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Journal articles on the topic 'Microfinance institutions (mfi)'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

Noer, Zakiah. "AKIBAT HUKUM PENDIRIAN LEMBAGA KEUANGAN MIKRO OLEH BADAN HUKUM KOPERASI." JURNAL MEDIA HUKUM DAN PERADILAN 4, no. 1 (2018): 35–50. http://dx.doi.org/10.29062/jmhp.v4i1.3.

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This research is underlined by the existence of cooperative business activities which collect and distribute funds over its members, and also to its non-members. In order to avoid the violation of the provisions in Act No. 25 Year 1992 about Cooperatives, cooperative has established a microfinance institution (MFI) which called as Cooperative MFI. The establishment of microfinance institutions causes the legal consequences on several aspects because of the different regulations between Cooperative and MFI according Act No. 25 Year 1992 about Cooperatives and Act No.1 Year 2013 about Microfinan

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Jawadi, Fredj, Nabila Jawadi, and Virginie Dechamps. "European Microfinance Institutions and Information and Communication Technologies." Journal of Electronic Commerce in Organizations 8, no. 3 (2010): 38–48. http://dx.doi.org/10.4018/jeco.2010070104.

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The development of microfinance programs in Europe has increased due to the establishment of a large number of small businesses, increase in unemployment, high inflation rates and an impoverished population, which all constitute stimulating conditions of microfinance development. In addition, technological factors consisting of advances in information and communication technologies have contributed to the expansion of microfinance institution (MFI) activities among European citizens. They have facilitated the access to MFI products while also enhancing performance through cost reduction and be

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3

CAMPBELL, NOEL D., and TAMMY M. ROGERS. "MICROFINANCE INSTITUTIONS: A PROFITABLE INVESTMENT ALTERNATIVE?" Journal of Developmental Entrepreneurship 17, no. 04 (2012): 1250024. http://dx.doi.org/10.1142/s1084946712500240.

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This paper examines the determinants of return on equity for microfinance institutions (MFI), an important source of funds for entrepreneurs in developing countries. Recent research indicates that MFIs need to become financially sustainable without relying on external funding. To meet this objective, MFIs have begun to look to the capital markets as a source of funds. Our findings indicate that investors in MFIs can look at measures similar to those used by traditional financial institutions, like commercial banks, such as operating expense and portfolio yield measures to measure possible perf

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Tadele, Haileslasie, Helen Roberts, and Rosalind Whiting. "Microfinance institutions' risk and governance in Sub-Saharan Africa." International Journal of Social Economics 49, no. 3 (2021): 449–69. http://dx.doi.org/10.1108/ijse-10-2020-0719.

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PurposeThe purpose of this study is to explore the impact of MFI-level governance on microfinance institutions' (MFIs’) risk in Sub-Saharan Africa (SSA).Design/methodology/approachThe study uses data from a sample of 151 MFIs operating in 21 SSA countries during 2005–2014. The Feasible Generalized Least Squares (FGLS) regression model is applied to investigate the relationship between MFI level governance mechanisms and risk.FindingsThe study provides new evidence that board characteristics have differential effects on for-profit (FP) and not-for-profit (NFP) MFI risk. Board independence reduc

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

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

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Anglin, Aaron H., Jeremy C. Short, David J. Ketchen, Thomas H. Allison, and Aaron F. McKenny. "Third-Party Signals in Crowdfunded Microfinance: The Role of Microfinance Institutions." Entrepreneurship Theory and Practice 44, no. 4 (2019): 623–44. http://dx.doi.org/10.1177/1042258719839709.

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Crowdfunded microfinance research has routinely examined how campaign characteristics drive funding to crowdfunding campaigns but has neglected to examine the critical role of the microfinance institution (MFI). We leverage signaling theory to contend that entrepreneurs’ MFI affiliation is a salient third-party signal that shapes the performance of their crowdfunding campaign and examine how the financial and social performance of MFIs drive campaign funding. Our examination of 220,649 loans paired 173 MFIs supports our arguments. We provide insight into the importance of third-party signals i

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Gan, Christopher, and Wittawat Hemtanon. "Sustainability of Microfinance Institutions in Thailand." Asian Journal of Agriculture and Development 19, no. 1 (2022): 77–90. http://dx.doi.org/10.37801/ajad2022.19.1.5.

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Microfinance programs play a vital role in poverty alleviation in developing countries; however, most microfinance institutions (MFIs) face the challenge of maintaining financial sustainability. While several studies have investigated factors affecting MFI financial sustainability, only a few focus on MFIs in Thailand. This paper uses the random effect model to study the determinants of Thai MFIs’ financial sustainability. Results show that sustainability is affected by the efficiency of Thai MFI staff members in managing borrowers and the MFIs’ ability to use their short-term assets to genera

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Tmava, Qazim, and Bashkim Bellaqa. "The role of microfinance institutions in job creation." Edelweiss Applied Science and Technology 9, no. 4 (2025): 146–56. https://doi.org/10.55214/25768484.v9i4.5950.

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The primary objective of this research is to assess the influence of Micro Financial Institutions (MFIs) on job creation in Kosovo by examining the relationships between MFI microcredits, consulting services, government coordination, interest rates, and so on. According to the September 2024 status, Kosovo's microfinance sector consists of 9 MFIs and 23 Non-Banking Financial Institutions (NBFIs). The findings of the linear regression analysis suggest that there is a weak relationship between the volume of microcredits granted by MFIs and the creation of new jobs, with p = 0.042, which is sligh

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Hidayat, Ariodillah, Suhel Suhel, and Mardalena Mardalena. "Sustainability of Microfinance Institutions: An Analysis of Influencing Factors in South Sumatra Province." Jurnal Ekonomi Pembangunan 21, no. 1 (2023): 13–24. http://dx.doi.org/10.29259/jep.v21i1.19573.

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Microfinance has become an important tool for poverty alleviation in many countries and the Indonesian government through various intervention programs to overcome poverty has also implemented microfinance programs in Indonesia, one of which is through the Kota Tanpa Kumuh (Kotaku) Program. This study aims to analyze the factors that affect the sustainability of the Financial Management Unit (UPK) Microfinance Institutions (MFI) operating in South Sumatra Province. The purpose of this study is to gain a better understanding of these factors and their sustainability so that they can provide rec

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Analia, Devi, Cipta Budiman, Rika Hariance, and Syahyana Raesi. "Social Capital on The Performance of Microfinance Institutions of Agribusiness (MFI) in Indonesia." HABITAT 36, no. 2 (2025): 117–28. https://doi.org/10.21776/ub.habitat.2025.036.2.10.

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Social capital is an essential aspect in improving the performance of Agribusiness Microfinance Institutions (MFI). The Social capital discussed in this study is trust, norms, and networks. Meanwhile, the performance of MFI could be seen from aspects of MFI services, MFI management, credit supervision, and alleviation of bad loans. This study aims to determine the impact of social capital seen from the aspects of trust, networks, and norms in improving MFI performance in Padang City, West Sumatra. This study used the analysis method of Structural Equation Modeling (SEM) Second Order Condition.

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Rana, Kanika, and Brinda Viswanathan. "Patterns of Access to Microfinance Loans in India." Review of Development and Change 24, no. 2 (2019): 259–79. http://dx.doi.org/10.1177/0972266119886677.

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Due to various supply and demand factors, households in developing countries may borrow from a single source or combination of sources—formal, informal and microfinance institutions (MFI). Who is accessing what types of loan sources? This study uses Indian Human Development Survey (2011–2012) to analyse, for the first time, households accessing microfinance loans either alone (8%) or in combination with other sources (13%). We find that the more developed southern states have the highest MFI-linked borrowers (39%). Despite the low overall share of MFI borrowing, microfinance supports inclusive

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12

Bakari, Stephen Jeuma. "Staff Performance and Extraneous Motivation at Microfinance Institutions (MFIs): A Case of Microfinance Institutions in Arusha -Tanzania." Asian Journal of Education and Social Studies 49, no. 3 (2023): 381–91. http://dx.doi.org/10.9734/ajess/2023/v49i31163.

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The objective of this study was to determine how extraneous motivators influence the performance of staff in Tanzanian microfinance institutions. 98 non-deposit-taking microfinance institutions in Arusha completed questionnaires to provide the information. The Data was analyzed using descriptive statistics and Pearson Coefficient Correlation to determine the significance of the impact of incentives, rewards, and salary packages on employees’ performance in the MFIs. According to the results, the majority of respondents thought that employee incentives had a significant impact on how well MFI e

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Bayai, Innocent, and Sylvanus Ikhide. "Financing and financial sustainability of microfinance institutions (MFIs): a conceptual view." Banks and Bank Systems 11, no. 2 (2016): 21–32. http://dx.doi.org/10.21511/bbs.11(2).2016.03.

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Recent evidence shows that MFI financing continues to evolve with an increased inclination towards commercial financing. Taking stock on MFI financing and refocusing on the relationship between financing options and financial sustainability (FS) is unavoidable. The authors consummated a literature review based on complementing the little evidence on the subject with both theoretical and implied evidence from related studies in unpacking the relationship. Though donations are losing grip as a popular MFI financing option, review of literature recommends smart subsidies to spur FS and counter in

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Ben Abdelkader, Ines, and Faysal Mansouri. "Performance of microfinance institutions in the MENA region: a comparative analysis." International Journal of Social Economics 46, no. 1 (2019): 47–65. http://dx.doi.org/10.1108/ijse-06-2017-0242.

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Purpose The purpose of this paper is to provide preliminary efficiency assessment of Arab microfinance institutions (MFIs) within the period 2002–2012. Microfinance is defined as the provision of financial services to poor and low-income households and their microenterprises on a sustainable basis. Design/methodology/approach The authors first present the main features of microfinance in the Middle East and North Africa (MENA) region. Second, based on a simple of 72 microfinance institutions issued from ten countries of the region, they develop a bootstrap–data envelopment analysis (bootstrap–

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15

Hossain, Shahadat, and Rubaiyet Hasan Khan. "Securitization: An Alternative Funding Mechanism for the Microfinance Institutions." Journal of International Business, Economics and Entrepreneurship 3, no. 2 (2018): 1. http://dx.doi.org/10.24191/jibe.v3i2.14427.

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Despite microfinance has been widely appreciated as an informal financial mechanism to provide financial services to the poor people in developing countries, this sector is still lacking behind in fulfilling the demand gap due to the dearth of adequate funds. Securitization opens a new horizon that overcomes the funding barriers of microfinance through which the top tier Microfinance Institutions (MFIs) can accumulate funds to enlarge their portfolio without issuing any debt or equity. This paper is a desk study that synthesizes how securitization can be used in the funding of the MFI portfoli

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Rachmawati, Rika Reviza, Ashari, Mat Syukur, et al. "Analysis The Growth of Microfinance in Upland Areas." E3S Web of Conferences 444 (2023): 02019. http://dx.doi.org/10.1051/e3sconf/202344402019.

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Farmers in upland areas struggle with the accessibility of financial institutions. Due to their remote location and the absence of finance branch offices; therefore, The Ministry of Agriculture and the Islamic Development Bank (IsDB) are working together to resolve finance access difficulties by developing Agribusiness Microfinance Institutions (MFI) in upland communities. The study aimed to assess the agricultural sector’s potential and funding restrictions and examine the growth of microfinance in the Upland area. The study was conducted in Garut, Tasikmalaya, Lebak, and Subang districts in

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Darsono, Darsono, and Darwanto Darwanto. "Strengthening the MSME Through Institutional Cooperation Improvement Between MSME and Sharia Microfinance Institutions (SMFI)." Jurnal Ilmiah Al-Syir'ah 17, no. 1 (2019): 65. http://dx.doi.org/10.30984/jis.v17i1.809.

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Micro, Small and Medium Enterprise (MSME) is one of the pillars of the national economy because of the magnitude of the contribution made by MSME. It is even mentioned that MSME is an integral part of the country's economy. MSME in Indonesia is able to absorb the labor up to 97.02%. The contribution of MSME to GDP (57.08%) and investment (53.24%) also has a larger value when compared to large businesses. But in general, MSME has limited access to financial institutions. By these problems, the government has provided special financing of MSME through Microfinance Institutions (MFI). But in its

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Lamichhane, Basu Dev. "Loan Delinquency in Microfinance Institutions (MFIs): Ways to Overcome the Problem." Nepalese Journal of Management Research 2, no. 1 (2022): 37–43. http://dx.doi.org/10.3126/njmgtres.v2i1.48264.

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Microfinance institution (MFI) deliquency management is a new topic in the world of microfinance. The major goal of the article is to examine at delinquency management strategies in MFIs in Nepal, as well as the causes of loan delinquency and how to improve loan delinquency. The study’s goal necessitated an evaluation of relevant literature. In Nepal, the ratio of non-performing loans (NPLs) in the microfinance sector has been rising. The study found that adopting governance in loan delivery procedures, client identification, effective credit appraisal, and review of client credit history, pro

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Singh, Ritika, and Chandan Bhar. "System dynamics to turnaround an Indian microfinance institution." Kybernetes 45, no. 3 (2016): 411–33. http://dx.doi.org/10.1108/k-05-2014-0111.

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Purpose – The purpose of this paper is to present a policy comparison tool for Indian Microfinance Institutions (MFIs) so that they can choose the best policy for implementation. It provides for turnaround of a troubled MFI by analyzing the performance of different policies. Design/methodology/approach – The paper has done a web survey to identify the need of a strategic tool for MFI. It has built a Decision Support System (DSS) using system dynamics. A corporate model of MFI has been constructed using iThink 10.0.2 software. A quantitative validity test has been done to find the robustness of

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Thrikawala, Sujani, Stuart Locke, and Krishna Reddy. "Board structure-performance relationship in microfinance institutions (MFIs) in an emerging economy." Corporate Governance: The International Journal of Business in Society 16, no. 5 (2016): 815–30. http://dx.doi.org/10.1108/cg-12-2015-0166.

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Purpose The purpose of this paper is to investigate the relationship between board structure, financial performance and outreach of microfinance institutions (MFIs) in Sri Lanka, using unbalanced panel data for 300 MFI-year observations for the period 2007 to 2012. Design/methodology/approach Empirical research relating to governance practices in MFIs is still in its infancy, and further studies are needed to determine how improved governance practices may enhance sustainability and outreach of MFIs, especially in emerging economies. The authors use regression techniques to examine whether boa

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Felix, Nkiendem, and Essome Innocent. "To Enhance Customer Satisfaction, Measuring and Monitoring the Lead-Time Management in Microfinance Institutions in Cameroon." Journal of Economics, Management and Trade 30, no. 12 (2024): 121–29. https://doi.org/10.9734/jemt/2024/v30i121261.

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The microfinance industry (MFI) emerging from the banking sector is highly dependent on recent technology and customer service efficiency, which can drastically reduce lead times. Customers are also highly informed, and their demand expectations are high. Customers want instant solutions when it comes to financial or banking services. It is, therefore, essential for microfinance companies to effectively manage their lead times to achieve higher customer satisfaction. This study adopts the methodology of a hybrid approach consisting of a quantitative approach in examining the impact of lead tim

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Chantha, Kong, Sem Seng, Phon Ratha, and Kol Sovanvatthana. "Microfinance Institutions Performance and Economic Growth In Cambodia: an Advanced Econometric Analysis." Economics and Business Journal (ECBIS) 2, no. 5 (2024): 447–62. https://doi.org/10.47353/ecbis.v2i5.158.

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This study examines the impact of Microfinance Institutions' (MFIs) performance on economic growth in Cambodia, using annual panel data from 62 MFIs for the period 2017–2023. Employing advanced econometric techniques, the findings reveal nuanced relationships between key indicators of MFI performance and GDP growth. Notably, Non-Performing Loans (NPLs) show an unexpected positive relationship with GDP growth, highlighting the Cambodian microfinance sector's resilience in mitigating adverse effects through sustained economic activity. Inflation is also positively associated with GDP growth, sug

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Kuchena, Emmanuel, and Patricia Lindelwa Makoni. "The role of financial literacy on the growth outreach of South African microfinance institutions." International Journal of Research in Business and Social Science (2147- 4478) 12, no. 5 (2023): 197–203. http://dx.doi.org/10.20525/ijrbs.v12i5.2657.

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With the increased emphasis on financial inclusion by developing countries, the emergence, impact and sustainability of microfinance institutions (MFIs) is considered topical. This paper assesses the influence that financial literacy has on the growth outreach of MFIs, from a South African context. Using an online questionnaire, we collected data from 44 respondents, representing various MFIs in Limpopo, South Africa. In addition, interviews were conducted with four subjects from the regulatory body, MFSA. We applied panel data fixed effects regression, with binary logit component to measure r

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Fenuku, Quarshie, and Irene Afi Fenuku. "The Impact of Microfinance on Women Empowerment in the Kpone Katamanso Municpal Assembly." International Journal of Advanced Multidisciplinary Research and Studies 4, no. 6 (2024): 51–66. http://dx.doi.org/10.62225/2583049x.2024.4.6.3394.

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Microfinance is a financial service that provides small loams, savings and other financial products to individuals or groups who lack access to traditional banking services. The Kpone Katamanso Municipal Assembly which was carved out from the Tema Metropolitan Assembly with the promulgation of the Legislative instrument (L.I) 2031 was selected for the study on the impact of Microfinance Institution (MFI) on women empowerment. A descriptive approach was adopted for the study. Primary and secondary data were used. Two sets of questionnaires were administered in the study; one each for clients of

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Zainuddin, Mohammad, Masnun Mahi, Shabiha Akter, and Ida Md Yasin. "The role of national culture in the relationship between microfinance outreach and sustainability: a correlated random effects approach." Cross Cultural & Strategic Management 27, no. 3 (2020): 447–72. http://dx.doi.org/10.1108/ccsm-12-2019-0219.

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PurposeThis study investigates the role of national culture between outreach and sustainability of microfinance institutions (MFIs). Despite microfinance's deep embeddedness in cultural contexts, research on the influence of national culture on MFI performance is rather sparse. This paper seeks to fill this gap and, based on cross-country microfinance data, attempts to explain the outreach-sustainability relationship in reference to cultural factors.Design/methodology/approachAn unbalanced panel, consisting of 5,741 MFI-year observations of 1,232 MFIs from 43 countries in six regions, is drawn

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Kolloju, Adithya Kiran, and Michele Meoli. "Efficiencies of Faith and Secular Microfinance Institutions in Regions of Asia, Africa, and Latin America: A Two-Stage Dual Efficiency Bootstrap DEA Approach." Economies 10, no. 3 (2022): 66. http://dx.doi.org/10.3390/economies10030066.

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Purpose: the objective is to measure the financial and social performance of 127 microfinance institutions (MFIs) and observe the effects with explanatory factors such as “type”, “geography region”, and “secular and faith” variables. Design/methodology/approach: The time-series performance analysis of microfinance institutions is determined in two stages. In the first stage, both the social and financial efficiencies are measured with Data Envelopment Analysis (DEA) approach. The two explanatory factors along with faith and secular variables show the effect on these determined efficiencies by

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Ashraf, Ali, M. Kabir Hassan, and William J. Hippler III. "Performance of microfinance institutions in Muslim countries." Humanomics 30, no. 2 (2014): 162–82. http://dx.doi.org/10.1108/h-11-2013-0073.

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Purpose – The aim of the paper is to analyze whether performance measures and their factors for microfinance institutions (MFIs) in Muslim countries are significantly different from those in their non-Muslim counterparts, central to the Islamic scholars' argument that religious and cultural norms in Muslim countries may drive the preference of Islamic microfinance over conventional microfinance. Design/methodology/approach – Using a cross-sectional dataset of 2,138 firm-years for 754 different MFIs across 83 countries, 33 Organization of Islamic Conference (OIC) member Muslim countries and 50

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Fitriana, Widya. "Farmer Satisfaction with Financing Services at Sharia Microfinance Institutions Agribusiness (Sharia MFI-A)." Islamic Economics Journal 10, no. 1 (2024): 34–44. http://dx.doi.org/10.21111/iej.v10i1.11830.

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The total share of financing for the agricultural sector from financial institutions in Indonesia is still relatively low. It is because the agriculture sector is considered high-risk and not bankable. Even though the demand for financing from the agricultural sector is very high. Sharia MFI-A is a financing institution friendly to farmers because it has Sharia principles and shares risks. The loyalty of its customers determines the sustainability of this business. Service quality and customer expectation are affect customer satisfaction. This study aims to analyze service attributes considere

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Laksmi, Ni Kadek, and Thomas Soseco. "Do Multifinance Institutions Matter for Poverty Reduction? Evidence from Indonesia." Jurnal Ekonomi Pembangunan 22, no. 1 (2024): 29–40. http://dx.doi.org/10.29259/jep.v22i1.23095.

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Microfinance Institutions (MFIs) can help reduce poverty by offering small loans to people who cannot get bank loans due to lack of collateral. However, in Indonesia, access to microfinance institutions is unequally distributed, as shown by the establishment of MFIs in Indonesia, which covers only 22 out of 34 provinces. This condition limits their impact on poverty reduction. This study examines how access to MFIs and the loans they provide affect poverty rates in Indonesia, using cross-sectional data from 22 provinces between 2016 and 2022. The results show that access to MFIs and the loans

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Prananingtyas, Paramita, and Hari Sutra Disemadi. "Legal Consequences of Dualism Regulations on Micro Waqf Bank as a Sharia Microfinance Institutions in Indonesia." Varia Justicia 16, no. 1 (2020): 1–14. http://dx.doi.org/10.31603/variajusticia.v16i1.3205.

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The presence of types of financial institutions in Indonesia makes it easy for people to choose which financial services they need. Micro Waqf Bank is one of the Microfinance Institutions that applies sharia principles that are currently growing and developing. However, there are legal issues related to arrangements for organizing a Micro Waqf Bank with a cooperative legal entity, namely, there are two overlapping regulations, namely the Microfinance Institution legislation, and Cooperative regulations. The purpose of this study is necessary to find out whether the legal consequences arising i

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Javellana, Mila Rose D., and Melecio A. Sy Jr. "The Sustainability Model of Microfinance Institutions." International Journal of Research and Scientific Innovation XI, no. II (2024): 241–53. http://dx.doi.org/10.51244/ijrsi.2024.1102019.

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The sustainability of microfinance institutions is crucial in fostering financial inclusion and economic development, particularly in developing countries. The purpose of this study is to establish the best-fit model for the sustainability of Micro Finance Institutions. Thus, it is important to look into the sustainability of MFIs. This quantitative study employs a structural equation model to assess the relationships among the exogenous and endogenous variables and establish the best-fit model as its purpose. The respondents were 300 MFI managers and employees with supervisory positions. The

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Mowu, Kofi, and Hamadou Boubacar. "Internal Governance Mechanisms and Performance of Microfinance Institutions in Togo." Archives of Business Research 11, no. 4 (2023): 15–32. http://dx.doi.org/10.14738/abr.114.14396.

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Despite the boom in microfinance in Togo, the sector is seriously shaken by serious crises that threaten its performance and cast doubt on its sustainability. To explain performance crises to which microfinance institutions are subject, governance is regularly mentioned. This paper aims to identify internal governance mechanisms that can influence microfinance institutions’ performance in Togolese context. It is found out at the end of this paper that board of directors (the board size, presence of women on the board, duration of directors’ term of office and frequency of board meetings) influ

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ANNIM, SAMUEL KOBINA. "TARGETING THE POOR VERSUS FINANCIAL SUSTAINABILITY AND EXTERNAL FUNDING: EVIDENCE OF MICROFINANCE INSTITUTIONS IN GHANA." Journal of Developmental Entrepreneurship 17, no. 03 (2012): 1250016. http://dx.doi.org/10.1142/s1084946712500161.

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This study tests the hypotheses that: (i) formal microfinance institutions (MFIs) using their own mobilized financial resources (based on owners' equity, commercial lending or deposits) for on-lending reach non-poor clients and (ii) concentrating on the achievement of financial sustainability causes an institution to target non-poor clients. Using data on 2,691 MFI clients and non-clients from Ghana, we revisit the microfinance argument of serving poorer clients and sustainability, and in addition examine the effect of the source of funds and type of institution on the financial and social obj

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Nyamsogoro, Ganka Daniel. "Financial Sustainability of Microfinance Institutions at Growth Stage: Do Lending Terms Matter?" Afrika Focus 34, no. 1 (2021): 50–74. http://dx.doi.org/10.1163/2031356x-34010005.

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Abstract The financial sustainability of microfinance institutions (mfi s) is crucial if their benefits are to be enjoyed in the long run. This study investigated the determinants of mfi s’ financial sustainability at growth stage. The study aimed to address the following questions: are factors influencing financial sustainability at maturity equally important at growth stage? What influence do lending terms have on financial sustainability at growth stage? The study used panel regression models and four-year survey data from 106 rural mfi s in Tanzania. Decomposition of lending types was adop

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EPSTEIN, MARC J., and KRISTI YUTHAS. "THE CRITICAL ROLE OF TRUST IN MICROFINANCE SUCCESS: IDENTIFYING PROBLEMS AND SOLUTIONS." Journal of Developmental Entrepreneurship 16, no. 04 (2011): 477–97. http://dx.doi.org/10.1142/s1084946711001951.

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Trust is the basis of many aspects of microfinance operations and is a critical determinant of microfinance success. Trust governs interactions within borrowing groups, between clients and loan officers and between clients and institutions. To effectively address the many strategic challenges microfinance institutions (MFIs) face, they must design control systems that address low levels of interpersonal and institutional trust in their target populations. By increasing focus on trust, MFIs can significantly improve their financial sustainability and social impact. This paper examines trust and

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MUKHERJEE, SASWATEE. "A COMPARATIVE ANALYSIS OF INTEREST RATES: FORMAL SECTOR BANKS, LOCAL MONEYLENDERS AND MICROFINANCE INSTITUTIONS." Journal of Developmental Entrepreneurship 18, no. 01 (2013): 1350007. http://dx.doi.org/10.1142/s1084946713500076.

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This study examines the interest rate differences paid to a bank, a Micro Finance Institution (MFI) and a local moneylender. In a multi-period lending contract, a borrower discounting the future income stream at a constant rate is willing to pay the highest interest rate to the local moneylender, comparatively lower rate to a MFI and the lowest to a formal sector bank. In other words, if the interest rate charged by each of the three lenders is the same, the repayment rate will be highest for a moneylender followed by a MFI and the lowest for a formal sector bank.

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Ridwan, Mohammad ridwan. "Aturan Hukum Lembaga Keuangan Mikro Syariah (Bmt Dan Koperasi Syariah) Beserta Akad Akadnya." At-Tasyri': Jurnal Hukum dan Ekonomi Syariah 3, no. 2 (2023): 62–71. http://dx.doi.org/10.55380/tasyri.v3i2.401.

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Law No. 1 of 2013 concerning Microfinance Institutions was born, LKMS in Indonesia are known as Baitul Mal wa Tamwil (BMT) or Sharia Savings and Loans and Financing Cooperatives (KSPPS) which are generally incorporated as cooperatives. Based on sharia principles, cooperatives are legally incorporated under the supervision of the ministry of cooperatives and small and medium enterprises. The existence of this dualism of legal regulations has led to overlapping regulations, supervision and guidance by related agencies, as well as contradictions in the regulations between one another. This legal

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Appiah, Ebenezer, Deborah Darko Ampeah, and Wonder Agbenyo. "Investigating Factors that Influence SME’s Choice of Services Rendered by Microfinance Institutions: Evidence from La-Nkwantanang Municipality in Ghana." International Journal of Economics and Finance 11, no. 2 (2019): 98. http://dx.doi.org/10.5539/ijef.v11n2p98.

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There is a recent wave of collapsing Microfinance Institution&rsquo;s in Ghana which causes SMEs to think critically about the MFI&rsquo;s they choose to bank with. This has given birth to the investigation of factors that influence SMEs choice of services rendered by microfinance institutions in Ghana. The study adopted the descriptive research design. Stratified random sampling technique was used to select the SMEs for this study and data was collected from a sample of 384 using questionnaires and 279 were returned. The study revealed that electronic banking, convenience and security

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Manahan, Hugh. "Private Equity Investments in Microfinance in India." Michigan Business & Entrepreneurial Law Review, no. 4.2 (2015): 293. http://dx.doi.org/10.36639/mbelr.4.2.private.

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A trail connects a skyscraper in Manhattan’s Financial District to a tiny food stand in a village in the southeast Indian state of Tamil Nadu. Initially wild and overgrown, the trail now resembles a well-developed road, cleared and shaped. The trail does not connect customers to call centers or raw materials to laborers; the path connects lenders seeking abnormal returns on their investments to borrowers living in poverty. This is the path of private equity investments in microfinance. Microfinance is a powerful financial innovation that has changed personal finance in many parts of the world.

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George Gachuru. "Effect of Customer Security on Performance of Online Banking on Microfinance Institutions in Nakuru Town, Kenya." Editon Consortium Journal of Business and Management Studies 2, no. 1 (2020): 49–55. http://dx.doi.org/10.51317/ecjbms.v2i1.120.

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The study aimed at determining the effect of customer security on the performance of online banking on microfinance institutions in Nakuru CBD. The study is significant to the Microfinance Institutions in that; it will benefit management and staff of MFI and the government understudy by gaining insights into how their institution can effectively deal with the challenges that they face in managing their clients and ensuring they grow their business. The increasing number of consumers of online banking shows that the level of adoption of online banking has improved. Several variables can influen

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George Gachuru. "The Effect of Employee Competence on Performance of Microfinance Institutions in Nakuru Town, Kenya." Editon Consortium Journal of Business and Management Studies 2, no. 1 (2020): 40–48. http://dx.doi.org/10.51317/ecjbms.v2i1.118.

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The study was carried out to establish the effect of employee competence on the performance of microfinance institutions in Nakuru CBD. The study is significant to the MFI in that it will benefit management and staff of MFI and the government understudy by gaining insights into how their institution can effectively deal with the problems that they encounter in managing their clients and to ensure they grow their business. A survey design was used for the study. The target population comprised of 35 respondents. These were Branch managers, Chief Credit officer/s and the IT support of the MFI in

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Odhrani, Jaydeep. "Evaluating the Impact of Microfinance on Socioeconomic Development in India: A Comprehensive Assessment." International Journal of Social Science and Economic Research 09, no. 10 (2024): 4340–50. http://dx.doi.org/10.46609/ijsser.2024.v09i10.024.

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Given that access to conventional financial services is rather limited, particularly in rural areas, microfinance serves as a significant driver of social and economic development. The purpose of this study is to analyze the effect of microfinance, with a focus on self-help groups (SHGs) and microfinance institutions (MFIs), in tackling poverty, women empowerment, and financial inclusion in India. This study, based on secondary sources and the analysis of such, shows that programs like the SHG-Bank Linkage Program have enabled low-income households to access credit and led to improved income g

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

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

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Thalib, Prawitra, Sri Hajati, Faizal Kurniawan, and Komari Aldiansyah. "THE URGENCE REGULATION OF BUSINESS ACTIVITIES ON ISLAMIC MICROFINANCE INSTITUTION ACCORDING LAW NO. 1 YEAR 2013 OF MICROFINANCE INSTITUTIONS." Arena Hukum 14, no. 2 (2021): 207–21. http://dx.doi.org/10.21776/ub.arenahukum.2021.01402.1.

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Microfinance Institutions (hereinafter referred to as MFIs) are financial institutions that function as intermediary institutions that aim not only to seek profit, but have another goal, namely social goals whose activities are more community development. MFIs in conducting business activities can be carried out conventionally or based on Sharia Principles. The business activities carried out by MFIs include trading activities, namely in the service sector. In carrying out Shariah MFI business activities, it must be based on Sharia Principles. The method used in writing this article is normati

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Sheikh, Mohmad Arif, and Iqbal Dr.Javed. "THE IMPACT OF MICROFINANCE PROGRAMS ON ENTREPRENEURIAL DEVELOPMENT IN RURAL AREAS OF JAMMU AND KASHMIR." Wesleyan Journal of Research 14, no. 07 (2021): 9. https://doi.org/10.5281/zenodo.8126032.

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The impact of microfinance Programs on the entrepreneurial development of small scale enterprises looking for growth and development in Jammu and Kashmir is investigated in this study. The main data collection instrument for the study was a questionnaire. The data was presented using tables and basic percentages. The research focuses on two broad variables: entrepreneurship development and microfinance Programs, which are the dependent and independent variables, respectively. Two hypotheses were developed and evaluated using a variety of statistical methods, including the chi-square test and a

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Abeysekera, Ruwan. "The Nexus between Co-production and Willingness: Business Counselling in the Microfinance Sector." Financial Markets, Institutions and Risks 4, no. 2 (2020): 43–51. http://dx.doi.org/10.21272/fmir.4(2).43-51.2020.

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Microfinance plays a vital role to alleviate poverty through the development of micro-enterprises. Microfinance Institutions (MFIs) provide services such as microcredit, savings, insurance, and business development services (BDS) to their clients. BDS are non-financial services such as business training, market linkages, and information services which are provided by Microfinance Institutions (MFIs) to its clients. BDS helps owner-managers improve sales and profits and enable MFIs to achieve higher loan repayment rates and higher potential for client retention. The counselors of MFIs provide B

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Adusei, Michael. "Female on boards and the risk-taking of microfinance institutions: The moderating role of outreach." Corporate Board role duties and composition 16, no. 2 (2020): 19–34. http://dx.doi.org/10.22495/cbv16i2art2.

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This study examines the effect of female on boards on risk-taking with data from 401 microfinance institutions (MFIs) drawn from 64 countries. The study also investigates whether the effect is sensitive to the outreach performance of MFIs. The MFIs sampled for this study are spread across the six MFI regions. The study measures MFI risk by its risk-taking Z-score and risk-adjusted return on assets. The fixed effects estimation technique, known to overcome the omitted variable bias, is deployed to analyze the data. The results show that female representation in the boardroom increases the risk-

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Banda, Moses, Peter Ngatia, Robert Gichira, and Joseph Gitari Ndururi. "Cultural Entrepreneurship as a Driver of Financial Performance in Kenya’s Regulated Microfinance Sector." European Journal of Management, Economics and Business 2, no. 2 (2025): 170–81. https://doi.org/10.59324/ejmeb.2025.2(2).16.

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Microfinance institutions (MFIs) in Kenya have played a crucial role in providing financial services to underserved populations. They have contributed to poverty alleviation and economic development. However, as the microfinance sector evolved, MFIs faced increasing pressure to address sustainable entrepreneurship considerations in their operations. The integration of sustainable entrepreneurship presents both opportunities and challenges for MFIs, as they aim to balance financial and social sustainability with social impact. Therefore, understanding the relationship between cultural entrepren

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Moses, Banda, Ngatia Peter, Gichira Robert, and Gitari Ndururi Joseph. "Cultural Entrepreneurship as a Driver of Financial Performance in Kenya's Regulated Microfinance Sector." European Journal of Management, Economics and Business 2, no. 2 (2025): 170–81. https://doi.org/10.59324/ejmeb.2025.2(2).16.

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Microfinance institutions (MFIs) in Kenya have played a crucial role in providing financial services to underserved populations. They have contributed to poverty alleviation and economic development. However, as the microfinance sector evolved, MFIs faced increasing pressure to address sustainable entrepreneurship considerations in their operations. The integration of sustainable entrepreneurship presents both opportunities and challenges for MFIs, as they aim to balance financial and social sustainability with social impact. Therefore, understanding the relationship between cultural entrepren

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Saravanan, S., and M. Chithra. "Adaptation of Digital Payment System among Rural Consumers in Enhancing the Performance of the MFI." Shanlax International Journal of Arts, Science and Humanities 11, S1-June (2024): 59–65. http://dx.doi.org/10.34293/sijash.v11is1-june.7791.

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This research investigates the integration of digital payment systems among rural consumers to enhance the performance of microfinance institutions in Thanjavur district. The findings reveal a significant acceptance of digital payment systems by both Microfinance Institutions (MFIs) and their consumers, highlighting the ease of use and suitability of these systems. Moreover, various facilities such as Automated Teller Machines (ATMs), internet payments, debit and credit cards, and mobile apps are gaining traction. This underscores the urgency for financial institutions to further promote digit

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