Academic literature on the topic 'Microfinance Bank'

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Journal articles on the topic "Microfinance Bank"

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Musanganya, Isabelle, Chantal Nyinawumuntu, and Pauline Nyirahagenimana. "THE IMPACT OF MICROFINANCE BANKS IN RURAL AREAS OF SUB-SAHARAN AFRICA." International Journal of Research -GRANTHAALAYAH 5, no. 9 (2017): 80–90. http://dx.doi.org/10.29121/granthaalayah.v5.i9.2017.2201.

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Many researchers consider microfinance as a tool for poverty reduction. Even more, especially in post-conflict African countries, micro-financial institutions are seen as an opportunity of reconciliation. Lending from microfinance institutions to that from traditional banks and examine their respective effects upon economic growth has been practiced in some sub-Saharan countries. Considerable progress in research has been found that microfinance loans raise growth comparatively to that of traditional banks. A lot of number of researches carried out in sub-Saharan countries even in other develo
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Isabelle, Musanganya, Nyinawumuntu Chantal, and Nyirahagenimana Pauline. "THE IMPACT OF MICROFINANCE BANKS IN RURAL AREAS OF SUB-SAHARAN AFRICA." International Journal of Research - Granthaalayah 5, no. 9 (2017): 80–90. https://doi.org/10.5281/zenodo.999246.

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Many researchers consider microfinance as a tool for poverty reduction. Even more, especially in post-conflict African countries, micro-financial institutions are seen as an opportunity of reconciliation. Lending from microfinance institutions to that from traditional banks and examine their respective effects upon economic growth has been practiced in some sub-Saharan countries. Considerable progress in research has been found that microfinance loans raise growth comparatively to that of traditional banks. A lot of number of researches carried out in sub-Saharan countries even in other develo
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Aperebo, Stephen Eneye, Iteire Curtis Abighe, and Eze Sergius Emeka. "Microfinance Banking and Financial Inclusion in Nigeria." International Journal of Research 12, no. 3 (2025): 228–49. https://doi.org/10.5281/zenodo.15013844.

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<em>This study examines the influence of microfinance banking on financial inclusion in Nigeria from 2006 to 2021.&nbsp; The precise goals are to: examine the relationship between microfinance banks&rsquo; interest rate and financial inclusion in Nigeria; examine if the number of microfinance bank branches affect financial inclusion in Nigeria in Nigeria.&nbsp; Financial inclusion as the dependent variable was measured using bank loans to rural regions and deposits from rural regions. While microfinance banking was measured with microfinance bank interest rate, number of microfinance bank bran
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Dr., Ogbonna Udochukwu Godfrey. "Impact of Micro Finance Banks on Developing Economies– Evidence from Nigeria." Journal of Economics, Finance and Management Studies 5, no. 04 (2022): 1147–58. https://doi.org/10.5281/zenodo.6479197.

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This research concentrated on impact of micro finance banks on developing economies &ndash;evidence from Nigeria. The recent emphasis on micro, small and medium enterprises, and the licensing of microfinance bank in Nigeria viz-a-vis the dwindling economy of developing countries prompted this study. The data for the study was mined from the Central Bank of Nigeria&rsquo;s statistical bulletin from 1992 to 2020. The E-view tool of analysis, and the Autoregressive Distributed Lag model were used. The research answered a question of whether microfinance banks contribute to economic growth or not.
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Mohammad, Khalil Ullah, and Noor Ul Haya Adnan. "The Impact of Indirect Competition on Bank Net Interest Margins: Microfinance Evidence from Pakistan." iRASD Journal of Economics 4, no. 1 (2022): 55–68. http://dx.doi.org/10.52131/joe.2022.0401.0060.

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The study aims to investigate the impact of growth in microfinance initiatives on the net interest margins of commercial banks in Pakistan. Using data from the world bank MIX database and Thomson Reuters, we conducted a GLS random effect estimation on an unbalanced panel of Pakistani banks from 2010 to 2018. We find that credit quality, solvency, bank size, earning asset diversification, and market concentration impact banks' net interest margins. In addition, we find growth in development finance institutions to significantly affects commercial bank margins. Microfinance institutional growth
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Adurayemi, Adu Cecilia, and Uchehara Chris Chigo. "Microfinance Bank's Loans and Micro, Small and Medium Enterprises Financial Performance in Ota Town Ogun State." Microfinance Bank's Loans and Micro, Small and Medium Enterprises Financial Performance in Ota Town Ogun State 1, Vol. 1 No. 4 (2023): December 2023 (2024): 18. https://doi.org/10.59890/ijmbi.v1i4.1074.

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This study evaluated the effect of microfinance bank&rsquo;s loans on the micro, small and medium scale enterprises financial performance in Ota. The population of the study was five (5) micro, small and medium scale enterprises who were customers of Covenant Microfinance Bank. &nbsp;Regression analysis was used to analyze the two hypotheses. It was found out that microfinance bank&rsquo;s loans have positive and significant relationship with the financial performance of (MSMEs). It was recommended that microfinance banks should give more loans to (MSME) in order to improve their return on ass
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Esther Ojone, Joseph. "Religious Importance of Microfinance Bank: A Christian Perspective." International Journal of Scientific and Management Research 06, no. 07 (2023): 50–70. http://dx.doi.org/10.37502/ijsmr.2023.6704.

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In the age of globalisation and increasing global disparity between the rich and poor, the world has seen the rise of a new and celebrated poverty-fighting strategy in the past decades. Microfinance banks provide financial services to poor entrepreneurs, most commonly small loans to help poor individuals start or grow small businesses. Previous studies on microfinance banks have majorly tilted towards its economic, sociological and psychological perspectives with insignificant attention paid to its religious importance. This research work is undertaken to examine the importance of religion to
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Florence, Ngenyuko Faustin, and Pastory Dickson. "Determinants of Credit Risk Management on Profitability: A Panel Analysis of Microfinance Banks in Tanzania." International Journal of Management, Accounting and Economics 12, no. 2 (2025): 289–310. https://doi.org/10.5281/zenodo.14968960.

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This study investigated the determinants of credit risk management and their impact on the profitability of selected microfinance banks in Tanzania, specifically focusing on Access Microfinance Bank, FINCA Microfinance Bank, and Maendeleo Microfinance Bank. The primary objectives were to assess how non-performing loans (NPLs), capital adequacy ratio (CAR), leverage (LEV), and bank size influenced return on assets (ROA) and return on equity (ROE). A quantitative approach with a panel data design covering the period from 2014 to 2023 was employed, utilizing a census sampling technique to encompa
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Afolabi, Adeoye Amuda. "Microfinance bank and entrepreneurship development in an emerging market." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 56–65. http://dx.doi.org/10.22495/rcgv6i4art8.

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We determine how Microfinance Banks (MFBs) impacts on entrepreneurship development in Nigeria. Data were collected through structured interview from entrepreneurs, Microfinance Bank managers and Regulators. The finding revealed that non-financial services of Microfinance Banks contribute to the survival of entrepreneurs and there is indication that Microfinance Banks enhance the productivity of entrepreneurship. This finding supports the evidence from the Central Bank of Nigeria (CBN) that there is an increase in total assets, Investment and Deposit Liabilities of MFBs in recent times. Beside
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Karna, Poonam Kumari Labh. "Impact of Microfinance on Small Business Growth and Economic Development in Low-Income Communities." Mikailalsys Journal of Advanced Engineering International 2, no. 1 (2025): 110–17. https://doi.org/10.58578/mjaei.v2i1.4977.

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Microfinance provides small loans, savings accounts, and financial education to low-income communities. It promotes entrepreneurship, small business growth, and economic development. Its efficacy is disputed, with regional results varying. Microfinance's benefits, drawbacks, and future possibilities for small enterprises are examined in this article. Microfinance empowers women by expanding financial independence and employment engagement beyond economic inclusion. Microfinance Institutions (MFIs) provide lending, savings, and insurance to low- to moderate-income individuals and small companie
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Dissertations / Theses on the topic "Microfinance Bank"

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Verryn, Annette. "Towards sustainable microfinance: The case of Capitec Bank and Grameen Bank." Master's thesis, Faculty of Commerce, 2015. http://hdl.handle.net/11427/30219.

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This thesis investigates the level of sustainability of two microfinance institutions (MFIs): Grameen Bank of Bangladesh and Capitec Bank of South Africa. Data from 2004 to 2013 is used in this study employing internationally accepted sustainability criteria, namely, the Small Enterprise Education and Promotion (SEEP) 2010 Microfinance Financial Reporting Standards (MFRS) and the SEEP Framework of 2005. The results of this study indicate that although the operations of both microfinance institutions are sustainable, Capitec Bank exhibits a higher level of sustainability as compared to Grameen
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Apiri, Tonye Richard. "Loan performance and default rate of financing SME's by microfinance bank: a case study of Accoin Microfinance Bank PLC." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/95646.

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Thesis (MDF)--Stellenbosch University, 2013.<br>This study examines the default rate and performance of Microfinance bank (MFBs) loans to Small and Medium Enterprises (SMEs) in Nigeria based on the case study of Accion Microfinance Bank Limited (AMFB), Lagos State. Responses from 150 employees of AMFB revealed that the causes of default rate and performance of SMEs reflect the risk and vulnerability of the SME sector in Nigeria. It further showed that MFBs apply stringent credit criteria in granting loans to SME borrowers, coupled with the existing high cost of funds. The attitude, lack of tra
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Owolabi, Oluwatomi Ehagbor. "Microfinance and poverty reduction in Nigeria : a case study of LAPO Microfinance Bank." Thesis, University of Leeds, 2015. http://etheses.whiterose.ac.uk/10016/.

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From a contextual and service users’ perspective, this thesis investigates the poverty reducing effect of microfinance including the implementation processes and features of microfinance. Poverty is in this study conceptualised as ‘capability deprivation’ so that poverty reduction is achieved through improved capabilities for the poor. The literature review on microfinance begins with an attempt to locate the reasons for microfinance within the context of the finance-development and credit rationing literature. It also recognises the institutional-based approach to understanding the exclusion
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Harraf, Omid. "Can microfinance eradicate poverty? analysis of the efficacy of microfinance using existing literature /." abstract and full text PDF (free order & download UNR users only), 2008. http://0-gateway.proquest.com.innopac.library.unr.edu/openurl?url_ver=Z39.88-2004&rft_val_fmt=info:ofi/fmt:kev:mtx:dissertation&res_dat=xri:pqdiss&rft_dat=xri:pqdiss:1456489.

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Oguntoyinbo, Mojisola. "Credit risk assessment of the microfinance industry in Nigeria : an application to Accion Microfinance Bank Limited (AMFB)." Thesis, Stellenbosch : Stellenbosch University, 2011. http://hdl.handle.net/10019.1/21643.

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Thesis (MDF)--Stellenbosch University, 2011.<br>The research report provides a credit risk assessment and evaluation of Accion Microfinance Bank Limited (AMFB) for the period 2006 to 2010, using Morgan Stanley’s methodology for analysing the credits and performance ratings of microfinance institutions (MFIs). Since MFIs are set up to provide credit and other financial services to the poor, financially underserviced segment of the society, and since the credit support granted to such micro businesses usually lacks collateral, it is imperative that the management of such credit services be
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Kelemen, Shanti. "Measuring development at the World Bank: the case of microfinance." Thesis, Boston University, 2006. https://hdl.handle.net/2144/27687.

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Boston University. University Professors Program Senior theses.<br>PLEASE NOTE: Boston University Libraries did not receive an Authorization To Manage form for this thesis. It is therefore not openly accessible, though it may be available by request. If you are the author or principal advisor of this work and would like to request open access for it, please contact us at open-help@bu.edu. Thank you.<br>2031-01-02
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Moeung, Makara. "Integrated micro-finance a banking and financial management model for grassroots entrepreneurial development in Cambodia /." Swinburne Research Bank, 2009. http://hdl.handle.net/1959.3/48729.

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Thesis (PhD) - Faculty of Business and Enterprise, Swinburne University of Technology, 2009.<br>Thesis is submitted in fulfilment of the requirements for the degree Doctor of Philosophy, Faculty of Business and Enterprise, Swinburne University of Technology - 2009. Typescript. Includes bibliographical references (p. 190-197) Restricted: no access. Release date 1st January 2011.
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Jang, Ryosun. "Microfinance business models : comparing and contrasting Grameen Bank and Compartamos Banco." Thesis, Massachusetts Institute of Technology, 2013. http://hdl.handle.net/1721.1/81084.

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Thesis (S.M. in Management Studies)--Massachusetts Institute of Technology, Sloan School of Management, 2013.<br>Cataloged from PDF version of thesis. Page 50 blank.<br>Includes bibliographical references (p. 49).<br>This thesis compares two microfinance business models, the non-profit Grameen Bank model and the commercial for-profit Compartamos Banco so as to identify industry best practices. Although there are many differences between these two models, the author concludes that the fundamental distinction between them is in their funding methods. Grameen Bank funds microloans primarily throu
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Saad, Sadat Aman. "“Accountability and women's empowerment: a case of Microfinance and Grameen Bank”." Thesis, Umeå universitet, Företagsekonomi, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-183257.

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Microfinance is the small-scale provision of financial services to poor people, particularly to women. Over the last four decades, the World Bankhas promoted microfinance as a key tool for addressing poverty alleviation and women’s empowerment (Weber, 2016). Hence a key question here is this –why do microfinance organisations so specifically target women? A crucial reason is to address concepts of gender inequality and hence addressing women’s empowerment as an issue. Drawing on Tanima (2015), thisstudy uses Mayoux’s concept of competing ideological orientation of –financial sustainability, po
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Fernandez, Alaina Jane. "Microcredit and women's outward mobility in rural Bangladesh a study of the Grameen Bank /." [Chico, Calif. : California State University, Chico], 2009. http://hdl.handle.net/10211.4/165.

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Books on the topic "Microfinance Bank"

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Indonesia. Direktorat Jenderal Kelautan, Pesisir, dan Pulau-Pulau Kecil. Profil bank perkreditan rakyat pesisir. Direktorat Jenderal Kelautan Pesisir dan Pulau-Pulau Kecil, Kementerian Kelautan dan Perikanan, 2009.

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Rajaram, Dasgupta, Khankhoje D. P, and National Institute of Bank Management (India), eds. Innovative approach of Oriental Bank of Commerce to microfinance. National Institute of Bank Management, 2002.

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Llanto, Gilberto M. Microfinance capacity assessment of Cooperative Rural Bank of Laguna, Inc. (CRBLI): The farmer's bank. Asian and Pacific Development Centre, 1996.

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Nyama, Jean Marie. Droit bancaire et de la microfinance en zone CEMAC. CERFOD édition, 2006.

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Morduch, Jonathan. Financial performance and outreach: A global analysis of leading microbanks. World Bank, 2006.

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Gallardo, Joselito S. A commercial bank's microfinance program: The case of Hatton National Bank in Sri Lanka. World Bank, 1997.

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Encuentro Anual de Banca (2nd 1997 Lima, Peru). Las microfinanzas y la gestión de centrales de riesgo. Universidad de Lima, Fondo de Desarrollo Editorial, 1998.

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United Nations. Economic and Social Commission for Asia and the Pacific. and Asian Development Bank, eds. Rejuvenating bank finance for development in Asia and the Pacific. Economic and Social Commission for Asia and the Pacific, 2002.

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Bank, Islamic Development. Guidelines on formulating and implementing schemes for financing medium, small, very small, and micro enterprises in IDB least developed and low income member countries. The Bank, 2002.

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Akyuwen, Roberto. Teori dan praktek keuangan mikro di Indonesia. Sekolah Pascasarjana, Universitas Gadjah Mada, 2010.

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Book chapters on the topic "Microfinance Bank"

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Kariuki, Peninah W. "The effects of liberalization on access to bank credit in Kenya." In Microfinance. Practical Action Publishing, 2003. http://dx.doi.org/10.3362/9781780440859.010.

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Hulme, David. "THE STORY OF THE GRAMEEN BANK: From subsidized microcredit to market based microfinance." In Microfinance. Routledge, 2009. http://dx.doi.org/10.4324/9780203882764-17.

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Awal, M. Abdul, and Abul Kalam Azad. "5. Wholesale microfinance: Sonali Bank, Bangladesh." In Small Customers, Big Market. Practical Action Publishing, 2005. http://dx.doi.org/10.3362/9781780440965.005.

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Xiao, Wen, Jiadong Pan, and Wenwu Xie. "Non-bank Financial Institutions Promote Micro and Small Financial Innovation in Luqiao." In Microfinance and China's Regional Development. Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-99-1960-4_6.

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Yadav, Ravinder. "8. Oriental Bank of Commerce’s microfinance project, India." In Small Customers, Big Market. Practical Action Publishing, 2005. http://dx.doi.org/10.3362/9781780440965.008.

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Salaudeen, Adnan Opeyemi, Auwal Adam Sa’ad, and Hassan Suleiman. "Sustainability and Operational Challenges of Islamic Microfinance in Nigeria: The Case of Al-Hayat Microfinance Bank." In Digitalisation: Opportunities and Challenges for Business. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-26956-1_44.

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Mutia, Evi, Aliamin Aliamin, Raudhatur Rahmi, Indayani, and Syarifah Nailul. "Does Sharia Board Foster Islamic Microfinance Bank Performance of Indonesia." In The AI Revolution: Driving Business Innovation and Research. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-54383-8_13.

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Lawson, Laté, and Herman Messan. "13. Finadev SA: the first commercial bank for microfinance in Benin." In Small Customers, Big Market. Practical Action Publishing, 2005. http://dx.doi.org/10.3362/9781780440965.013.

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Suda, Toshihiko, and M. C. S. Bantilan. "Achievements and Challenges of SHG-Bank Linkage Program in India: The Result of Village Surveys in Andhra Pradesh and Maharashtra." In Microfinance, Risk-taking Behaviour and Rural Livelihood. Springer India, 2013. http://dx.doi.org/10.1007/978-81-322-1284-3_6.

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Andrif, Youssef. "Efficiency Comparison Between Non-profit and Commercial Microfinance: Empirical Evidence from Akhuwat Microfinance and Grameen Bank Using Data Envelopment Analysis." In Technology: Toward Business Sustainability. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-54009-7_12.

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Conference papers on the topic "Microfinance Bank"

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Wiyanti, Dede. "Agroforestry and Mobile Local 'Bank' System (Bank Kuriling) in Cianjur, West Java." In International Conference, Integrated Microfinance Management for Sustainable Community Development(IMM 2016). Atlantis Press, 2016. http://dx.doi.org/10.2991/imm-16.2016.20.

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Camara, S., and W. D. Olanipekun. "The Rhetoric of Microfinance Bank Services and Performance of Small and Medium Scale Enterprises in the Gambia." In 28th iSTEAMS Multidisciplinary Research Conference AIUWA The Gambia. Society for Multidisciplinary and Advanced Research Techniques - Creative Research Publishers, 2021. http://dx.doi.org/10.22624/aims/isteams-2021/v28n3p2.

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Small and Medium Scale Enterprises (SMEs) in developing countries especially in the Gambia are confronted with several drawbacks and challenges, principal which is lack of access to capital. They have not been able to perform the expected vital role in bringing about economic growth and development. The main aim of most small scale enterprise is to be self reliant but the smallness of capital is making this dream unachievable. The main objective of this study is to examine the impact of microfinance banks provision of finance on SMEs performance. The study made used of primary source of data c
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Bayrak, Metin, Kadyrbek Sultakeev, and Dastan Aseinov. "Effect of Efficiency on Interest Rate in Microfinance Systems of Some Transition Economies." In International Conference on Eurasian Economies. Eurasian Economists Association, 2016. http://dx.doi.org/10.36880/c07.01566.

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Although the share of microfinance institutions in financial sector of Transition Economies are increasing, the level of interest rates charged by microfinance institutions are very high than normal bank interest rates. Because in these countries the main reasons of high interest rates are operational cost, funding costs, credit risk, inflation and target profit of MFIs. The main purpose of this paper is to analyze the effect of efficiency on interest rate in microfinance system of sampled transition economies. This study uses MIX data that runs from 2000 to 2014 for transition economies count
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Jemna, Roxana. "Tendințe actuale în activitatea de creditare Retail a băncilor." In Simpozion Ştiinţific al Tinerilor Cercetători, Ediţia a 21-a. Academy of Economic Studies of Moldova, 2024. http://dx.doi.org/10.53486/sstc.v3.43.

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We can remark the reorientation of banks towards the retail segment last time, due to the increase in the financial culture of the population, but especially due to the efforts made by the banks, through which the retail segment enjoys loans with small amounts, without proof of income, attracting in this way clients from microfinance institutions. The purpose of this article is to carry out a study on the market of bank credit granted to individuals, highlighting the trends outlined in bank lending, as well as the factors that determine them. In order to notice the essence of the processes in
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Zhang, Qiguang, Chong Wu, and Wei Guo. "Performance evaluation of bank microfinance based on fuzzy mathematics and AHP." In 2014 11th International Conference on Fuzzy Systems and Knowledge Discovery (FSKD). IEEE, 2014. http://dx.doi.org/10.1109/fskd.2014.6980824.

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Cahyaningrat, Listya, and Abdul Mongid. "Micro Waqf Bank : Combination of Microfinance and Community Development in Islamic Finance." In Proceedings of the Third International Conference Administration Science, ICAS 2021, September 15 2021, Bandung, Indonesia. EAI, 2022. http://dx.doi.org/10.4108/eai.15-9-2021.2315201.

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Cebotari, Tatiana. "Development of the non-banking market in the Republic of Moldova." In International Scientific Conference “30 Years of Economic Reforms in the Republic of Moldova: Economic Progress via Innovation and Competitiveness”. Academy of Economic Studies of Moldova, 2022. http://dx.doi.org/10.53486/9789975155663.49.

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The qualitative and continuous consolidation of the non-bank lending sector indicates a trend of transforming microfinance intermediaries into institutions that provide financial services professionally, these entities being an affordable alternative for lending to the population as well as small and medium enterprises. The significant dependence of the enterprises on the bank financing and the limited access to alternative financing sources determine that these enterprises are extremely vulnerable in the conditions of restricting the bank credit. The purpose of the research is to describe the
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Riyadi, Slamet, and Sulaeman Nidar. "Poor Women Empowerment Service Through Microfinance Grameen Bank System (Case Study of Koperasi Mitra Dhuafa /Komida)." In International Conference, Integrated Microfinance Management for Sustainable Community Development(IMM 2016). Atlantis Press, 2016. http://dx.doi.org/10.2991/imm-16.2016.16.

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Tellis, Winston, and Aaron Seymour. "Transition From A Microfinance Institution to Regulated Bank: Technology Infrastructure Planning in a Developing Country." In 2002 Informing Science + IT Education Conference. Informing Science Institute, 2002. http://dx.doi.org/10.28945/2582.

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In this paper, the authors describe the process of converting from a microfinance organization to a regulated bank in Haiti. The literature was helpful as far as some of the procedures were concerned, and the organization was able to use the recommendations. However the researchers found some major omissions in those recommendations as far as infrastructure was concerned. In some developing countries, it is impossible to install PCs because there is no electricity. Similarly network connections and access to the Internet without telephone service would be impossible. A comparison is made betwe
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Ya’u Usman, Abdullahi. "Transmittal Group Lending Model as an Innovative Alternative for Managing Risk and Reducing Cost in Micro-Lending." In 2nd International Conference on Business, Management and Finance. Acavent, 2019. http://dx.doi.org/10.33422/2nd.icbmf.2019.11.765.

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The relevance of micro-lending in battling poverty and encouraging sustainability of the poor is more vividly seen after the emergence of Bangladesh-based Grameen Bank as a successful microfinance institution in 2006. Creating a sustainable microfinance institution largely depends on the two important factors; cost and risk. This paper examines the common risks and costs associated with micro lending, vis-à-vis the trade-off that results into higher costs the more risks are well managed, and higher risks the more costs are highly reduced. As the popular ‘group lending’ model is patronised by t
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Reports on the topic "Microfinance Bank"

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Westley, Glenn D. Strategies and Structures for Commercial Banks in Microfinance. Inter-American Development Bank, 2006. http://dx.doi.org/10.18235/0009067.

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This paper is a checklist of all the factors a bank should consider when deciding the type of organizational structure it should use to do microlending. In addition, the paper discusses key best practices banks should follow in order to be successful in microlending in addition to picking the best structure. Some (though not all) of these best practices provide a useful test: if the bank is not willing to follow them, it may be best to stay away from microlending, for the chances of success are greatly diminished. This paper is aimed both at banks entering microfinance and at banks with existi
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Wenner, Mark D., and Sergio Campos. Lessons in Microfinance Downscaling: The Case of Banco de la Empresa, S.A. Inter-American Development Bank, 1998. http://dx.doi.org/10.18235/0008846.

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Few commercial banks have engaged in profitable microfinance lending despite repeated attempts by donor agencies to entice their entry. The case of Banco de la Empresa, a Latin American private bank, illustrates how penetration of the microenterprise market segment could evolve. This paper reviews the bank's experience with microfinance, what its motivations were for starting such a program, what adjustments it made in operating procedures and what risks the program faced. The study is based on a real experience of the Inter-American Development Bank but in order to preserve the confidentialit
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Jansson, Tor, Glenn D. Westley, and Ramón Rosales. Principles and practices for regulating and supervising microfinance. Inter-American Development Bank, 2004. http://dx.doi.org/10.18235/0009065.

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This publication is aimed at bank supervisory authorities interested in or charged with developing a regulatory and supervisory framework for microfinance. It is intended to meet a growing demand for clearly identifiable principles and guidelines on how microfinance can be appropriately regulated and supervised. The growing awareness of the potential of microfinance, coupled with the emergence of several highly successful and fast-growing institutions, has effectively put the issue on the political agenda in most developing countries.
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Helwig, Karin, Olga Biosca, Emanuella Christensen, Michael Mikulewicz, Patrick Mugiraneza, and Liberata Mukamana. Climate Resilience Through Microfinance: Insights from Rwanda. Glasgow Caledonian University, 2023. http://dx.doi.org/10.59019/ivkp2328.

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Research Topic: Smallholder farmers are highly sensitive to climate change impacts and often have limited means of recovering from or adapting to these. In Rwanda, microfinance products directed at farmers, available through farming or financial cooperatives, have mainly comprised of loans of seed and fertiliser, aimed at increasing yield but not specifically at increasing climate resilience. This project investigated farmers’ experiences with climate change and mitigation; vulnerabilities and exclusions; reverberations of rural climate change impacts in the urban areas of Kigali; opportunitie
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Vogel, Robert C., and Gerald Schulz. Financial Regulation in the English-Speaking Caribbean: Is it Helping or Hindering Microfinance? Inter-American Development Bank, 2011. http://dx.doi.org/10.18235/0011382.

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This paper presents the results of an investigation requested by the Multilateral Investment Fund of the Inter-American Development Bank under its Caribbean Microfinance Capacity Building project (CARIB-CAP) to strengthen microfinance in the English-speaking Caribbean. With the financial support of the Compete Caribbean program, this report seeks specifically to analyze the extent to which the regulation of financial entities in the region is supporting or inhibiting the development of microfinance in the region. Among the issues considered are the case for regulation, the differences between
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Mommens, Xavier, and María Elena Gutierrez. 2011: Climate Change: Latin America and the Caribbean: Risks for the Microfinance Sector and Opportunities for Adaptation. Inter-American Development Bank, 2011. http://dx.doi.org/10.18235/0008973.

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The purpose of this study is to show how microfinance services may undergo the impacts of climate change, to analyze the opportunities available for MFIs and to propose concrete actions. This paper was commissioned by the Inter-American Development Bank (IDB) in coordination with the Sustainable Energy and Climate Change Unit (ECC) and the Multilateral Investment Fund (MIF), and it was prepared on the basis of bibliographic reviews, experience in the Latin American region, and interviews that were carried out during missions in Peru and Guatemala.
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Dercon, Stefan, César Calvo, and Tessa Bold. Insurance for the Poor? Inter-American Development Bank, 2006. http://dx.doi.org/10.18235/0008853.

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This study was prepared for the Financial Services and Poverty Reduction research project and was presented at the conference with the same name held at Bank headquarters in September of 2004. It first establishes the considerable welfare cost borne by the region's poor when facing uncovered risks (which, in principle, are insurable), and offers empirical evidence that shows the clear disadvantages of the informal risk management instruments typically used by the poor. Next, the paper proposes ways to increase access to insurance for the poor in the region. Particularly relevant, among the pro
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Macdonald, Kier. Financing for Micro, Small, and Medium-sized Enterprises in Kenya. Institute of Development Studies, 2025. https://doi.org/10.19088/k4dd.2025.006.

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This rapid evidence review assesses the recent academic and grey literature on the topic of financing for micro, small and medium-sized enterprises (MSMEs) in Kenya . The literature reveals a dearth of highly-cited papers on the topic, and while there are a number of studies which are positive on the effectiveness of different types of financing on the performance of MSMEs, there is scope for further literature which engage with the potential risks or problems associated with different financing methods. The literature demonstrates that the landscape for MSME financing in Kenya is relatively f
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Niesten, Hannelore. Are Digital and Traditional Financial Services Taxed the Same? A Comprehensive Assessment of Tax Policies in Nine African Countries. Institute of Development Studies, 2023. http://dx.doi.org/10.19088/ictd.2023.015.

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Several African countries have introduced taxes on digital financial services (DFS) during the past decade. Given the size and rapid growth of the telecom and DFS sector, DFS taxation is considered an opportunity to broaden the government’s revenue base. These recent developments need to be considered alongside the framework for taxation of traditional financial services (TFS) delivered by banks and other formal financial institutions – such as credit unions, insurance companies and microfinance institutions. The working paper analyses key legislative, tax and regulatory policy instruments, co
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Armenia's Microfinance Sector at a Glance. Asian Development Bank, 2024. http://dx.doi.org/10.22617/arm230603-2.

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Analyzing the financing hurdles facing Armenia’s small businesses, this brief looks at bank lending and considers why universal credit organizations need to be more competitive to gain a larger share of the microfinance sector.
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