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Journal articles on the topic 'Institute of Microfinance'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Aslam, Mohammad, Senthil Kumar, and Shahryar Sorooshian. "Social Versus Financial Performance of Microfinance: Bangladesh Perspective." Research in World Economy 10, no. 3 (2018): 263. http://dx.doi.org/10.5430/rwe.v10n3p263.

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Microfinance is a tool designed for poverty alleviation by providing financial services more specifically small credit to the poor household for income generating activities. One of the better ways to help poor people for poverty alleviation is through giving them financial services that cannot be done in traditional banking system. However, there is a big question whether it is possible to provide those services for a financial institution without being sustainable financially. How far it can go with free lunch that is depending on donors’ fund. These two patterns place microfinance at the in

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2

Rusydiana, Aam S. "Sudah Sampai Manakah Riset Keuangan Mikro Syariah Kita?" JURNAL EKONOMI DAN PERBANKAN SYARIAH 6, no. 1 (2019): 5–26. http://dx.doi.org/10.46899/jeps.v6i1.85.

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This study tries to review the research around Islamic microfinance institution. It uses descriptive statistical analysis based on selected 100 journal publications or paper related to Islamic microfinance institution, both national and international journal. The entire sample journal publications have published for ten years from 2007 to 2016. The Results show that Islamic microfinance institute research is still dominated by the discussion about Islamic microfinance institution (54%), followed by eradication of poverty (25%), then financing the poor societies (11%) and the last is about mana

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Yudha, Syuhada Fela, Andri Soemitra, and Zuhrinal M. Nawawi. "Manajemen Resiko Bank Wakaf." Jurnal EMT KITA 7, no. 2 (2023): 362–72. http://dx.doi.org/10.35870/emt.v7i2.931.

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Financial institutions that function as financial intermediaries on a smaller scale are known as microfinance institutions. However, there are microfinance institutions that do not operate in this way, especially those that do not accept deposits from individuals. because they are social institutions that provide microfinance. They use money from the Indonesian Amil Zakat Institute and empower people who live near the pesantren by giving them loans with different akd and low wages or profit-sharing ratio (only 3%). Micro Waqf Bank is the name given to microfinance institutions. The purpose of

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Asenge, Emmanuel Lubem, Douglas Kumawuese Iortyom, and Nicholas Ajegba Abakpa. "Enterprise Risk Management Practices and Performance Microfinance Institutions in Makurdi Metropolis, Benue State Nigeria." Journal of Corporate Finance Management and Banking System, no. 36 (October 13, 2023): 38–48. http://dx.doi.org/10.55529/jcfmbs.36.38.48.

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The research explores the effect of enterprise risk management (ERM) on the performance of microfinance institutions in Makurdi Metropolis. The study particularly examines the effect of risk identification, risk assessment and risk mitigation on firm performance. The research employed a survey design. The targeted population consists of 42 management staff of seven microfinance banks within Makurdi Metropolis. The data obtained from the participants via self-administered questionnaire were analyzed with correlation and regression. The outcomes discovered that risk identification, risk assessme

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Dashnyam, Bayarmaa, Gerelt-Od Uvgunkhuu, and Burmaa Sosorbaram. "The Machine Learning Methods For Micro-Credit Scoring: The Case Of Micro-Financing In Mongolia." Eduvest - Journal of Universal Studies 4, no. 5 (2024): 4489–503. http://dx.doi.org/10.59188/eduvest.v4i5.1137.

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As a result of growing digital technologies in the financial sector, the traditional slow lending process is being replaced by fast and easy digital lending systems that can make decisions in real time. Both lenders and borrowers have experienced the benefits of digital lending, the activities of microfinance institutions have expanded rapidly and the volume of digital microloans has increased significantly worldwide, including Mongolia. At the same time with the growing volume of digital microloans in Mongolia, the rationality of credit risk management has been becoming more critical. Credit

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6

Jonathan, Fernaldi, Rahmat Mulyana, and Yuli Adam Prasetyo. "IT Governance Analysis and Design of Microfinance Institution Using COBIT 5 Framework Evaluate, Direct, Monitor (EDM) and Align, Plan, and Organize (APO) Domains (Case Study: PT Sarana Jabar Ventura)." International Journal of Innovation in Enterprise System 1, no. 01 (2017): 1–6. http://dx.doi.org/10.25124/ijies.v1i01.3.

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A microfinance institute (LKM/ Lembaga Keuangan Mikro) is a company that focuses in providing funds to small, early-stage, and emerging firms or small medium enterprises. A company that is engaged in financial sector and works under the surveillance of OJK/ FSA (Financial Service Authority) always has some questions whether this company really needs to implement IT Governance best practices or to what extent it does. The research in PT Sarana Jabar Ventura as one of the microfinance institutes using COBIT 5 framework for the domain of EDM (Evaluate-Direct-Monitor) & APO (Align-Plan-Organiz

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Yuniar, Gina Noviana, Hani Hanifah, and Bagdja Muljarijadi. "Model Management Zakat Productive for Mustahik Empowerment (Case Study: Rumah Amal Salman ITB and DPU Daarut Tauhid, Bandung, Indonesia)." AFEBI Islamic Finance and Economic Review 2, no. 02 (2018): 79. http://dx.doi.org/10.47312/aifer.v2i02.114.

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<p>There are various ways to reduce poverty, one through the distribution of zakat funds for economic empowerment of the poor. The distribution of zakat funds require Institute Amil Zakat (LAZ) are professional and focus on the allocation of zakat funds to productive sectors. By based on financial inclusion, LAZ has function as mediator between the one who gave zakat funds (muzzaki) with the one who received zakat funds (mustahik) hopefully can be an institution which increase productivity of mustahik<br />Analythic-method descriptive and comparation are used to seen the efeciency

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8

Jonathan, Fernaldi, Rahmat Mulyana, and Yuli Adam Prasetyo. "IT Governance Analysis and Design of Microfinance Institution Using COBIT 5 Framework Evaluate, Direct, Monitor (EDM) and Align, Plan, and Organize (APO) Domains (Case Study: PT Sarana Jabar Ventura)." International Journal of Innovation in Enterprise System 1, no. 01 (2017): 1. http://dx.doi.org/10.25124/ijies.v1i01.30.

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A microfinance institute (LKM/ Lembaga Keuangan Mikro) is a company that focuses in providing funds to small, early-stage, and emerging firms or small medium enterprises. A company that is engaged in financial sector and works under the surveillance of OJK/ FSA (Financial Service Authority) always has some questions whether this company really needs to implement IT Governance best practices or to what extent it does. The research in PT Sarana Jabar Ventura as one of the microfinance institutes using COBIT 5 framework for the domain of EDM (Evaluate-Direct-Monitor) & APO (Align-Plan-Organiz

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9

Burki, Ajab Khan, Aamir Sadiq, and Hanif Ullah Burki. "Financial sustainability and microfinance institutions from an emerging market." Risk Governance and Control: Financial Markets and Institutions 8, no. 4 (2019): 30–37. http://dx.doi.org/10.22495/rgcv8i4p4.

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The purpose of this paper is to estimate the determinants affecting Financial Sustainability (FS) of Micro Finance Institutions (MFIs) working in Pakistan. The determinants are based on financing charges, size of loans, the age of the firm, size of Microfinance Institute, and proportion of female borrowers. These variables discern the important contribution to the effective financial sustainability of Microfinance institutions working in Pakistan. Data were collected from 25 Microfinance Institutions of their annual reports from 2008-2015. The multiple regression technique was used to measure

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10

Jswd, Jswd, Muhammad Maaz Mohsin, Aliya Khalid, and Ibad Ullah Sajid. "An Analysis of Microfinance Organizations’ Performance in pertinence to Employee Welfare." JOURNAL OF SOCIAL WORK AND SUSTAINABLE DEVELOPMENT 1, no. 2 (2022): 32–40. http://dx.doi.org/10.52587/jswsd.v1i2.9.

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Microfinance institutions are apparently inclined towards the welfare of the general populace. In this mission, perhaps one of the major key roles in effective dissemination of pertinent services is played by the field workers of these organizations. The latter plays an integral part in the liaison between the microfinance institute and their client. It is a role laden with obstructions and demands rigorous commitment. However, in their diligent and perpetual zeal to disseminate funds amongst the destitute and less privileged portions of society, it seems that these Microfinance channels proba

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11

Hassan, Wisal, Muhammad Khan, and Zainullah. "The Determinants of the Social Performance in the Microfinance Institutions (A case study of India and Pakistan)." Journal of Business & Tourism 9, no. 02 (2024): 30–42. http://dx.doi.org/10.34260/jbt.v9i02.287.

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There are two main goals of the microfinance institutions, the financial stability and the social performance. The welfare’s model of the microfinance institutions states that microfinance institute should increase the social performance by increasing the number of active borrowers as well as should increase the average loan per borrowers to the needy people of the society. There are numerous determinants that are related with the social performance. The study's objective was to look at the aforementioned factors and how they affect social performance in Pakistan and India. The secondary sourc

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Chachaj, Benedict. "Applications of Information Systems and Microfinance in Nicaragua." Undergraduate Journal of Service Learning & Community-Based Research 3 (November 22, 2014): 1–4. http://dx.doi.org/10.56421/ujslcbr.v3i0.179.

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I was approached midway through my junior year at Fairfield University with a unique opportunity to take an Information Systems course headed by Dr. Vishnu Vinekar. This service learning class consisting of twelve students involved traveling to Nicaragua for a week in early January 2014. In collaboration with the Nitlapan Research and Development Institute of the Central American University (UCA) in Managua, we deliberated how to improve the business processes of this microfinance institution. This institution has been operating for twenty years, and works with a variety of organizations to he

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13

Azim, Mohammad I., Kuang Sheng, and Meropy Barut. "Combating corruption in a microfinance institution." Managerial Auditing Journal 32, no. 4/5 (2017): 445–62. http://dx.doi.org/10.1108/maj-03-2016-1342.

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Purpose Combatting corruption is an important social and commercial issue in most human societies. Many researchers have revealed how an effective anti-corruption practice can possibly minimise corruption in an organisation. However, studies focusing on organisations which are relatively successful in managing corruption at the employee level are relatively rare. On this note, this study aims to focus on Grameen Bank in particular, a Nobel-Prize-winning microfinance institute that was able to minimise its level of corruption among its employees in a country where corruption is the norm. Design

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14

Sodokin, Koffi. "Access to Microfinance Institutions and Official Banks and the Impact on Small Business in Togo." International Journal of Economics and Finance 14, no. 1 (2021): 46. http://dx.doi.org/10.5539/ijef.v14n1p46.

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This paper aims to analyze the impact of access to a microfinance institution and official banks on households&rsquo; small businesses in Togo. The study uses data from the Harmonized Survey of Household Living Conditions conducted in 2019 by the National Institute of Statistics, Economic and Demographic Studies on 27,480 individuals and 6,171 households in Togo. The paper uses propensity score matching. The results show that credit access improves households&rsquo; small businesses, particularly in Togo&rsquo;s agriculture sector.

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Sanurdi, Sanurdi. "Teori Percampuran dan Pertukaran." TASAMUH: Jurnal Studi Islam 11, no. 1 (2019): 71–85. http://dx.doi.org/10.47945/tasamuh.v11i1.173.

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This discourse studies sociologically a syariah-based microfinance institute (LKMS) which is usually known as BMT. By applying the framework of new institutionalism, this dissertation utilizes qualitative approach in its data collection. This dissertation chose LKMS in Cipulir, Jakarta and Banda Aceh as its object of study because of socio-cultural and economic differences of both regions. This dissertation found that the profit and loss sharing system at the LKMS is regarded hybrid as it was previously adopted from traditional institution and recontextualized in a new meaning and certain cond

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16

Hermawan, Hermawan, and Aries Heru Prasetyo. "Rancangan Sistem Manajemen Anti Penyuapan (ISO 37001:2016) Berbasis Manajemen Risiko." Jurnalku 2, no. 1 (2022): 1–15. http://dx.doi.org/10.54957/jurnalku.v2i1.120.

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Micro Madani Institute (MMI) is an affiliated company of PT. Permodalan Nasional Madani (Persero) which was formed to build and develop an education and training center in the field of microfinance in order to obtain reliable, professional and integrity human resources as well as to provide procurement, management, and development of quality human resources in the microfinance sector to support human resource needs of PT Permodalan Nasional Madani (Persero) as the parent company. The purpose of this paper is to find out the risk profile that has been identified in building the Anti-Bribery Man

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17

Jumpah, Emmanuel Tetteh, Emmanuel Kojo Tetteh, and Abdulai Adams. "Microcredit Repayment among Smallholder Farmers: What Microfinance Institutions Need to Know." Asian Journal of Agriculture and Rural Development 8, no. 2 (2018): 74–91. http://dx.doi.org/10.18488/journal.1005/2018.8.2/1005.2.74.91.

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Microcredit default among borrowers has been rising in recent years but empirical evidence to ascertain the factors determining repayment remain lacking especially in developing countries like Ghana. This study contributes to addressing this knowledge gap. The study used data of 224 microcredit borrowers from Ada West and Ada East districts to analyse factors determining repayment rate among smallholder farmer borrowers. Applying the logistic regression model, farmer and credit specific characteristics were used to analyse the determinants of microcredit repayment. From the logistic regression

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18

Dechenaux, Emmanuel, Aaron Lowen, and Andrew Samuel. "Bribery in subsidized credit markets: evidence from Bangladesh." Indian Growth and Development Review 7, no. 1 (2014): 61–72. http://dx.doi.org/10.1108/igdr-11-2011-0042.

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Purpose – The aim of this paper is to study the role of bribery in subsidized credit markets in developing countries. First, the authors use the data to test whether more productive borrowers will pay larger or smaller bribes since the theoretical literature offers conflicting findings regarding the relationship between the size of the bribe and the productivity of borrowers. Second, the authors test whether being eligible to borrow from a microfinance institution affects the frequency or the magnitude of the bribe paid when borrowing from a (non-microfinance) subsidized bank. Design/methodolo

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Schwittay, Anke F. "The financial inclusion assemblage: Subjects, technics, rationalities." Critique of Anthropology 31, no. 4 (2011): 381–401. http://dx.doi.org/10.1177/0308275x11420117.

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This article introduces financial inclusion as a global assemblage of subjects, technics, and rationalities that aim to develop poor-appropriate financial products and services. Microfinance forms the foundation, but also the boundary of the assemblage, which is premised on the assumption that the 2.7 billion poor people in the world who do not currently have access to formal loan, savings, and insurance products are in need of such offerings. The work of the Institute for Money, Technology and Financial Inclusion at the University of California, Irvine, with its emphasis on ethnographic resea

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20

Surmeneva, Ekaterina A. "Institute of Financial Commissioner as a Mechanism for Resolving Disputes in the Financial Market." Теория и практика общественного развития, no. 12 (December 27, 2023): 370–77. http://dx.doi.org/10.24158/tipor.2023.12.49.

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The article is devoted to the specifics of the activities of the Institute of financial commissioner in the aspect of dispute resolution in the financial market. The author analyzes statistical data reflecting quantitative indicators of consideration by the financial commissioner of consumer complaints against financial organizations in the context of individual segments of the financial market (insurance, consumer lending, microfinance, pawnshops and non-governmental pension funds). Indicators characterizing the institution of the financial commissioner as an effective mechanism for resolving

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Suryono, Suryono, Yani Istadi, Rahmawati S. Praptiningsih, Hudan Taufiq, Sukijan Athoillah, and Widiyanto Widiyanto. "Global Halal Center - Unissula mengabdi untuk menyelamatkan umat melalui penyusunan istrumen Muslim Friendly." Indonesian Journal of Community Services 1, no. 1 (2019): 1. http://dx.doi.org/10.30659/ijocs.1.1.1-15.

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AbstrakIndonesia adalah negara dengan mayoritas penduduk beragama Islam, dengan jumlah lebih dari 87 % total penduduknya. Jumlah yang tidak kecil ini merupakan sasaran yang harus diselamatkan dari fasilitas pelayanan barang dan jasa yang merugikan dari sisi peribadatan mereka. Memberikan jaminan aman dari sisi penyedia jasa adalah langkah yang akan ditempuh oleh pusat studi Global Halal Center-UNISSULA(PS GHCU), melalui upaya penciptaan instrumen Muslim Friendly berbagai sektor jasa. Tujuan dari aktifitas yang dilakukan oleh GHCU adalah membuat instrumen yang bisa digunakan untuk mengkualifika

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Cantika, Sri Budi. "OPTIMALISASI PERAN WAKAF DALAM PEMBERDAYAAN USAHA MIKRO, KECIL DAN MENENGAH (UMKM)." Journal of Innovation in Business and Economics 6, no. 1 (2015): 1. http://dx.doi.org/10.22219/jibe.vol6.no1.1-16.

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The potential of Zakat, Infaq, Shodaqoh (ZIS), and Waqaf (endowments) to help society economic improvement are very important, yet the role of Islamic Finance Institution, as the executing agency that administer these four pious deed, were still not optimal yet. This article reveals the important role of Endowments in assisting the empowerment of Micro, Small, and Medium Enterprises (MSMEs) which is one of the strengths in poverty alleviation, employment creation and increase the strength of family income. Waqaf (endowments) Management Institute, an organization that empowers MSMEs through mic

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Ashraf, Mohammad Ali. "Theory of Boundedly Rational Planned Behavior: A New Model." Zagreb International Review of Economics and Business 26, no. 1 (2023): 1–28. http://dx.doi.org/10.2478/zireb-2023-0001.

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Abstract The prime intent of this article is to propose a new model in the paradigm of behavioral and business economics. To attain this objective, the study modifies a famous behavioral model of the Theory of Planned Behavior (TPB), which is based on the generalized unbounded rationality of neoclassical economics in dictating actual human behavior. Based on the idea of bounded rationality expounded by Herbert A. Simon, TPB has been modified by replacing intention variable with bounded rationality as the antecedent of actual behavior. The new model has been tested collating data collected from

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Saba, Nasir, and Sharif Saima. "Islamic Banking and Finance: Current Developments and its Future Prospects." Journal of Policy Research 8, no. 1 (2022): 31–44. https://doi.org/10.5281/zenodo.6451521.

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The study focuses on IBP and finance in Pakistan, its current tendencies and future prospect s. It has experienced phenomenal growth. SBP wants to grow a moderate and best IBS which is viable with the worldwide financial organization, giving creative Shariah agreeable goods and services in order to accomplish even handed economic development. Currently IBs are offering various Sharia compliant Islamic modes of financing including Murabaha, Musawamah, Mudaraba, Musharaka, Ijarah, Salam, Istisna, Wakala and Islamic Export Refinance. The study determines that the future of Islamic banking is very

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Ahmar, Nurmala, Diah Ekaningtyas, and Nanang Shonhadji. "Implementasi Industri 4.0 dan Aplikasi Lamikro Untuk Entitas Mikro, Kecil, dan Menengah." CAPACITAREA : Jurnal Pengabdian kepada Masyarakat 1, no. 01 (2020): 12–23. http://dx.doi.org/10.35814/capacitarea.v1i01.1341.

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Abstrak Revolusi industri bukan hanya dari sisi teknologi mesin tetapi juga berkembang ke teknologi informasi, seperti internet dan aplikasi. Usaha mikro berkembang pesat seiring perkembangan teknologi. Kementerian Koperasi dan Usaha Kecil Menengah (Kemenkop UKM) melansir sebanyak 3,79 juta usaha mikro, kecil, dan menengah (EMKM) sudah memanfaatkan platform online dalam memasarkan produknya. Jumlah ini berkisar 8 persen dari total pelaku EMKM yang ada di Indonesia, yakni 59,2 juta. Mendukung perkembangan tersbut Ikatan Akuntan Indonesia menerbitkan Standar Akuntansi Entitas Menengah Keci

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Ahmar, Nurmala, Diah Ekaningtyas, and Nanang Shonhadji. "Implementasi Industri 4.0 dan Aplikasi Lamikro Untuk Entitas Mikro, Kecil, dan Menengah." CAPACITAREA : Jurnal Pengabdian kepada Masyarakat 1, no. 01 (2020): 12–23. http://dx.doi.org/10.35814/capacitarea.2021.001.01.2.

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Abstrak Revolusi industri bukan hanya dari sisi teknologi mesin tetapi juga berkembang ke teknologi informasi, seperti internet dan aplikasi. Usaha mikro berkembang pesat seiring perkembangan teknologi. Kementerian Koperasi dan Usaha Kecil Menengah (Kemenkop UKM) melansir sebanyak 3,79 juta usaha mikro, kecil, dan menengah (EMKM) sudah memanfaatkan platform online dalam memasarkan produknya. Jumlah ini berkisar 8 persen dari total pelaku EMKM yang ada di Indonesia, yakni 59,2 juta. Mendukung perkembangan tersbut Ikatan Akuntan Indonesia menerbitkan Standar Akuntansi Entitas Menengah Keci

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Juliot Mpabe Bodjongo, Mathieu, Guy Christol Ekane Ekome, and Fanny Kabwe Omoyi epse Essomme. "Analysis of the gap in enterprise access to renewable energy between rural and urban areas in Cameroon." Environmental Economics 12, no. 1 (2021): 39–52. http://dx.doi.org/10.21511/ee.12(1).2021.04.

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Permanent access to energy is an essential pillar of economic development. However, there is a growing evidence that contemporary energy systems are not able to provide energy to the entire population on a sustainable basis and at affordable prices. In the face of these challenges, renewable energy can play an important role, especially in rural areas where access to centralized electricity grids is difficult. This paper aims to examine the access gaps of enterprises to renewable energy between rural and urban areas in Cameroon. The analysis is based on a sample of 209,482 enterprises, taken f

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Chala, Merera, Galmessa Ulfina, Olkeba Abebe, Fita Lemma, and Abegaz Solomon. "Short Note on Dairy Technology Transfer and Community Services: The case of Provision of Improved Dairy Technologies for Low Income Women around Ambo Town." Journal of Science and Sustainable Development 1, no. 2 (2013): 87–93. https://doi.org/10.20372/au.jssd.1.2.2013.019.

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The overall objectives of dairy technology transfer project were to demonstrate the improved dairy technologies and strengthen gender involvement in dairy production that enhances the income sources of low income women around Ambo town. For demonstration purpose, low income women were selected for the project and training was given by different expertise on the improved dairy technologies and dairy products handling, processing and marketing. Along with pregnant Friesian-Horro crossbred heifers; improved forages and health services were given as full dairy technology package. Credit servi

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Humaidi, Muchtim, Syamsuri Syamsuri, and Farah Khoirunnisa. "The Role of Cash Waqf Linked Sukuk based on Mudarabah Contract (Trustee-Partnership) as MSME Capital Solution." El Barka: Journal of Islamic Economics and Business 6, no. 1 (2023): 108–31. http://dx.doi.org/10.21154/elbarka.v6i1.3550.

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This study tries to present a capital solution for MSMEs through the Cash Waqf Linked Sukuk instrument with a mudharabah contract. When viewed from Mandiri Institute data in June 2021 regarding the causes of MSMEs closing their businesses, the main factor was caused by business capital problems with the highest percentage of respondents, namely 45%. Based on these problems, waqf is considered the best mechanism for funding MSME projects. Moreover, waqf has been growing and giving birth to new innovations, namely the Cash Waqf Linked Sukuk (CWLS) program. It can be seen from the increase in the

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Tunio, Ghazala. "Performance of Microfinance Providers in Sindh, Pakistan: A Study of Formal and Informal Microfinance Institutes." IBT Journal of Business Studies 16, no. 1 (2020): 151–70. http://dx.doi.org/10.46745/ilma.jbs.2020.16.01.11.

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This research aims to analyze the performance of microfinance providers of the Sindh province of Pakistan. For this purpose, the formal and informal microfinance institutes were selected. Data was gathered from a sample of 150 managers of microfinance banks and institutions. In this research, the random sampling technique is used to collect the data through questionnaires. The OLS regression model is employed to analyze the data. The results of this study show that the number of branches, and less number of defaulters significantly affect the performance of microfinance institutes in Sindh, Pa

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Mitrofanova, Inna, and Tatiana Ivanova. "Regional Development Institutions: Status and Effectiveness (On the Example of Small and Medium-Sized Enterprises in the Regions of Southern Russia)." Vestnik Volgogradskogo gosudarstvennogo universiteta. Ekonomika, no. 3 (October 2023): 51–64. http://dx.doi.org/10.15688/ek.jvolsu.2023.3.5.

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The article considers the state and evaluation of the effectiveness of regional development institutions in the field of small and medium-sized enterprises. The relevance and novelty of the research are connected with the process of reforming the institute of development at the federal level – the SME Corporation – and related changes in the regions in the context of the implementation of the national project “Small and Mediumsized Enterprises and Support for Individual Entrepreneurial Initiatives,” as well as the digitalization of the economy. The methodology of the study was a cumulative-com

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Stoyanov, Todor. "Credit and Forestry Cooperatives in Bulgaria: Historical Development, Economic Rule and Legal Framework and their Contribution to Sustainable Development of Rural and Forestry Regions." South Asian Journal of Social Studies and Economics 22, no. 8 (2025): 57–70. https://doi.org/10.9734/sajsse/2025/v22i81102.

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This study examines the emergence, development and contemporary role of credit cooperatives in Bulgaria, focusing on their contribution to the sustainable development of rural and forest areas. For the analysis, there are used the literature on the subject, the legal acts of the Republic of Bulgaria regulating the activity of credit co-operatives, the European legislation, regulations in the research area, data from the National Statistical Institute and from different Bulgarian Ministries, reports and materials of the World Council of Credit Unions (WOCCU). A brief historical overview of the

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Islam, Reazul, Mohd Aminul Karim, and Rubi binti Ahmad. "FORCED LOAN-RECOVERY TECHNIQUE OF THE MICROFINANCE INSTITUTES IN BANGLADESH AND ITS IMPACT ON THE BORROWERS: AN EMPIRICAL STUDY ON GRAMEEN BANK, BRAC AND ASA." Journal on Innovation and Sustainability. RISUS ISSN 2179-3565 9, no. 3 (2018): 75. http://dx.doi.org/10.24212/2179-3565.2018v9i3p75-93.

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This paper presents the consequences of ‘forced loan-recovery’, which is an unconstitutional technique allegedly practiced by most of the microfinance institutes (MFIs) in Bangladesh. An empirical study was carried out on the borrowers of three leading microfinance institutes namely, Grameen Bank (GB), BRAC and ASA. Data were collected from two poverty-plagued villages namely, Uttar Islampur and Ruhitpur of Munshiganj district. The mixed research methods were applied. Findings of this study demonstrate that most of the borrowers experience assorted problems on the day of loan repayment. If the

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Anurudha, Gishan Illangakoon, M. Ferdous Azam S., and Amril Jaharadak3 Adam. "Impact of Risk Management towards Sustainability of Microfinance Industry in Sri Lanka: A Case Study." International Journal of Social Sciences and Economic Review 3, no. 4 (2021): 01–07. https://doi.org/10.36923/ijsser.v3i4.117.

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<strong>Purpose of the study</strong>: The microfinance industry has been developed significantly last two decades. It is fast becoming a household name globally and one of the key contributors to social-economic development. The Sustainability of the microfinance industry depends on several factors and encounters numerous challengers. The purpose of the study is to examine whether there is a relationship between risk management and the sustainability of the microfinance industry in Sri Lanka. <strong>Methodology:</strong> A simple regression analysis is used to demonstrate a connection in whi

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Al-Mubarak, Tawfique. "Going 'Beyond Microfinance': Enhancing Islamic Microfinance Programmes in Bangladesh." ICR Journal 5, no. 1 (2014): 111–21. http://dx.doi.org/10.52282/icr.v5i1.425.

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Microfinance programmes have been operating in Bangladesh since the early seventies. With the Bangladesh Rural Advancement Committee (BRAC) and the Grameen Bank (GB) as the pioneers, many other Non Governmental Organizations (NGOs) and Microfinance Institutes (MFIs) have grown up to provide banking services to the ‘bankless’ poor of the society. Most of these MFIs disburse cash loans, and in most cases at a high rate of interest. Of course, interest as riba is among the gravest of prohibitions in Islam. Besides, a majority of the clients who take such microfinance loans often live below the po

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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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Ashta, Arvind. "News and Trends in Fintech and Digital Microfinance: Why Are European MFIs Invisible?" FIIB Business Review 7, no. 4 (2018): 232–43. http://dx.doi.org/10.1177/2319714518805183.

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European microfinance suffers from a visibility deficit. It is rarely mentioned in the media. Our research question is ‘Why does European microfinance suffer from a lack of visibility in the press?’ This study looked at news reports and press releases over a 18-month period (2016–2018) to check if European microfinance and its innovations were in the news. The study finds that, indeed, there are a lot of new innovations in finance. But, first, in Europe, the highly talked about fintech innovations are taking place outside of microfinance institutions (MFIs). Second, the innovations that are ta

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HOSSAIN, MD ALAMGIR, MOHAMMAD ABDUL MALEK, and ZHENGFEI YU. "Impact of Rural Credit on Household Welfare: Evidence from a Long-Term Panel in Bangladesh." Asian Development Review 40, no. 02 (2023): 363–97. http://dx.doi.org/10.1142/s0116110523500166.

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Using 791 consistent households in the balanced panel, comprising 3,985 households in the unbalanced panel–from a nationally representative, multipurpose, five-round (1988, 2000, 2004, 2008, and 2014) Mahabub Hossain Panel Data in Bangladesh—we provide evidence for the long-term impact of different rural credit sources—which include formal banks, quasiformal microfinance institutes, and informal channels—on household welfare indicators. We find that the long-term impact of access to rural credit on a few welfare indicators is statistically insignificant and sometimes negative. This finding mos

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Summaira, Malik, Mustafa G, Anwar A, and Iqbal A. "Assessing the Impact of Microfinance Services at Individual Level: A Comparative Study of Women Empowerment in Pakistan." Indian Journal of Science and Technology 13, no. 27 (2020): 2700–2710. https://doi.org/10.17485/IJST/v13i27.837.

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Abstract <strong>Background/Objectives:</strong> Some recent studies have empirically proved that micro-finance schemes launched for women empowerment have failed to attain their required goals as women are just used as a tool to get loans; In this context, the present study is undertaken to verify the usefulness of microcredit for women empowerment in Pakistan. <strong>Methods/Statistical analysis:</strong> Quantitative approach is used to assess the impact of microfinance loan services on women economic empowerment and to see whether members of microfinance institutes are equa

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Bin, Anyekezeh Kum-Ngong. "The Interrelation between Corporate Governance Practises and the Financial Performance of Microfinance Institutions in CEMAC." Advances in Social Sciences Research Journal 11, no. 11 (2024): 154–72. https://doi.org/10.14738/assrj.1111.17896.

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This study aims to examine the relationship between corporate governance tools—specifically board size, board gender diversity, capital structure, ownership structure, and audit—and financial performance of microfinance institutions as measured by Return on Assets (ROA) and Operational Self-Sufficiency (OSS). Quantitative data is employed to identify the relationship between the variables. A dataset comprising forty-four microfinance institutes extracted from the Mix Market database for the period 2000 to 2021 is utilised. The research identified correlations between Microfinance Institutions’

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Kilamlya, Jacob, and Dickson Utonga. "The Efficacy of VICOBA Intervention in Alleviating Poverty in Emerging Economies: A Study of the ORGUT SEDIT VICOBA Lending Scheme Project in Morogoro, Tanzania." American Journal of Applied Statistics and Economics 3, no. 1 (2024): 92–98. http://dx.doi.org/10.54536/ajase.v3i1.2616.

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Microfinance institutions have emerged as crucial agents in the fight against poverty, particularly in emerging economies. Despite debates about their effectiveness, microfinance interventions have contributed positively to socio-economic conditions, improving livelihood access. Recognising the importance of the microfinance subsector, Tanzania has instituted tools to foster financial inclusion. The Village Community Banks (VICOBA) are an example of these efforts, aiming to empower marginalised communities through financial inclusion and access to credit. This study assesses the effectiveness

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Kusum Mukherjee, Arghya. "Microfinance and credit to the ultra poor." International Journal of Social Economics 41, no. 10 (2014): 975–93. http://dx.doi.org/10.1108/ijse-03-2013-0064.

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Purpose – The purpose of this paper is to see whether Government of India is successful to make credit accessible to the poor; to examine the role of competition in microfinance sector in ensuring credit to the ultra poor borrowers; to see the role of subsidy in microfinance movement. Design/methodology/approach – The paper is based on secondary data. This paper examines, in an analytical framework with a variety of assumptions, the role of microfinance institutes (MFIs) in bringing capital to the ultra poor. Findings – In an attempt to make credit accessible to the poor, Government of India t

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Illangakoon, Gishan. "Risk Management and Performance of Microfinance Industry." South Asian Journal of Social Studies and Economics 21, no. 3 (2024): 1–17. http://dx.doi.org/10.9734/sajsse/2024/v21i3779.

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Purpose: The purpose of this study was to understand the significance of the relationship between risk management and sustainability of the microfinance industry. Furthermore, how does effective risk management could be used towards sustainable growth in microfinance. The findings of the study revealed that there is a positive relationship between risk management and sustainability of microfinance industry. Design /Methodology/Approach: The study was conducted in three administrative districts in Sri Lanka, using 376 MF female borrowers, who represent from different businesses. The clust

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Iqbal, Kazi. "How Competitive is the NGO-MFI Market? Evidence from Two Districts of Bangladesh." Journal of Bangladesh Studies 16, no. 1-2 (2014): 25–41. https://doi.org/10.1163/27715086-0160102004.

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The microfinance institutions in Bangladesh have evolved over time in terms of coverage, product design, pricing and also source of finance. This study asks if the competition among Microfinance Institutes (MFIs) has any role in the evolution of this sector. Using branch level information of the MFIs in two districts—Rangpur and Lalmonirhat, we show that there are indications for competition in all three spaces — location, product and price. Estimation results indicate that as the number of MFIs increases in a union (and also in the bordering unions), an MFI tends to i) locate their branch in

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Kaur, Jaskiran. "Procedure and Products offered by Microfinance Supporting Institutes offering benefits to Women." International Journal for Research in Applied Science and Engineering Technology 7, no. 4 (2019): 1540–47. http://dx.doi.org/10.22214/ijraset.2019.4279.

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Ziauddin Iqbal, Md. "COVID-19 AND RESILIENCE OF MICROFINANCE PROGRAM IN BANGLADESH." International Journal of Advanced Research 10, no. 01 (2022): 305–7. http://dx.doi.org/10.21474/ijar01/14046.

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Bangladesh is the pioneer of microfinance in the globe. Last few decades, the microfinance programs of Bangladesh took a strong institutional shape and it also diversified with changing demand of poverty-stricken people over the time. As Bangladesh has achievedremarkable success in microfinance with sustainability, a few of models of poverty elimination have been replicated in different countries of the world. On the other hand, as a disaster-prone countryBangladeshs Microfinance Institutes (MFIs) have demonstrated proven and outstanding capabilities in dealing with natural disasters and other

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Ahmad, Adnan, Muhammad Ilyas, and Muhammad Nisar Khan. "Growth and Productivity Analysis of Micro Finance Sector: A Case Study of Pakistan." Global Social Sciences Review IV, no. III (2019): 71–79. http://dx.doi.org/10.31703/gssr.2019(iv-iii).10.

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This study reviews the growth strategies and their effect on the efficiency and productivity of the microfinance sector of Pakistan. The sector needs to have adopted intensive growth strategy instead of extensive strategies of wide expansion in term of physical infrastructure and human resources, which had increased the financial sustainability risks for the credit constrain institutions. The sixdimension model of outreach used in this study also shows that the sector does not achieve the targets set forth for these micro finance institutes with respect to its active borrowers’ outreach. The s

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Adnan, Ahmad. "Growth and Productivity Analysis of Micro Finance Sector: A Case Study of Pakistan." Global Social Sciences Review 4, no. 3 (2019): 71–79. https://doi.org/10.31703/gssr.2019(IV-III).10.

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This study reviews the growth strategies and their effect on the efficiency and productivity of the microfinance sector of Pakistan. The sector needs to have adopted intensive growth strategy instead of extensive strategies of wide expansion in term of physical infrastructure and human resources, which had increased the financial sustainability risks for the credit constrain institutions. The sixdimension model of outreach used in this study also shows that the sector does not achieve the targets set forth for these micro finance institutes with respect to its active borrowers’ outreach.

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KAMRAN, Hafiz Waqas, and Abdelnaser OMRAN. "Role of Microfinance in Mitigating Disasters in Pakistan." Journal of Environmental Management and Tourism 14, no. 1 (2023): 150. http://dx.doi.org/10.14505/jemt.14.1(65).14.

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The study is aimed at exploring the usage of microfinance and related services to mitigate the effect of natural disasters and risk, both at community and industry level in the current Pakistani context. For this purpose, overall work is carried out based on the various strategies adopted by the Micro Finance Institutes MFIs specifically disaster loan funds, disaster preparedness, designing of new products, sustainability of MFIs through post-disaster approaches. It also provides the evidence to recognize the MF roles within disaster risk reduction and mitigation measures. Along with the risk

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Ngum N., Mrs Parveen. "Social Performance Vs Financial Performance of Microfinance Institutes (MFIs) In Cameroon: Case of MFIs Affiliated to Mutelles Communautaires de Croissance (MC²)." International Journal of Scientific Research and Management 10, no. 07 (2022): 3697–12. http://dx.doi.org/10.18535/ijsrm/v10i7.em05.

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Microfinance is a means of the struggle against poverty in developing countries like Cameroon through financing activities that generate incomes for poor households. The issue regarding the best way to provide financial services to the poor has fuelled intensive debates between two different schools of thought: Institutionalists and Welfarists. This debate faces two requirements of microfinance: Targeting the poorest among the poor (social performance) and enhancing the profitability of the institution (financial performance). The main objective of this paper is to asses if there is mutuality

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