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Journal articles on the topic 'Microfinance Bank'

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1

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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2

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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3

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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4

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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6

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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7

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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8

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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9

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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10

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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11

Al-Ansary, Oussama Mohamed, Mohammad Taqiuddin Mohamad та Mohd Shahid Mohd Noh. "الإطار التنظيمي لمؤسسات التمويل الأصغر الإسلامي في السعودية Regulatory Framework for Islamic Microfinance in Saudi Arabia". Al-Muqaddimah: Online journal of Islamic History and Civilization 10, № 2 (2022): 13–34. https://doi.org/10.22452/muqaddimah.vol10no2.2.

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The research examines the regulatory framework for Islamic microfinance in Saudi Arabia. The research aims to review the government supervisory and regulatory authorities for Islamic microfinance in Saudi Arabia, and to identify the most prominent regulations related to this sector. The research used a descriptive analytical approach, relying on tools for collecting and analyzing qualitative data such as interviews with Islamic microfinance relevant parties, analysis of related reports and documents, as well as benefiting from published reports from the relevant authorities. The research reach
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12

Manyo, Takon Samuel, Yahaya-Idinye Lateefah, Egede Samuel Mofam, Okon Effiong Asuquo, Akagha Benedict Onyeoziri, and Atimba Oboko I. "Employee Efficiency and Corporate Competitiveness in Selected Microfinance Banks in Nigeria." Frontiers in Management Science 3, no. 3 (2024): 1–8. http://dx.doi.org/10.56397/fms.2024.06.01.

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The purpose of the study was to examine employee efficiency and corporate competitiveness in selected Microfinance Banks in Nigeria. The design employed in this study was descriptive and correlational research design. The population of this study was one hundred (100) staff of Unical Microfinance bank in Calabar. The study adopted simple random sampling to select four branches. A total of eighty copies was correctly filled and returned as a sample size of the study. Data for this study were gathered from primary source and through the use of structured questionnaires from respondents of the mi
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13

Nthiga, Linda Muthoni, Dr John Cheluget, and Dr James Mwikya. "Effect of Transformational Leadership on Performance of Microfinance Banks in Kenya." International Journal of Research and Innovation in Social Science VII, no. VII (2023): 2000–2014. http://dx.doi.org/10.47772/ijriss.2023.70859.

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Microfinance banks in Kenya were established to primarily focus on providing financial services to low-income clients, including micro-entrepreneurs and small business owners who typically cannot access traditional bank loans. According to central bank of Kenya, annual report and financial statements 2019 to 2020 and bank supervision annual report 2020, the microfinance banks recorded a combined loss before tax of KSh 1.0 billion in the year ended June 2020. The purpose of this study was to assess the effect of transformational leadership on performance of microfinance banks in Kenya. The stud
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14

Pandey, Bhaskar. "Status of Microfinance in India: A Review of Growth and Current Perspective of SHG-Bank Linkage Program in India." Shodh Samarth- Research Journal of Commerce, Management & Economics 01, no. 01 (2024): 122–32. https://doi.org/10.5281/zenodo.11100710.

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Over the past few years, there has been a remarkable evolution in the Indian microfinance sector. The Microfinance Institution (MFI)-Bank Linkage Model and the SHG-Bank Linkage Model (SHG-BLM) are the two main models used in India to deliver microfinance. The most effective widely utilized microfinance model in India is the SHG-BLP, which was created by NABARD. The SHG-BLP was first introduced by the National Bank for Agriculture and Rural Development (NABARD) in February 1992. Under this program, banks were linked to Self Help Groups (SHGs) to distribute credit as well as savings. Since 1992,
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15

Мягких, Никита, Nikita Myagkikh, Елена Калачева, and Elena Kalacheva. "BANKS’ PRESENCE ON RUSSIAN MICROFINANCE MARKET: REASONS, TRENDS, CONSEQUENCES." Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences 2017, no. 1 (2017): 47–52. http://dx.doi.org/10.21603/2500-3372-2017-1-47-52.

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The article deals with the problem of banks’ active entering on the microfinance market through bank-affiliated microfinance institutions (MFI). The subject of this article is Russian MFI’s market; aims of this article are to reveal consequences of bank’s expansion on microfinance market and to develop recommendations for further functioning considering current trends. During the research there has been shown a specificity of MFI’s functioning; also there have been considered MFI’s functions and there has been given a description of MFI’s main forms, i.e. microfinance company and microcredit c
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16

G., Agbele, and Onoriode O.H. "Effect of Ouchi Theory Z on the Performance of Selected Microfinance Banks in Warri Metropolis in Delta State." British Journal of Library and Information Management 4, no. 2 (2021): 54–59. http://dx.doi.org/10.52589/bjmms-vapfdisw.

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The study focused on the effect of Ouchi theory Z on the performance of selected Microfinance Banks in Warri Metropolis in Delta State. The hypothetical aim was to ascertain the type of relationship that exists between the variables. The population covered 50 staff (Senior and Junior) of the selected Microfinance Bank in the area under study. The instrument employed for data collection was through personal (face-to-face) discussion with the respondents. Positive and reliable results were obtained. The data was analyzed through tables and chi-square statistical technique. The findings revealed
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17

G., Agbele, and Onoriode O.H. "Effect of Ouchi Theory Z on the Performance of Selected Microfinance Banks in Warri Metropolis in Delta State." British Journal of Management and Marketing Studies 4, no. 2 (2021): 54–59. http://dx.doi.org/10.52589/bjmms-vapfdis.

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The study focused on the effect of Ouchi theory Z on the performance of selected Microfinance Banks in Warri Metropolis in Delta State. The hypothetical aim was to ascertain the type of relationship that exists between the variables. The population covered 50 staff (Senior and Junior) of the selected Microfinance Bank in the area under study. The instrument employed for data collection was through personal (face-to-face) discussion with the respondents. Positive and reliable results were obtained. The data was analyzed through tables and chi-square statistical technique. The findings revealed
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18

Muhari, Syafaat, and Zulfiqar Ali Jumani. "How Islamic Rural Bank Overcomes the Trade-off Between Sustainability and Outreach: Does Market Competition Matter?" Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan 25, no. 1 (2024): 48–68. http://dx.doi.org/10.23917/jep.v25i1.23523.

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There was no consensus how to deal the trade-off between maintaining sustainability and outreach of microfinance institutions among researchers. The paper provides time series data which includes monthly industry data from Islamic Rural Bank for a period of more than 14 years starting from January 2009 to March 2023. In the first analysis, an estimate of the level of market competition is compute by the Lerner Index (LI) of each period. Furthermore, the efficiency analysis of Data Envelopment Analysis (DEA) is used to measure efficiency which allows estimation of efficiency performance using m
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19

Aliyu, Abdulaziz, Nasamu Gambo, Ozigi Emmanuel Enesi, and Musa Ibrahim. "Central Bank Regulations and the Financial Sustainability of National Microfinance Banks in Nigeria." European Journal of Accounting, Auditing and Finance Research 11, no. 10 (2023): 73–97. http://dx.doi.org/10.37745/ejaafr.2013/vol11n107397.

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This study examines the impact of Central Bank Regulations on the Financial Sustainability of National Microfinance Banks in Nigeria. The study employed the expost-facto research design. Data was collected from the central bank bulletins and the financial reports of the sample seven national Microfinance banks. The data collected was analysed using Multivariate Analysis of Variance (MANOVA). The findings derived from the empirical analysis revealed significant relationships between the Minimum Capital Requirement, and the financial sustainability indicators, including returns on assets (ROA) a
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20

Adewale, Abass Adekunle, and Abass Adedolapo Adeyemo. "THE EFFECT OF MICROFINANCE BANK LOAN ON PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN NIGERIA." JUNE 2024 42, no. 2 (2024): 177–92. http://dx.doi.org/10.51380/gujr-40-02-04.

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This paper evaluates the impact of microfinance bank loans on small and medium enterprises (SMEs) in Osun State, Nigeria. The SMEs encounter major difficulties when trying to obtain financing, which hampers their growth and contributions to the economy. Microfinance banks are crucial as they provide essential financial services tailored for SMEs, facilitating economic growth. A descriptive survey design was used so as to collect data from 150 randomly selected SME operators across various sectors in the Osun State. The findings show that microfinance loans significantly enhance SME performance
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21

James Ese IGHOROJE (PhD) and Emmanuel Othuke AKPOKERERE (PhD). "MICROFINANCE BANKS’ CREDIT ACCESSIBILITY AND POVERTY REDUCTION IN NIGERIA." Finance & Accounting Research Journal 4, no. 4 (2022): 162–68. http://dx.doi.org/10.51594/farj.v4i4.396.

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The study investigated the effect of access to microfinance banks’ credit accessibility (MCA) on poverty reduction in Nigeria. The regressand is poverty reduction proxied by GDP per capita growth rate as a measure of standards of living, while the regressors are deposits (DEP), micro-loans and advances (LAD). The study gathered (sourced) from the annual bulletin of the Central Bank of Nigeria (CBN) for 16 years from 2000 to 2021. The Ordinary Least Square regression technique was employed for data analyses. The results showed that Loans and advances of microfinance banks have insignificant neg
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22

Dr. P. Lavanya, Dr. T. Varalaxmi, and B. Pallavi. "Post-Merger Impact on Canara Bank." International Research Journal on Advanced Engineering and Management (IRJAEM) 2, no. 06 (2024): 1897–900. http://dx.doi.org/10.47392/irjaem.2024.0282.

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Microfinance has emerged as a potent tool for fostering economic development, particularly in regions with limited access to traditional financial services. This paper explores the multifaceted role of microfinance in stimulating economic growth and alleviating poverty. Firstly, microfinance institutions (Mfrs) extend financial services such as credit, savings, and insurance to individuals who are often excluded from mainstream banking due to lack of collateral or credit history. By providing access to capital, microfinance empowers entrepreneurs, particularly women, enabling them to start or
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23

Malik, Ana, Ghafeer Amjad, and Ali Raza Nemati. "Impact of Technological, Organizational, Product, and Process Innovation on Employee Turnover Intention." Zakariya Journal of Social Science 1, no. 1 (2022): 1–14. http://dx.doi.org/10.59075/zjss.v1i1.43.

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The study aimed at investigating the predictive relationship between innovation and employee turnover intention in the telecom sector of Pakistan; particularly Mobilink Microfinance Bank, Khushali Bank, U-Bank&amp; Telenor Microfinance Bank. The impact of technological, organizational, product, and process innovation was measured on employee turnover intention by using the adapted version of The Denison Organizational Culture Survey (1990). The sample comprised 150 employees with the inclusion criteria of only those working at the Microfinance Banks. A purposive sampling technique was used and
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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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25

Nwoke, Francis Okechukwu, Chukwu, and Kenechukwu Origi. "MICROFINANCE BANKS ACTIVITIES AND ECONOMIC DEVELOPMENT OF NIGERIA." International Journal of Research In Commerce and Management Studies 05, no. 05 (2023): 01–21. http://dx.doi.org/10.38193/ijrcms.2023.5501.

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This study investigated the effect of microfinance banks on economic development of Nigeria from (1992-2021) using secondary data from Statistical bulletin of Central Bank of Nigeria and United Nations Development Programme (UNDP) annual report. The research work used the fully modified ordinary least square (FMOLS) regression analysis to test the effect between the independent variables (Microfinance Banks Loans and Credit, Investments and Deposits, Government Expenditure on Education and health) on the dependent variable (human development index). The study discovered that microfinance bank
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26

Abdallah Alshammari, Ahmed Mahmoud, and Wan Mohd Nazri Wan Daud. "The Effect of Microfinance Bank Services on Women Empowerment: The case for Women Entrepreneurs in Irbid, Jordan (SMEs)." Journal of Entrepreneurship and Business 9, no. 1 (2021): 38–49. http://dx.doi.org/10.17687/jeb.v9i1.415.

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Generally, women, entrepreneurs face problems in accessing funding due to factors that stem from cultural values, ??societal needs, family ties, illiteracy, gender discrimination, strict government policies, economic crisis, and the lack of training in entrepreneurship and skills acquisition that hinders entrepreneurial activities. This study was conducted to examine the impact of microfinance bank services in empowering female entrepreneurship in Irbid Governorate. The study used a cross-sectional survey research design consisting of 20,000 registered businesswomen. A total of 392 working wom
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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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JOSHUA NGILA ZAKAYO, JOSHUA NGILA ZAKAYO, Dr Faraji Yatundu Dr.Faraji Yatundu, and Dr Daniel Ndungu Dr.Daniel Ndungu. "Capital Adequacy, Bank Size and Liquidity Risk of Deposit Taking Microfinance Banks in Kenya." Journal of Research in Business and Management 13, no. 6 (2025): 133–48. https://doi.org/10.35629/3002-1306133148.

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Microfinance banks liquidity has been sustained by massive slowdowns in lending that accompanied moratoria on repayments, but should this be extended beyond the initial months, it would effectively push the liquidity crunch onto the low-income communities they are supposed to serve and put the sustainability of the MFBs themselves into question by exposing them to liquidity risks. This study aimed to establish capital adequacy,bank size and the liquidity risk of deposit taking microfinance banks in Kenya. Specifically, the study sought to assess whether capital adequacy influenced the liquidit
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Abd Wahab, Norazlina, Saeed Awadh Bin-Nashwan, Mohd Nazri Chik, and Mohd Yahya Mohd Hussin. "Islamic Social Finance Initiatives: An Insight into Bank Islam Malaysia Berhad’s Innovative BangKIT Microfinance Product." ISRA International Journal of Islamic Finance 15, no. 1 (2023): 22–35. http://dx.doi.org/10.55188/ijif.v15i1.483.

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Purpose ― The aim of this study is to explore the initiative taken by Bank Islam Malaysia Berhad (BIMB) in upholding Islamic social finance (ISF) through the innovative BangKIT Microfinance product.&#x0D; Design/Methodology/Approach ― This paper adopts the qualitative approach to review and synthesise the relevant literature on microfinance and Islamic microfinance and, moreover, analyses the BangKIT Microfinance product offered by BIMB.&#x0D; Findings ― The paper identifies the ISF initiative undertaken by BIMB as one of the primary objectives of Islamic banks with the noble aim to contribute
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Kimunei, Peter Kandie. "Corporate governance, firm age and financial stability of microfinance banks in Kenya." African Journal of Empirical Research 6, no. 2 (2025): 649–65. https://doi.org/10.51867/ajernet.6.2.55.

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Financial stability has remained a major challenge of the microfinance banks in Kenya. Statistics from the Central Bank of Kenya show that for the period 2018-2022, the aggregate net incomes of these institutions have been negative with return on equity (ROE) and return on asset (ROA) values averaging at 13.24% and -1.55% respectively. This implies that these institutions have been posting losses hence providing a pointer of concern about their financial stability. The instability of these microfinance banks is detrimental to the survival of the entire financial sector and the economy at large
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Dr., Irfan Ali, Ali Shah Turab, and Rukhsana Gul Gilal Dr. "Determinants of Customer Satisfaction in Microfinance Banks of Pakistan." International Journal of Management Sciences and Business Research 5, no. 12 (2016): 302–10. https://doi.org/10.5281/zenodo.3468719.

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The leading indicator of loyalty and repurchase intention is customer satisfaction. This study is focused on identification of basic factors or areas which determine the customer satisfaction in microfinance banking industry. Data was collected through a standard questionnaire from 149 customers of 30 branches of 3 major microfinance banks. SPSS 16 was used for data analysis. Results concluded that microfinance banks policies and procedures, the physical appearance of the bank branch, empathy and commitment of staff with the customers are major factors which determine the customer satisfaction
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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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Yunus Adeigbe, Kayode, Joseph Adegboye Dada, Samuel Olarewaju Adelowo, and Felix Akinlade Babatola. "MICROFINANCE BANK SERVICES AND SURVIVAL INSTINCT OF MICRO, SMALL AND MEDIUM ENTERPRISES (MSMES) IN SOUTH-WEST, NIGERIA." GOMBE JOURNAL OF ADMINISTRATION AND MANAGEMENT (GJAM) 6, no. 2 (2024): 185–95. https://doi.org/10.64290/gjam.v6i2.1182.

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This study investigated the effect of microfinance bank services (MFBs) on survival instinct of Micro, Small and Medium Enterprises (MSMEs) in South–West, Nigeria. The objective of the study is to examine the effect of dimensions of microfinance banks services on survival instincts of MSMEs in South-West, Nigeria. Descriptive research design was used through proportional stratified sampling technique in this study. Taro Yamane formula was used to arrive at 400 which formed the sample size determination of the study. Both descriptive and inferential statistics were employed for the test of the
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Jonathan, Sila Nyamai, and Odhiambo Aluoch Moses. "MICROFINANCE BANKS CHARACTERISTICS AND CREDIT RISK OF MICROFINANCE BANKS IN KENYA." MICROFINANCE BANKS CHARACTERISTICS AND CREDIT RISK OF MICROFINANCE BANKS IN KENYA 11, no. 2 (2023): 42–51. https://doi.org/10.5281/zenodo.10060356.

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<strong>Abstract:</strong> The study sought to determine the effect of bank characteristics on the credit risk of Kenyan microfinance banking institutions was done. The research was anchored by agency theory and adverse selection theory. The adoption of a causal research design was eminent to analyze thirteen banks for the period 2015 to 2021 based on the census approach. The study outcomes were arrived at using secondary data obtained under the guidance of the secondary data collection schedule. The output of the analyzed investigation demonstrated that capital levels had an inversely signifi
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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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Smolo, Edib. "An Overview of Microfinance Sector in Bosnia and Herzegovina: Is There a Room for Islamic Microfinance?" Journal of Islamic Economics, Banking and Finance 7, no. 2 (2011): 85–105. https://doi.org/10.5281/zenodo.14424641.

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Bosnia and Herzegovina (B&amp;H) is a transitional country trying to get back on tracks after the aggression of 1990th. Conventional microfinance industry developed reasonably well during the last fifteen years or so. Five microfinance institutions are among the Top 50 in the World. The number of the institutions providing microfinance services has increased enormously since the mid-&lsquo;90th. The laws are implemented and microfinance sector is under the respective banking rules and regulations. With high unemployment rate, which is in range between 2040 percent, the microfinance is a very a
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Grimbald, Ndah, and Tarbot Chelsea Mah. "Bank Marketing and Its Effects on Customer Retention in Microfinance in Yaounde, Cameroon." Business and Economic Research 13, no. 1 (2023): 57. http://dx.doi.org/10.5296/ber.v13i1.20331.

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This study seeks to assess bank marketing and its impact on customer retention in microfinance in Yaoundé, Cameroon. A cross-sectional research design consisting of 348 clients of category two microfinances were sampled from the center region of Cameroon. Data for the study was sourced using closed structured questionnaires. The analysis was concluded using statistical software’s such as Statistical Package for Social Sciences (SPSS 24) and Analysis of Moment Structures (AMOS24). The results from the analysis reveal that Customer service and retention have a significant positive impact on cust
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Susilo, Edi. "MANAJEMEN LIKUIDITAS LEMBAGA KEUANGAN MIKRO SYARIAH NON BANK (BMT) DENGAN AKAD TAWARRUQ." JURNAL ILMIAH EKONOMI ISLAM 3, no. 01 (2017): 1. http://dx.doi.org/10.29040/jiei.v3i01.67.

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Non-bank Islamic microfinance institutions (BMT) are legal entity Cooperative have no instrument to fulfill liquidity needs as Islamic banking. Whereas the BMT should provide liquidity fund for the partners / members at any time. This article uses descriptive analytical method, to understand deeply the Tawarruq contract as liquidity management solutions Non-bank Islamic Microfinance Institutions (BMT). The results show the Tawarruq contract can be revitalized by necessity of the present to fulfill the liquidity needs of Non-bank Islamic Microfinance Institutions (BMT). Keywords: Tawarruq, Isla
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Chinwe, Okeke Ijeoma. "Microfinance Banks and Economic Development in Nigeria (2013-2023)." International Journal of Research and Innovation in Social Science VIII, no. XII (2025): 1424–32. https://doi.org/10.47772/ijriss.2024.8120121.

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This study examines the effects of microfinance banks on Nigeria’s economic development, specifically examining HDI, investments, loans, and deposits. Utilizing multiple regression analysis on data from 2013 to 2023, the study aims to assess how microfinance investments, loans, and deposits influence Nigeria’s economic development. Data from all micro finance banks were sourced from the Central Bank of Nigeria’s Statistical Bulletin and Annual Reports. The results indicate that In contrast, microfinance loans have a negative, insignificant effect on HDI. Deposits from microfinance have a posit
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Wardhana, Leo Indra, Fani Pramuditya, and Elton Buyung Satriyanto. "Microfinance and Inequality: Case of Indonesia." SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS 4, no. 3 (2020): 211. http://dx.doi.org/10.29259/sijdeb.v4i3.211-228.

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This study investigates the role of microfinance from small-sized banks, usually with a limited geographical area of operation, in Indonesia, namely Bank Perkreditan Rakyat (BPR) on the income inequality. Using a province level panel data of 2012-2018 the results show that loans from such a bank are associated with income inequality reduction, supporting the arguments that microfinance contributes to income inequality reduction. This study has an important policy implication regarding the existence of BPR in Indonesia.
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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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42

Dulamragchaa, Orosoo, and Yoichi Izumida. "Progress of Mongolian Microfinance: A Case Study of Khan Bank and XacBank." Asian Journal of Agriculture and Development 8, no. 2 (2011): 29–41. http://dx.doi.org/10.37801/ajad2011.8.2.3.

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This paper examines the activities of Mongolian financial intermediation and the factors influencing the progress of Mongolian microfinance. These were evaluated using data from household surveys in selected areas, financial statements of Khan Bank and XacBank, and information obtained from interviews with officers of said banks. The analysis found that the performance of these two banks improved significantly. Moreover, Mongolian microfinance advanced as innovative methods were introduced. The new concept of collateral is considered the most important development. Loans secured using various
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Mohan, Brij. "A microfinance bank is born." Small Enterprise Development 15, no. 2 (2004): 9–10. http://dx.doi.org/10.3362/0957-1329.2004.017.

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Niaz Makhdum Muhammad, Salina Kassim, Nur Farhah Mahadi, and Engku Rabiah Adawiah Engku Ali. "An Analysis of the Joint Liability Model in Bangladesh: Lessons for the Islamic Microfinance Institutions." Journal of Islamic Finance 11, no. 2 (2022): 149–60. https://doi.org/10.31436/jif.v11i2.697.

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As a powerful tool for eradicating poverty, microfinance enables the underprivileged to rise up the social and economic ladders, contribute to society, and lessen their vulnerability. As a novel financial tool, Islamic microfinance can also help the impoverished escape the cycle of poverty. Bangladesh has millions of people who are living in abject poverty because of their inability to use formal financial services. Hence, to improve the conditions of the poor, a good number of microfinance institutions have come forward with a variety of microfinance products. Most significantly, different mi
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R.Venkatesh. "A STUDY ON THE PERFORMANCE OF MICRO FINANCE WITH RESPECT TO SELF HELP GROUPS IN KARNATAKA." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 154–59. https://doi.org/10.5281/zenodo.2573709.

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<em>Micro-Finance is emerging as a powerful instrument for poverty alleviation in the new economy. In India, Micro-Finance is dominated by Self Help Groups (SHGs) - Banks linkage Programme, aimed at providing a cost effective mechanism for providing financial services to the &lsquo;unreached poor&rsquo;. In the Indian context terms like &ldquo;small and marginal farmers&rdquo;, &ldquo;rural artisans&rdquo; and &ldquo;economically weaker sections&rdquo; have been used to broadly define micro-finance customers. Research has shown that, over time, microfinance customers increase their income and
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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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47

Adewale, A. A., A. A. Adeyemo, and S. B. Lawal. "Effect of employee’s satisfaction on performance of Nigerian microfinance banks." Journal of Economics and International Relations, no. 19 (June 30, 2024): 36–46. https://doi.org/10.26565/2310-9513-2024-19-04.

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The study investigates the nexus between employee satisfaction and the performance of selected Microfinance banks in Nigeria, with a focus on five banks in Osun State. It aims to discern the relationship between employee satisfaction and bank performance, while pinpointing key factors that influence employee satisfaction, such as prompt salary, job security, and fringe benefits. Utilizing a purposive sampling technique, data from 40 employees were collected through structured questionnaires, and subsequent analysis involved descriptive statistics and regression. Results indicate a robust posit
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Davis, Rebecca, Elvis K. Donkoh, Bernard Mawah, and Blessed Amonoo. "Internal Financial Risk Management In Microfinance Companies: A Case Study Of Akuapem Rural Bank, Ghana." International Journal of Statistics and Probability 7, no. 5 (2018): 64. http://dx.doi.org/10.5539/ijsp.v7n5p64.

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The operations of Microfinance Institutions (MFIs) in Ghana have recently come under serious public scrutiny. This position was fairly caused by Bank of Ghana’s (BOG’s) announcement regarding 70 microfinance companies whose provisional licenses were revoked BOG (2016). This led to the closure of DKM Diamond Microfinance and some other microfinance companies in the country. This worsening circumstance surrounding the microfinance industry calls for the need to provide practical knowledge on the use of financial analysis tools to manage internal financial risks of the microfinance industry. Data
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Aslam, Mohammad, Senthil Kumar, and Shahryar Sorooshian. "Predicting Likelihood for Loan Default Among Bank Borrowers." International Journal of Financial Research 11, no. 1 (2019): 318. http://dx.doi.org/10.5430/ijfr.v11n1p318.

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Poverty is a threat to the world. In its extreme form at any part of the world, it will make endanger rest of the world. In fact, it is the source of crime and the worst form of violence. The poor people do not commit any crime but they get punishment out of being born as a poor that is not controllable in their hand. Microfinance has been designed to eliminate poverty and help marginal and poor people through small income generating activities. The borrowers need capital to materialize their dream, may be in a small amount and microfinance can play important role in this scenario. Through mic
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O. Nwanna, Ifeanyi, and Ijeoma Chinwe Okeke. "Microfinance Credit and Poverty Alleviation in Nigeria (2008 to 2019)." IIARD INTERNATIONAL JOURNAL OF BANKING AND FINANCE RESEARCH 8, no. 1 (2022): 49–60. http://dx.doi.org/10.56201/ijbfr.v8.no1.2022.pg49.60.

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The study examined the relationship between microfinance credit and alleviation of poverty in Nigeria, Poverty can be regarded as the denial of choices and opportunities, a defiance of human dignity. Despite all the policies and measures, taken to reduce poverty , no noticeable success has been achieved in this direction. The key issue is to find out the relationship between microfinance credit and poverty alleviation in Nigeria. using unemployment rate, fixed capital formation and per capita income as proxy for poverty alleviation, while micro finance credit was used as the independent variab
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