusion that give voice to the poor who rely on the financial services BASIX provides them. Malcolm Harper cuts through the cynicism and disillusionment about microfinance with his account of BASIX to show how the organization offers pathways for a revamped MFI of the future, one that responds to poor clients diverse needs equitably and effectively"--Back cover.
Author : Hanna Kattilakoski
Publisher : GRIN Verlag
ISBN 13 : 3346187950
Total Pages : 6 pages
Book Rating : 4.3/5 (461 download)
Download or read book Financial Sustainability of Micro-Finance Institutions in Sub-Saharan Africa written by Hanna Kattilakoski and published by GRIN Verlag. This book was released on 2020-06-23 with total page 6 pages. Available in PDF, EPUB and Kindle. Book excerpt: Presentation slides from the year 2018 in the subject Business economics - Business Management, Corporate Governance, grade: 90, Cologne Business School Köln, language: English, abstract: What factors influence the financial sustainability of microfinance institutions in Sub-Saharan Africa?
Author : Nadiya Marakkath
Publisher : Springer Science & Business Media
ISBN 13 : 8132216296
Total Pages : 179 pages
Book Rating : 4.1/5 (322 download)
Download or read book Sustainability of Indian Microfinance Institutions written by Nadiya Marakkath and published by Springer Science & Business Media. This book was released on 2013-10-23 with total page 179 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although 'doing good' is our innate nature, we often get lost in the complexities and view goodness as a distant dream. Making this dream of goodness a reality is often thwarted by thoughts surrounding sustainability. Thus, all good initiatives require a focus on sustainability and this has become one of greatest and most formidable challenges faced by any social enterprise. The book documents the understanding of the sustainability of one of the most celebrated forms of social enterprise of our times — Microfinance Institutions (MFIs) gained through a mixed-methods research investigation. It attempts to answer pertinent questions such as: What are the determinant and discriminating factors for the sustainability of MFIs in India? How are these factors being managed by the operationally efficient Indian MFIs that remained sustainable at reasonable interest rates before the onset of the crisis and ceilings imposition in Indian microfinance markets? What does the Indian microfinance crisis teach us about sustainability management and mismanagement? In a nutshell, the answers show that sustainability is a strategic issue that needs managerial attention and not a matter to be left to serendipity. At a time when the industry is recovering from the adverse effects of a crisis and when there are still contentions as to whether the rate fixed by the regulator is enough for the sustenance of the MFIs, the findings mentioned in the book revive the lost hope for the Indian microfinance industry. By deciphering the strategies used by efficient and sustainable MFIs and discussing the lessons that the crisis has imparted to the Indian microfinance markets, this book will enable Indian MFIs to march towards efficient and sustainable operations without losing focus on their clients.
Author : Yahaya Alhassan
Publisher : Business Science Reference
ISBN 13 : 9781799874997
Total Pages : 408 pages
Book Rating : 4.8/5 (749 download)
Download or read book Microfinance and Sustainable Development in Africa written by Yahaya Alhassan and published by Business Science Reference. This book was released on 2021 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book offers great insight into theoretical, policy-oriented and practical ways to address some of the challenges of using microfinance for sustainable development in Africa"--
Author : Das, Ramesh Chandra
Publisher : IGI Global
ISBN 13 : 1522552146
Total Pages : 385 pages
Book Rating : 4.5/5 (225 download)
Download or read book Microfinance and Its Impact on Entrepreneurial Development, Sustainability, and Inclusive Growth written by Das, Ramesh Chandra and published by IGI Global. This book was released on 2018-06-15 with total page 385 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance is a broad variety of services, such as microcredit, for entrepreneurs and small businesses lacking access to banking and other financial services. As many smaller businesses and entrepreneurs may not be able to secure credit services, many microfinance promoters believe that it encourages entrepreneurial activities and inclusive growth. Microfinance and Its Impact on Entrepreneurial Development, Sustainability, and Inclusive Growth is an essential resource that empirically explores the role of microfinance in entrepreneurship development and the operational sustainability of microfinance institutions. It also highlights the impact of microfinance on entrepreneurship development in different countries and regions. Featuring coverage on a broad range of topics such as risk management, women entrepreneurship, and strategic management, this book provides essential research for entrepreneurs, business managers, policy makers, researchers in the field of finance, and business professionals seeking relevant research on microfinance systems.
Author : Gunindra Nath Sarmah
Publisher :
ISBN 13 : 9788131104514
Total Pages : 346 pages
Book Rating : 4.1/5 (45 download)
Download or read book Microfinance and Sustainable Development in North East India written by Gunindra Nath Sarmah and published by . This book was released on 2013 with total page 346 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Jonathan Morduch
Publisher :
ISBN 13 :
Total Pages : 28 pages
Book Rating : 4.F/5 ( download)
Download or read book The Microfinance Schism written by Jonathan Morduch and published by . This book was released on 1998 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Md Nazim Uddin
Publisher : Springer Nature
ISBN 13 : 9819705347
Total Pages : 326 pages
Book Rating : 4.8/5 (197 download)
Download or read book Role of Governance in Microfinance Sustainability written by Md Nazim Uddin and published by Springer Nature. This book was released on with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Robert J. Cull
Publisher : World Bank Publications
ISBN 13 : 0601241630
Total Pages : 51 pages
Book Rating : 4.6/5 (12 download)
Download or read book Financial Performance and Outreach written by Robert J. Cull and published by World Bank Publications. This book was released on 2006 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 :
Publisher : Harsh Goyal
ISBN 13 :
Total Pages : 32 pages
Book Rating : 4./5 ( download)
Download or read book Microfinance in India - Bridging the divide written by and published by Harsh Goyal. This book was released on with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:
