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Journal articles on the topic 'Association Al Amana microfinance'

Author: Grafiati

Published: 5 June 2025

Last updated: 16 July 2025

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1

Mohamed, Mohamed AbdElaziz Youssef, and ALFakharany Mohamed. "How to Increase Employee Correlation." INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH AND ANALYSIS 06, no. 09 (2023): 4151–58. https://doi.org/10.5281/zenodo.8337205.

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Amana's procedure relies upon a long haul, maintainable improvement of its work by executing viable activity plans for overseeing and creating business that accomplishes its different objectives. Thus, top administration generally tries to give sound workplace to representatives just to ensure the steadiness of the association. Our exploration examines factors that influence worker relationships to the association. The last decision gives an unmistakable vision for the administration to in like manner foster their arrangements.

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Masood, Syed Muhammad Usman, Rasim Özcan, and Asad ul Islam Khan. "Till debt does us apart: Cross-country evidence on the relationship between microfinance prevalence and social distrust." PLOS ONE 18, no. 3 (2023): e0282072. http://dx.doi.org/10.1371/journal.pone.0282072.

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Economic interventions have social consequences. In this paper, we explore one such relationship, between microfinance intensity and social distrust levels reported by the low-income people. We find a significant association between microfinance intensity in a country and distrust among the poor as well as ultra-poor in cross-section using World Values Survey & European Values Survey (WVS-EVS) Wave 7 (2017–2022). We supplement these findings using empirical Bayes on a panel extending back from 7th to the 4th WVS wave (1999–2004). To deal with potential endogeneity, we run 2SLS as well as w

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Alzain, Elham, and Ali Saleh Alshebami. "The role of awareness in predicting the intention of microfinance entrepreneurs to buy microinsurance services in Yemen." Innovative Marketing 18, no. 2 (2022): 99–108. http://dx.doi.org/10.21511/im.18(2).2022.09.

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The study looks into the role of microinsurance awareness in predicting microfinance entrepreneurs’ intentions to purchase microinsurance in Yemen. It is based on a survey of 201 microfinance entrepreneurs who received loans from Yemen’s National Microfinance Foundation (NMF) for various purposes. The analysis and hypothesis testing used PLS-SEM. Along with additional tests regression analysis was employed to examine the effect among the study variables. According to the results, microinsurance awareness and the intention of microfinance entrepreneurs in Yemen to acquire microinsurance service

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Karmacharya, Bibek. "Impact of Microfinance Services on Entrepreneurship Development: Empirical Evidence from Pokhara Valley." Kanya Journal 4, no. 1 (2023): 21–37. http://dx.doi.org/10.3126/kanyaj.v4i1.57023.

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Microfinance plays a critical role in consumer entrepreneurship development. This study measures the impact of microfinance services on entrepreneurship development in the Pokhara valley using a sample of 320 individuals. Confirmatory factor analysis (CFA) and structural equation modeling (SEM) are employed to assess the relationship between microfinance services and entrepreneurship development. The CFA results indicate a strong fit, aligning with the hypothesized model. Path analysis reveals significant positive associations between lending services, training and education services, and cons

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Kadima, Aggrey, Mary Nelima Sindani, and Muli Maingi. "Credit Risk Management on Financial Performance of Selected Microfinance Institutions." African Journal of Empirical Research 4, no. 2 (2023): 778–84. http://dx.doi.org/10.51867/ajernet.4.2.79.

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The purpose of this study was to look at the impact of credit risk management on the financial performance of a few Kenyan microfinance firms. The study's approach was a descriptive survey research design and a panel data analysis technique. The study comprised credit managers from all 52 Kenyan microfinance institutions registered in the Association of Microfinance Institutions in Kenya (AMFI) database. The study included all of the institutions that were targeted. The questionnaire, which had previously been tested on local microfinance banks in Kakamega County, was used to collect data. Dat

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Quayes, Shakil. "Determinants of Microfinance Interest Rates." Economic Analysis Letters 4, no. 2 (2025): 1–7. https://doi.org/10.58567/eal04020001.

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Microfinance loans have long been associated with relatively high interest rates. There is a wide variation of interest rates charged by microfinance institutions (MFIs) across countries, as well as some dispersion of interest rates across MFIs within the same country. The source of interest rate variation can result from institution specific characteristics such as, average loan size and the composition of female borrowers. The dispersion in prevailing interest rates in the formal financial sector across countries may partially contribute to the variation of microfinance interest rates across

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Dhakal, Chandra Prasad. "Impact of Microfinance on the Social Development of Beneficiaries of Syangja District, Nepal." Tribhuvan University Journal 31, no. 1-2 (2017): 107–20. http://dx.doi.org/10.3126/tuj.v31i1-2.25335.

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Microfinance is known as economic crisis manager of rural society. It provides the easy loan along with the skill of financial management and other orientation program. Microfinance is the friend of poor who always become ready to support the poor, marginalized and disadvantage communities. The study aims to identify the social impact of microfinance on the beneficiaries of Syangja district. The data collected were from the 385 beneficiaries of microfinance through structured questionnaire. The study has measured the impact of microfinance on education, healthcare, decision making power and wo

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Singh, Vijeta, and Puja Padhi. "Dynamic Incentives and Microfinance Borrowers." Journal of Land and Rural Studies 5, no. 1 (2017): 67–92. http://dx.doi.org/10.1177/2321024916677609.

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In recent years microfinance has been recognised as one of the policy mechanisms to achieve the goal of financial inclusion. Different lending models have been appropriated in microfinance sector to provide micro-loans to microfinance borrowers and their likely socio-economic impact on microfinance borrowers varies across different lending models. In case of microfinance, credit contracts between lenders and borrowers are designed in such a manner that borrowers’ initial loans are smaller but increases with each loan cycle over a period of time, termed as progressive lending.2 The present stud

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Vranovci, Shpresim. "Exploring the Relationship between Client Protection Practices and Sustainable Performance in the Microfinance Sector: A Study of Kosovo's Microfinance Institutions." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 22 (April 4, 2025): 574–83. https://doi.org/10.37394/23207.2025.22.51.

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Microfinance institutions (MFIs) help provide financial services to low-income people small businesses in developing countries. For microfinance institutions to ensure that their clients are served in the right way and, on the other hand, they remain safe, MFIs must adhere to some basic principles of corporate governance, which must support standards of consistency, Transparency, and well-developed corporate governance structures. This study aims to explore customer protection policies' impact on the success of the microfinance industry in the long term, among other things which are of great i

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Gichuru, Wanjiku, Shalini Ojha, Sherie Smith, Alan Robert Smyth, and Lisa Szatkowski. "Is microfinance associated with changes in women’s well-being and children’s nutrition? A systematic review and meta-analysis." BMJ Open 9, no. 1 (2019): e023658. http://dx.doi.org/10.1136/bmjopen-2018-023658.

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BackgroundMicrofinance is the provision of savings and small loans services, with no physical collateral. Most recipients are disadvantaged women. The social and health impacts of microfinance have not been comprehensively evaluated.ObjectiveTo explore the impact of microfinance on contraceptive use, female empowerment and children’s nutrition in South Asia, Sub-Saharan Africa and Latin America and the Caribbean.DesignWe conducted a systematic search of published and grey literature (1990–2018), with no language restrictions. We conducted meta-analysis, where possible, to calculate pooled ORs.

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Joseph, Owino O., and Francis Kibera. "Organizational Culture and Performance: Evidence From Microfinance Institutions in Kenya." SAGE Open 9, no. 1 (2019): 215824401983593. http://dx.doi.org/10.1177/2158244019835934.

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The study aimed at determining the influence of organizational culture on the performance of microfinance institutions in Kenya. A descriptive cross-sectional survey design was adopted. Secondary data were collected from annual reports by the Association of Microfinance Institutions in Kenya and the Microfinance Rating Africa. Primary data were collected using structured questionnaire targeting the chief executive officer, human resource manager, and marketing manager. Data were analyzed using factor analysis and hierarchical regression. Our analysis identifies clan and hierarchy as the domina

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Tasos, Stylianou, Muhammad Ijaz Amjad, Masood Sarwar Awan, and Muhammad Waqas. "Poverty Alleviation and Microfinance for the Economy of Pakistan: A Case Study of Khushhali Bank in Sargodha." Economies 8, no. 3 (2020): 63. http://dx.doi.org/10.3390/economies8030063.

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Poverty is a universal reality, and no one can deny the omnipresence of it all over the world. It is considered as the most harmful economic and social problem of human beings since their creation. It affects individuals as well as society as a whole in a very destructive way, and it is considered that poverty is the mother of all human rights violations. Perhaps no one would argue against the notion that microfinance can be a very useful apparatus in human, social, economic, political and national development. Microfinance has been established to fill the gap of a missing credit market for th

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Murshid, Nadine Shaanta, and Allison Zippay. "Microfinance Participation and Marital Violence in Bangladesh: A Qualitative Inquiry." Violence Against Women 23, no. 14 (2016): 1752–70. http://dx.doi.org/10.1177/1077801216665480.

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This study explores the experiences of marital violence within the context of microfinance participation among a sample of women living in poverty in Bangladesh. Status inconsistency theory suggests that the higher incomes and female independence that may occur with microfinance participation may threaten or destabilize marital norms in Bangladesh, and have implications in terms of increased violence. We use qualitative data from in-depth interviews with 30 women residing in a slum in Dhaka, Bangladesh, to assess the circumstances in which there may be an association between microfinance parti

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Sherwani, Dr Faizan Khan, Sanna Zafar Shaikh, and Zoya Zafar Shaikh. "Interest-Free Microfinance Arrangements and Its Impact on the Livelihood of Women in India." 12th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 12, no. 1 (2021): 48. http://dx.doi.org/10.35609/gcbssproceeding.2021.12(48).

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This study is based on the impact of interest-free microfinance arrangements on the livelihood of women in India. Studies revealed the existence of interest-free microfinance, as well as its outcome on the livelihood of weaker sections of society (particularly women), improved their well-being. Moreover, the interest-free microfinance model can also offer an alternative paradigm for millions of poor individuals who are currently not accommodated by conventional microfinancing. However, the association to Interest Free Micro Financing may be due to religious constraints, easy documentation &amp

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Muriithi Njue, Alex, Samuel Nduati Kariuki, and Duncan Mugambi Njeru. "Liquidity Management and Financial Performance of Microfinance Institutions in Kenya." Journal of Social Sciences Research, no. 611 (November 19, 2020): 943–53. http://dx.doi.org/10.32861/jssr.611.943.953.

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Sound liquidity management is integral for any financial institution’s stability and profitability, since deteriorating liquidity management is the most frequent cause of poor financial performance. As with any financial institution, the biggest risk in microfinance sector is lending money and not getting it back leading to liquidity problems as most of them have no access to lender of the last resort which is the Central Bank of Kenya. The study sought to investigate the effect of liquidity management on financial performance of microfinance institutions in Kenya. The target population of the

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Adeiza, Bello, Lukman, Saidu, Zaharadeen Bala, and Uzoma, Anthony Ozoemenam. "EFFECT OF ARBUSCULAR MYCORRHIZAL FUNGI AND NITROGEN SOURCES ON GROWTH AND NUTRIENT UPTAKE OF MAIZE PLANT IN SOIL OF MINNA." Tropical Agroecosystems 5, no. 2 (2024): 51–55. https://doi.org/10.26480/taec.02.2024.51.55.

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A screen house experiment was carried out at Federal University of Technology, Minna, in the cropping season of 2021 to determine the response of maize to different sources of Nitrogen and AMF in soil of Minna. Soil samples were obtained from Teaching and Research Farm, Gidan Kwano Campus at a depth of 0 – 15cm with the aid of sterilized auger. Prior to treatment, seeds of AMANA-1 Maize variety were sown at the rate of 4 seeds per pot and later thinned to two seedlings after one week of planting. At day 1 of planting, pots were treated with basal application of 200 ml hydroponic nutrient solut

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Salem Al-Harethi, Abobakr Ramadhan. "The Role Of Islamic Banks In Yemen In Supporting Microfinance Institutions." IKONOMIKA 3, no. 2 (2019): 121–26. http://dx.doi.org/10.24042/febi.v3i2.3515.

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Islamic banks become the best solution to the crisis of the global financial system at present.in addition, it become also a real player in dealing with economic crises and the financial complexities of the traditional banking system prevailing in the world today. moreover, countries and governments in both developed and developing countries have become increasingly interested in the issue of microfinance because of their close association with the development in various countries and may be interested in supporting countries and governments for microfinance by enacting the necessary laws and

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Huruta, Bernard Edheney, and Yulius Pratomo. "Cultural value as the basis for the microfinance development of the Farmer’s Group Association." Masyarakat, Kebudayaan dan Politik 32, no. 4 (2019): 346. http://dx.doi.org/10.20473/mkp.v32i42019.346-353.

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This study aims to describe the form of local wisdom (cultural value) in rural microfinance — this study conducted from October until December 2018 in Wangga Village, East Sumba. A qualitative method was used to picture the phenomenon of local wisdom-based microfinance development in communities. The authors used in-depth interviews with eight informants from the Rinjung Pahamu Farmer’s Group Association. The eight informants were determined purposively. Also, the data collection was carried out through a focus group discussion with the Rinjung Pahamu Farmer’s Group Association. The results of

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Murshid, Nadine Shaanta, and Gretchen E. Ely. "Microfinance participation and contraceptive use and intention in Bangladesh." International Social Work 62, no. 4 (2018): 1274–85. http://dx.doi.org/10.1177/0020872818774089.

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This study assessed the association between microfinance participation and contraceptive use and intention among 46,639 women between the ages of 15 and 49 years from the Bangladesh Demographic and Health Surveys (BDHS) 2007, 2011, and 2014 using chi-square tests and multinomial logistic regression. The multivariate model revealed that the model explained 14 percent of the variance in contraceptive use and intention. Adjusted beta coefficients revealed that when microfinance participation increased by one unit, use of modern methods of contraception significantly increased by 0.32. The study f

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Njagi, Joram Nyaga, and Charity Njoka. "Microfinance Reforms and Financial Inclusion in Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 3, no. 1 (2021): 54–72. http://dx.doi.org/10.35942/ijcfa.v3i1.181.

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Statistics indicate that about 1.7 billion people can’t access a savings account and slightly above 200 million small and medium-sized enterprises are deprived access to satisfactory financial solution. Kenya views microfinances as a development instrument for poverty lessening and economic growth through ensuring financial inclusion. It is due to the acceptance of this vital role of Microfinance that Kenya has undertaken strategic microfinance reforms and regulations aimed at promoting financial inclusion through microfinance business. The research’s general objective is to examine the effect

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Bhati, Sonali, Manish Dadhich, Anurag Shukla, and Anand A. Bhasker. "Analysis of Rural Microfinance Sustainability: Does Local Insight Driven Governance Work?" RESEARCH REVIEW International Journal of Multidisciplinary 9, no. 4 (2024): 209–22. http://dx.doi.org/10.31305/rrijm.2024.v09.n04.024.

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This study aims to create sustainable microfinance models and formulate policies to facilitate finance in rural areas of western Rajasthan. The study gathers the data by distributing questionnaires to 480 respondents from chosen districts Pali, Sirohi, and Jalore. The information from the questionnaires is supplemented by focus groups held in certain places. This study's endogenous variables are microfinance sustainability and governance characteristics. Social, economic, and environmental issues are exogenous variables. Then, we quantitatively analyze the data using Smart-PLS 4.0. The study f

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Palanivel, P., and D. Sureshkumar. "Self Help Groups and Micro Credit- An Analytical Study with Special Reference to Coimbatore City." Journal of Global Economy 6, no. 1 (2010): 11–15. http://dx.doi.org/10.1956/jge.v6i1.101.

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Microfinance and micro-credit practices have become a popular means of local development. In India, their expansion has been largest in Tamilnadu. These practices target primarily women, who are encouraged to construct self-help-groups in order to have a social basis for raising collateral and for receiving financial services. Microfinance has been perceived by the public as inducing strong positive effects on womenâ€™s empowerment and as strengthening the democratic fibre. From these standpoints, expansion and effects, it has been evaluated and analyzed whether microfinance can empower women

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Shah, Muhammad Imran, and Zahid Awan. "Analysis of Microfinance and Its Impact on Improving Living Standard of Borrowers: Evidence from Khyber Pakhtunkhwa." Academic Journal of Social Sciences (AJSS ) 4, no. 2 (2020): 336–53. http://dx.doi.org/10.54692/ajss.2020.04021051.

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There are many indicators such as the living standards, empowerment of borrowers, employment opportunities and poverty reduction which show the association between microfinance and developing economy. The major objective of this research study is to analyze microfinance to show its impact on living standard regarding people of Khyber Pakhtunkhwa, this study is based on both quantitative and qualitative methodologies to find out the feasible solution of the research problem. A stratified random sampling technique was used to get the response of a total of 265 respondents. Data were collected th

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Sohrab Uddin, S. M., Nahid Afroz, and Tasfika Khanam. "Is the Islamic Microfinance Model a Viable Alternative to Conventional Counterparts: An Institutional Comparison." Journal of Emerging Financial Markets and Policy 2, no. 1 (2023): 1–25. http://dx.doi.org/10.4038/jefmp.v2i1.9.

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Microfinance, a commendable means of poverty alleviation, is considered a sustainable tool for lifting the impoverished portion of society from extreme poverty. Through institutional comparison among conventional micro-credit and Islamic microfinance models in Bangladesh, this study aims to investigate whether Islamic microfinance models can be established as viable alternatives to mitigate the loopholes of their conventional counterparts. The study involves qualitative analysis, specifically content analysis of institutional models. Moreover, descriptive statistics for representing data of co

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Mueni, Lucia, Gordon Opuodho, and Agnes Wanjiru Njeru. "Market Risk and Financial Performance of Deposit Taking Micro Finance Banks Kenya." International Journal of Innovations and Interdisciplinary Research (IJIIR) ISSN 3005-4885 (p);3005-4893(o) 3, no. 1 (2025): 1–14. https://doi.org/10.61108/ijiir.v3i1.159.

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Microfinance banks provide small-scale financial services, including loans, savings, and money transfers, to marginalized communities. However, they face significant credit risk due to unsecured lending and the limited credit history of borrowers. This risk is heightened by rapid technological changes and evolving market conditions, which threaten their financial stability. To maintain profitability, microfinance banks must adopt effective credit risk management strategies to assess and mitigate exposures that could impact their financial performance. Therefore, this study sought to examine ho

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Julius, J. Macha. "Rural Citizens' Perceptions on Microfinance Services Adoption in Tanzania: Moderating Effects of Demographic Factors." International Journal of Management, Technology, and Social Sciences (IJMTS) 2, no. 2 (2017): 70–83. https://doi.org/10.5281/zenodo.1041993.

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The purpose of this study is to investigate the moderating effects of demographic variables among the rural citizens in Tanzania on the association between perceived benefits and determinants of intention to adopt microfinance services by using the Theory of Reasoned Action. Stratified and multistage sampling techniques were employed to select respondents and survey questionnaire was administered to collect the data that resulted in a response rate of 82%. The structural equation modelling (SEM) was employed to analyse the hypotheses of the core and moderating models. The study’s findings demo

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Kelvin, Chenya, and Jared Bitange Bogonko Dr. "Effect of Credit Analysis on Financial Performance of Microfinance Institutions in Eldoret Town, Kenya." American Based Research Journal 7, no. 12 (2018): 47–59. https://doi.org/10.5281/zenodo.3456191.

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<em>Microfinance institutions industry plays a vital role in the economy by giving loans to poor people with the aim of reducing poverty level hence economic growth. A major threat facing microfinance institutions is the increase of Non-Performing Loans (NPL) that leads to the collapse of microfinance institutions. The purpose of this research is to determine the effect of credit analysis on the financial performance of microfinance institutions in Eldoret town, Kenya. The study was founded on the 5C’s model of client appraisal. The target population of the study was 25 licensed microfin

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Mueni, Lucia, Gordon Opuodho, and Agnes Wanjiru Njeru. "Credit Risk and Financial Performance of Deposit Taking Microfinance Banks Kenya." International Journal of Social Science and Humanities Research (IJSSHR) ISSN 2959-7056 (o); 2959-7048 (p) 3, no. 1 (2025): 112–25. https://doi.org/10.61108/ijsshr.v3i1.158.

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Microfinance banks provide small-scale financial services, including loans, savings, and money transfers, to marginalized and low-income communities. However, they face significant credit risk due to borrowers' limited financial capacity and unstable income sources. This risk is heightened by continuous internal and external changes, such as technological advancements, which can impact financial performance. To maintain stability and profitability, microfinance banks must effectively measure and manage credit risk exposures that threaten their viability. Therefore, this study sought to examine

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The, Hery Verianto, Marvello Yang, Syed Ali Fazal, et al. "Modeling the significance of dynamic capability on the performance of microfinance institutions." PLOS ONE 18, no. 5 (2023): e0285814. http://dx.doi.org/10.1371/journal.pone.0285814.

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According to strategic management theory, dynamic capability plays a significant role in enhancing organizational performance. Using a cross-sectional research design, the current study quantitatively assesses the mediating effect of dynamic capability on the relationships of total quality management, customer intellectual capital, and human resource management practice with the performance of microfinance institutions. An online survey involving 120 members of Induk Koperasi Kredit, a credit union association in West Kalimantan, Indonesia, is conducted. All the data are subjected to variance-

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Khondaker, Dr Robiul Awal, Keshav Lall Maharjan, Dr Mohammad Golam Sadik, et al. "Role of Sanitation Microfinance on the Improvement of Sanitation Condition and Nutrition Condition of Under-five Children in Rural Bangladesh." Scholars Journal of Applied Medical Sciences 10, no. 9 (2022): 1578–86. http://dx.doi.org/10.36347/sjams.2022.v10i09.028.

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Introduction: The sanitation requirement for the sustainable development goals (SDGs) is to certify household better sanitation, and it is the target of SDGs. Developed sanitation is that which ensures the hygienic separation of human excreta from human contact. The Government of Bangladesh has a strategy to safeguard sanitation at an agreeable level for all by 2030. Aim of the study: The study aims to investigate the relationship between sanitation microfinance and sanitation condition in Bangladesh. Methods: A cross-sectional study was carried out in each district of Dhaka, Chittagong, Rajsh

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Ahmed, Jashim Uddin, and Wahida Shahan Tinne. "ASA: Cost-effective and Sustainable Microfinance Model NGO in Bangladesh." South Asian Journal of Business and Management Cases 6, no. 2 (2017): 167–75. http://dx.doi.org/10.1177/2277977917730445.

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Microfinance institutions (MFIs) focus on understanding the needs of the poor and assisting them to improve their livelihoods by developing the most efficient and effective mechanisms to deliver finance. This case study concentrates on how the Association for Social Advancement, or ASA, approaches working with non-governmental organizations (NGOs) on microfinance using its diversified service portfolios and operational structures in Bangladesh. The achievements and threats of NGOs have been discussed in terms of current changes and challenges for a microcredit concept to alleviate poverty in B

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Filambi, Suleiman Shomari. "Economic Development and the Muslim Community in Tanzania: Historical Challenges and Future Prospects." African Journal of History and Geography 4, no. 1 (2025): 212–22. https://doi.org/10.37284/ajhg.4.1.3270.

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Economic development is essential for reducing poverty, promoting financial inclusion, and empowering communities. In Tanzania, the Muslim community has faced significant economic marginalisation due to historical and structural barriers. This study explores the historical challenges, current trends, and future opportunities for economic development within this community. The colonial era in Tanzania saw educational and financial systems that favoured Christian communities, leaving Muslims with limited access to resources and opportunities. Post-independence reforms aimed at promoting equity d

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Qadri, Syed Muhammad Younus, and Roohi Ahmed. "Influence of Microfinance on Poverty Reduction in Pakistan: An Analytical Approach." International Journal of Social Science & Entrepreneurship 3, no. 2 (2023): 207–30. http://dx.doi.org/10.58661/ijsse.v3i2.92.

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This study's goal is to empirically examine how microfinance tools have affected Pakistan's efforts to combat poverty. The panel data of Pakistani microfinance institutions—both deposit-taking and non-deposit-taking institutions—was selected from Microfinance Information Exchange (MIX) and the World Bank data resources between 2004 and 2018. Due to the presence of endogeneity and heteroskedasticity in the model we apply One Step Robust System GMM model. This paper's major objective is to determine how gross loan portfolio affects the country's efforts to combat poverty. The assertion made in t

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Bakker, Anuschka, Jaap Schaveling, and André Nijhof. "Governance and microfinance institutions." Corporate Governance 14, no. 5 (2014): 637–52. http://dx.doi.org/10.1108/cg-03-2014-0032.

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Purpose – This paper aims to determine the influence of governance mechanisms on sustainability and outreach of microfinance institutions (MFIs). Corporate governance has been identified as a key bottleneck in strengthening MFIs’ sustainability (financial performance) and increasing their outreach (social impact). Design/methodology/approach – First, a literature study to give insight in the microfinance sector is provided. Subsequently, the data research has been performed based on the statistics of one of the funds of a Dutch independent investment manager, which is focused on responsible in

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Adebisi, A. O., Olufunmilayo Adekemi Ajala, and S.M. Zannu. "IMPACT OF MICROCREDIT ON POVERTY REDUCTION IN NIGERIA." GVU Journal of Management and Social Sciences 9, no. 1 (2024): 28–37. https://doi.org/10.5281/zenodo.13207279.

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This study investigates the relationship between microcredit and poverty reduction in Nigeria using regression analysis with Ordinary Least Squares (OLS) on time-series data from 2003 to 2022. The findings reveal a significant and persistent association between the poverty index and microfinance loans, unemployment, and interest rates. Unemployment and microfinance loans adversely impacted poverty alleviation, while interest rates had a similar negative effect, leading to rejecting the null hypothesis. The analysis indicates that microcredit and interest rates significantly reduce poverty and

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Beatrice, Njeru Warue. "Factors Affecting Loan Delinquency in Microfinance Institutions in Kenya." International Journal of Management Sciences and Business Research 1, no. 12 (2012): 01–22. https://doi.org/10.5281/zenodo.3402031.

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The main goal of every microfinance institution (MFI) is to operate profitably in order to maintain its stability and improve growth and sustainability. However, existence of high levels of loan delinquency problem in microfinance industry negatively affect the level of private investment and constrain the scope of microfinance institution credit to borrowers as MFIs have to compensate for loan delinquency losses. The success of individual MFIs in credit risk management is largely reflected in the proportion of delinquency’s loans to gross lending. External and internal economic environm

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Nininahazwe, Pacifique, and Christopher Mutembei. "Analyzing the Effects of Credit Management Practices on Loan Repayment Performance of Microfinance Institutions in Makamba, Burundi." International Journal of Current Aspects in Finance, Banking and Accounting 5, no. 2 (2023): 49–70. http://dx.doi.org/10.35942/416j5039.

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The ability to obtain funding is crucial to the success of microfinance institutions. To give credit to micro entrepreneurs, an individual’s credit history and worthiness is pivotal. However, loan payback performance is a barrier. Burundi's financial institutions have collapsed as a result of poor credit management. The purpose of this study was analyzing the effects of credit management practices on loan performance in Microfinance institutions. The study was based on the subsequent goals: to ascertain the impact of client evaluation on loan repayment performance benchmark; to assess how cred

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Goda, Goodluck, and William Clifford Gomera. "The Contribution of Microlending Models to the growth of Micro and Small Entrepreneurs." Journal of Business and Management Review 3, no. 9 (2022): 601–26. http://dx.doi.org/10.47153/jbmr39.4622022.

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Microfinance has been providing microcredit services to beneficiaries through group, individual, association loans, community banking, and corporative microlending models. The sector has been fostering the growth of business in the economy by enabling entrepreneurs to participate in a variety of income-generating activities. However, there is limited information on the extent the microlending models contribute to the performance of micro and small enterprises. Therefore, the current research primarily intended to assess the contribution of Microfinance Bank's microlending models to the growth

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Morshed, Zakir, Mohshin Habib, and Christine Jubb. "Does Regulation Influence Microfinance Institutions to Be More Client-Responsive?" International Journal of Financial Studies 8, no. 4 (2020): 63. http://dx.doi.org/10.3390/ijfs8040063.

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The regulation of microfinance services is likely to have a wide-ranging influence on the microfinance sector, particularly on institutions and their clients. This paper reveals the impact of a specific regulatory regime, the “Microcredit Regulatory Authority Act, 2006”, enacted by the Bangladesh government to monitor and supervise nonprofit nongovernment organizations (NGOs). We analyzed survey and interview data provided by clients of both nonprofit microfinance institutions (MFIs) registered under the Act and nonprofit institutions that are unregistered, all lending only to women. Client-le

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Anaege, Arinze E., Onyinye M. Eneh, Onyekachi A. Inweregbu, and Sopuruchukwu P. Okwuego. "Cybersecurity Threats in Cloud Accounting: A Case Study of Microfinance Banks in Anambra State Using NAMBUIT Banking Software." International Journal of Research and Innovation in Applied Science X, no. III (2025): 290–300. https://doi.org/10.51584/ijrias.2025.10030021.

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This study investigates the effect of cybersecurity threats on the operational efficiency and regulatory compliance of microfinance banks (MFBs) in Anambra State, Nigeria, with a particular focus on MFBs that use the National Association of Microfinance Banks Unified Information Technology (NAMBUIT) cloud accounting platform. As cloud accounting becomes increasingly vital for MFBs due to its benefits, such as real-time data access and reduced IT costs, it also brings heightened cybersecurity risks that can disrupt daily operations and erode customer trust. Through a combination of quantitative

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Farhan, Muhammad, Media Kusumawardani, Achmad Soediro, and Patmawati Patmawati. "PENINGKATAN PEMAHAMAN LEMBAGA KEUANGAN MIKRO SYARIAH PADA PENGURUS MASJID DAN ANGGOTA IKADI KOTA PELAMBANG." SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan 7, no. 1 (2023): 396. http://dx.doi.org/10.31764/jpmb.v7i1.13639.

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ABSTRAKLembaga keuangan mikro syariah cukup berkembang di Indonesia. Lembaga keuangan syariah dapat membantu masyarakat untuk menyelesaikan masalah ekonomi yang mendorong program pemerintah untuk menurunkan angka kemiskinan. Lembaga keuangan mikro syariah perkembangannya dapat dibantu melalui masjid. Masjid yang merupakan tempat ibadah umat muslim, berpotensi untuk mendorong program pemerintah melalui salah satu bentuk lembaga keuangan mikro syariah yaitu BMT (Baitul Maal Wat Tamwil). Masjid memiliki aset yang cukup dari masyarakat dan dapat dikelola secara produktif untuk kepentingan dan kebu

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Beisland, Leif Atle, Roy Mersland, and Trond Randøy. "The Association between microfinance rating scores and corporate governance: a global survey." International Review of Financial Analysis 35 (October 2014): 268–80. http://dx.doi.org/10.1016/j.irfa.2014.10.012.

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Munala, Daniel Ambundo, and Dr Julius Korir. "CONSTRAINTS TO GROWTH OF MICRO FINANCE INSTITUTIONS IN NAIROBI COUNTY, KENYA." International Journal of Finance 2, no. 1 (2017): 108. http://dx.doi.org/10.47941/ijf.45.

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Purpose:The purpose of this study was to determine the constraints to growth of micro finance institutions in Nairobi County, KenyaMethodology:The study adopted a descriptive survey research design to study the factors constraining the growth of the MFls. A census of all the 54 MFIs registered with the Association of Microfinance Institutions of Kenya AMFI was carried out. The informants for the study were drawn from the senior employees.Data was collected using questionnaires. Data obtained was analyzed using descriptive statistics by use of graphs and pie charts.Results: The study findings r

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Muhangi, Bernard Wakabi Muhangi, Professor BadarAlam Iqbal, and Dr Saturninus Kasozi Mulindwa. "The Mediation Effect of Competitive Advantage on Managerial Competencies-Financial Performance Nexus of Microfinance Institutions in Uganda." American Journal of Finance 10, no. 1 (2024): 13–32. http://dx.doi.org/10.47672/ajf.1775.

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Purpose: This study examined the mediating effect of competitive advantage in the relationship between managerial competencies and financial performance of Microfinance Institutions (MFIs) in Uganda. Materials and Methods: Adopting a cross-sectional design and a quantitative approach, the study covered 94 Ugandan microfinance institutions, which are members of the Association of Microfinance Institutions in Uganda (AMFIU) in all regions of Uganda. A sample size of 76 MFIs was utilized to collect questionnaire data. The mediating effect of competitive advantage was tested using Hierarchic

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Chand, Prakash Bahadur. "The Impact of microfinance on poverty reduction through women’s empowerment." Quantitative Economics and Management Studies 6, no. 2 (2025): 188–97. https://doi.org/10.35877/454ri.qems3864.

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This study investigates the impact of microfinance on women's empowerment and poverty reduction in Nepal's Kathmandu Valley. The research employs a mixed-methods approach, utilizing structured questionnaires with five-point Likert scales to collect data from 294 women participating in Self-Help Groups (SHGs), selected through purposive sampling. Descriptive and inferential statistical techniques, including Cronbach’s alpha reliability testing, ANOVA, regression, and correlation analysis, were applied to assess multidimensional outcomes. The results reveal that microfinance has the strongest po

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Quayes, Shakil, and Tanweer Hasan. "Financial disclosure and performance of microfinance institutions." Journal of Accounting & Organizational Change 10, no. 3 (2014): 314–37. http://dx.doi.org/10.1108/jaoc-12-2011-0067.

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Purpose – The purpose of this paper is to analyze the relationship between financial disclosure and the financial performance of microfinance institutions (MFIs). Design/methodology/approach – The paper utilizes ordinary least squares method to analyze the impact of disclosure on financial performance, an ordered probit model to investigate the possible effect of financial performance on disclosure and utilizes a three-stage least squares method to delineate the endogenous relationship between disclosure and financial performance of MFIs. Findings – The paper finds that better disclosure has a

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Allan-Blitz, Lao-Tzu, Rose Olson, and Quang Tran. "Assessment of Microfinance Interventions and Intimate Partner Violence." JAMA Network Open 6, no. 1 (2023): e2253552. http://dx.doi.org/10.1001/jamanetworkopen.2022.53552.

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ImportanceAn estimated 27% of ever-partnered women aged 15 to 49 years have experienced intimate partner violence (IPV) in their lifetimes, which has been associated with a wide range of both acute and chronic illness. Poverty is thought to be a major driver of IPV, and economic empowerment programs may reduce violence.ObjectiveTo evaluate whether microfinance interventions are associated with reductions in various forms of IPV.Data SourcesOn August 3, 2022, PubMed, CINAHL, Embase, Web of Science, EconLit, and 5 global health databases were searched from inception.Study SelectionIncluded studi

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Chapagain, Ramkrishna, and Rishikesh Aryal. "Microfinance Intervention and Livelihood Status: A Case of Gramin Bikash Bank Limited." Saptagandaki Journal 9 (August 26, 2018): 62–72. http://dx.doi.org/10.3126/sj.v9i0.20881.

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This paper attempts to focus on the impact of micro finance intervention on livelihood status of the people taking samples of 60 respondents of microfinance intervened and 60 non intervened population of Grameen Bikash Bank which lies on remote area of Pokhara, Leknath Metropolitan city and nearby VDCs. The study is based on the randomized control trial approach and data were collected through researcher administered questionnaire. Respondents were taken through stratified sampling. The research finds that microfinance intervention has association with occupational status, micro enterprise cre

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Singh, Vijeta, and Puja Padhi. "Factors Influencing Outreach Performance of Microfinance Sector in India." Asia-Pacific Journal of Management Research and Innovation 15, no. 4 (2019): 162–76. http://dx.doi.org/10.1177/2319510x19883705.

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In recent years microfinance institutions (MFIs) have been duly recognised as an important component of financial system as MFIs can facilitate the agenda of financial inclusion. MFIs provide unbanked and poor appropriately designed financial products and services. MFIs have addressed the issues concerning supply-side barriers 1 to financial inclusion by enhancing its outreach across the countries/regions. However, outreach performance of MFIs is affected by factors concerning MFIs such as age, size, profitability, efficiency, productivity and portfolio quality, which affect outreach (breadth/

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Darwis, Valeriana, Asma Sembiring, and Chairul Muslim. "Characteristic of Borrowers in Agribusiness Microfinance Institution Formed by the PUAP Program in Kendal Regency, Central Java-Indonesia." E3S Web of Conferences 444 (2023): 02006. http://dx.doi.org/10.1051/e3sconf/202344402006.

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Rural Agribusiness Development gives a 100 million business fund activity to a selected farmer group association. An Agribusiness Microfinance Institution is expected to manage the fund by providing a loan to its members. The priority of business is focused on the agricultural sector. However, in its development, an Agribusiness Microfinance Institution provides loans to the agricultural and non-agricultural sectors. The study’s objective is to observe the characteristic of Agribusiness Microfinance Institution’s borrower in Kendal Regency, Central Java-Indonesia. Kendal Regency was selected a

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