Academic literature on the topic 'Microfinance organisations'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the lists of relevant articles, books, theses, conference reports, and other scholarly sources on the topic 'Microfinance organisations.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Journal articles on the topic "Microfinance organisations"
1
Azim, Mohammad I., Kuang Sheng, and Meropy Barut. "Combating corruption in a microfinance institution." Managerial Auditing Journal 32, no. 4/5 (April 4, 2017): 445–62. http://dx.doi.org/10.1108/maj-03-2016-1342.
Full textAbstract:
Purpose Combatting corruption is an important social and commercial issue in most human societies. Many researchers have revealed how an effective anti-corruption practice can possibly minimise corruption in an organisation. However, studies focusing on organisations which are relatively successful in managing corruption at the employee level are relatively rare. On this note, this study aims to focus on Grameen Bank in particular, a Nobel-Prize-winning microfinance institute that was able to minimise its level of corruption among its employees in a country where corruption is the norm. Design/methodology/approach This paper uses standard economic theory to explain the perceptions and behaviours of the employees of Grameen Bank who live and work in a highly corrupt socio-cultural environment. This paper used questionnaires to ascertain the perceptions of Grameen Bank employees’ notions regarding corruption-combating behaviours. Interviews were also conducted among Grameen’s board members, managers and officers to further explore the nature and effectiveness of this organisation’s anti-corruption mechanisms. Findings Corruption can never be entirely eradicated; however, it can be diminished and opportunities for corruption can be minimised. This paper found, through an analysis of employees’ perceptions relating to governance and corruption in the Grameen Bank, that corruption exists, but there are systems in place to prevent it and to assist with staff morality. This research also uncovered a number of best practices in Grameen Bank’s governance to minimise corrupt behaviours, which include, but are not limited to, strong monitoring, decentralisation of authority, review of decision-making process, high internal audit intensity, impersonal punishment, anti-corruption cultures and transparency. Originality/value This study suggests that it is possible for organisations to resist corruption, especially microfinance institutions, even when they operate in a highly corrupt socio-cultural environment.
2
Engel, Susan, and David Pedersen. "Microfinance as poverty-shame debt." Emotions and Society 1, no. 2 (November 1, 2019): 181–96. http://dx.doi.org/10.1332/263168919x15653391247919.
Full textAbstract:
In an excellent anthropological study of microfinance in Bangladesh, <xref ref-type="bibr" rid="CIT0028">Karim (2008: xviii)</xref> argues that it operates as ‘an economy of shame’. That is to say, microfinance is not the benign tool for financial inclusion and empowerment that mainstream development organisations proclaim. Rather, it unintentionally (perhaps) but nevertheless actively deploys shaming techniques in order to maximise loan repayment rates. Karim, however, does not employ an explicit analysis of shame; instead she emphasises its disciplining power for rural women in Bangladesh. Our article builds on this insight but applies a specific psychosocial approach to shame that critically examines a number of the emotion’s harmful practices and outcomes, especially when deployed within microfinance practice. It highlights that microfinance personalises and socialises people’s debt relations, making them a matter for group concern, but that at the same time money-debt’s impersonalising nature results in coercive and disciplinary actions that would otherwise be seen as intolerable. We demonstrate how the active shaming of microfinance participants all too often degenerates into human rights abuses, including violence. The shame of debt and the active shaming that facilitates microfinance’s high repayment rates harms the psychosocial wellbeing of those being shamed as well as their families, and can be linked to a range of concerning outcomes including self-harm and suicide. To conclude, we explore whether the coercion by shame and shaming of microfinance may be linked to its growing use in other areas of development programming.
3
Kibatshi, Marcel Kamba. "Microfinance and the Fight Against Poverty in the Democratic Republic of Congo." Journal of Advance Research in Business Management and Accounting (ISSN: 2456-3544) 4, no. 8 (August 31, 2018): 01–15. http://dx.doi.org/10.53555/nnbma.v4i8.32.
Full textAbstract:
Studying both the Congolese and Cameroonian cases, this article shows that beyond some normalisation, microfinance prompts some very distinctive ways of appropriation. The authors wonder about the role of states as “ferrymen” of the word “microfinance”. They question the ability and the freedom of organisations and local authorities to put in place microfinance schemes. In a first section, the paper underlines the normative conception going with the term “microfinance”. In a second and third sections it discusses the circulation of the term and the manufacture of practices in the Democratic Republic of Congo and Cameroon. It comes to the conclusion that despite the eventual enforcement of practices and social norms, microfinance has to acclimatize itself to divergent social, political and even religious practices.
4
Oni, Kehinde, Mukaila Ayanda Aremu, and Taiwo Ogunniran. "Impact of Corporate Social Responsibility on Microfinance Banks’ Performance in Ogbomoso, Oyo State, Nigeria." Technium Social Sciences Journal 31 (May 9, 2022): 553–74. http://dx.doi.org/10.47577/tssj.v31i1.6380.
Full textAbstract:
Over the years, few organisations are gradually coming to terms with the pertinence and essentiality of the strategic and pregnable tool of Corporate Social Responsibility (CSR) in the attainment of organisational goals. While some are facing various issues while adopting CSR practices, others are yet to know which CSR activities is best to adopt based on their physical needs. Therefore, this study empirically investigates the role of CSR in the attainment of organisational performance in Ogbomoso Microfinance Bank (MFB). Four research objectives on the relationship between CSR and key important aspect of MFB in Ogbomoso were deployed to 80 employees across Ogbomoso MFB using survey research design. Different analysis such as descriptive statistics, Pearson’s Correlation and regression analysis and T-square with the aid of SPSS were used for the analysis of this survey. The findings revealed that there is a significant correlation between CSR and effectiveness of organisational performance as well as employees and environments. The analysis of the CSR and organisation performance recorded a F-statistics value of 3.648 and p-value of 0.005<0.05. The study also found out that the participation of MFBs in CSR activities is somewhat low based on the statistical analysis which recorded a T-value of 0.263 < 1.96 with significance ratio of 0.793 > 0.05 which indicates that each of the microfinance bank in Ogbomosho spend less than 10% of their profit on CSR activities. Therefore, the study recommends that Ogbomoso MFB should proactively involve in CSR for a significant contribution to productivity and stability.
5
Jumpah, Emmanuel Tetteh, Yaw Osei-Asare, and Emmanuel Kodjo Tetteh. "Do farmer and credit specific characteristics matter in microfinance programmes’ participation? Evidence from smallholder farmers in Ada west and east districts." Agricultural Finance Review 79, no. 3 (June 3, 2019): 353–70. http://dx.doi.org/10.1108/afr-05-2018-0044.
Full textAbstract:
Purpose Users of smallholder farmer microfinance are able to make enough returns to repay credits advanced to them. However, they are in dire need of financial capital such that they are inconsiderate of farmer- and credit-specific characteristics when participating in a microfinance programme. This study analyses perceptions of stakeholders regarding select farmer and credit characteristics within the microfinance industry. The study identifies and analyses the factors that influence participation in a microfinance programme by farmers using the logistic regression model. The purpose of this paper is to widen the knowledge base of rural agricultural finance, including factors that influence participation in microfinance intervention(s) thereof. Design/methodology/approach A total of 104 participants and 120 non-participant farmers in microfinance programmes were interviewed using a semi-structured questionnaire by applying the multistage sampling technique. The paper applied the logistic regression model in which farmer- and credit-specific characteristics were used to estimate the probabilities of participation. Findings The logistic regression results showed that distance, interest rate, experience, membership of farmer-based organisation, number of dependants, household, gender and age were statistically significant farmer- and credit-specific characteristics that influence participation in microfinance programmes. Interest rate and distance exact negative significance influence on participation, whereas membership of farmer-based organisations, experience, gender, household head and age influence participation positively. Reduction in the interest rate and expansion of microfinance to very remote areas rather than locations in urban areas are crucial in terms of improving participation. Research limitations/implications The paper used data from only farmers so there is a limit to which the results can be generalised for all microfinance users. It may be relevant to undertake a study that considers non-farm enterprises. Practical implications This paper brings to light the need to develop well-structured microfinance facilities that meet the specific needs of the rural poor in transitioning economies while taking into consideration critical factors affecting participation before the establishment of such programmes. Originality/value This paper provides empirical evidence to show that farmer- and credit-specific characteristics are essential to ensure participation and success of microfinance programmes thereof.
6
Thrikawala, Sujani, Stuart Locke, and Krishna Reddy. "Social Performance of Microfinance Institutions (MFIs): Does Existing Practice Imply a Social Objective?" American Journal of Business and Management 2, no. 2 (May 30, 2013): 173. http://dx.doi.org/10.11634/216796061706285.
Full textAbstract:
Many microfinance institutions (MFIs) are currently drifting away from their original mission of alleviating poverty. The objective of this article is to identify and update significant social performance (SP) for micro-finance institutions (MFIs) by viewing social performance measures as a way to address the development of MFIs. Unlike traditional performance measurements, social performance measurements are more allied with the organisation’s social and development goals. This study has therefore reviewed prior empirical studies and consultancy reports dealing with poverty alleviation to determine important social performance measurements for MFIs to achieve their social goals. Further, this study scrutinises 415 MFIs that have reported their social performance in the Microfinance Information Exchange (MIX) database in 2008 and 2009. The findings have revealed that from 2008 to 2009 the number of MFIs reporting social performance increased by 72 per cent; 80 per cent of them are Non-governmental Organisations (NGOs) and Non-banking Financial Institutions (NFBIs). This study therefore provides direction for future research in performance assessment, balancing social and financial objectives in the microfinance industry. It is also a step in conducting more research and recommending regulation of the social performance of MFIs that will require them to engage in more empirical research work using micro-econometrics techniques in the future to support the available conceptual literature.
7
Hussain, A. H. M. Belayeth. "Disciplining Microfinance Borrowers in Bangladesh." Social Change 49, no. 3 (September 2019): 453–68. http://dx.doi.org/10.1177/0049085719863890.
Full textAbstract:
Based on expert interviews, this study aims to explore different components of cultural and administrative apparatuses, showing the disciplinary methods of microfinance organisations that work on submissive borrowers. Six policy officials of two microfinance institutions (MFIs) Bangladesh Rural Advancement Committee and Bangladesh Rural Development Board – and two experts from different institutions were interviewed for this purpose. Following established way of analysing expert interviews, the study concentrates on the experts’ own wording and interfaces them with theoretical and conceptual positions. Among various sets of dispositif, an ensemble of elements of an apparatus, the culture of loyalty to saviours, the discourse of empowerment, regulatory decisions and policies of MFIs, a culture of repayment habits, usage of technical measures and accessing asymmetric information of borrowers are important in the power exerting process of the microfinance industry in Bangladesh.
8
Mersland, Roy, and Reidar Øystein Strøm. "Performance and trade‐offs in Microfinance Organisations—Does ownership matter?" Journal of International Development 20, no. 5 (July 2008): 598–612. http://dx.doi.org/10.1002/jid.1432.
Full text
9
Chunga, Richard, M. W. Jenkins, Jeroen Ensink, and Joe Brown. "Moving up the sanitation ladder with the help of microfinance in urban Malawi." Journal of Water, Sanitation and Hygiene for Development 8, no. 1 (December 8, 2017): 100–112. http://dx.doi.org/10.2166/washdev.2017.186.
Full textAbstract:
Abstract We carried out a stated preference survey in Malawi to examine whether access to microfinance for sanitation would significantly increase the proportion of households upgrading to improved pit latrines or alternative improved sanitation technologies (urine diverting dry toilet, fossa alterna, pour flush). We presented a range of sanitation options at local market prices, initially without and then with a real microfinance option, to 1,300 households sampled across 27 low-income urban settlements in the two largest cities, Lilongwe and Blantyre. When we gave respondents a microfinance option, the proportion of households stating an intention to install improved and unimproved pit latrines decreased significantly, while the proportion stating an intention to upgrade to alternative improved sanitation technologies increased significantly. However, households in the lowest wealth quintile were more likely to state a preference for unimproved pit latrines, suggesting that the benefits of microfinance for sanitation may not accrue equally across wealth strata. Organisations seeking to improve access to safely managed sanitation by promoting alternative sanitation technologies would succeed if households have access to affordable alternative sanitation technologies and microfinance for sanitation. However, poorer households would need more affordable improved sanitation technologies, flexible microfinance options and possibly targeted subsidies to gain access to safely managed sanitation.
10
Jain, Rinku, Rupali Paranjpe, Prerna Manik Mahindroo, and Kirti Arekar. "Impact of microfinance on enhanced wellbeing of self-help group women in post-COVID scenario." Model Assisted Statistics and Applications 17, no. 4 (December 5, 2022): 265–71. http://dx.doi.org/10.3233/mas-220407.
Full textAbstract:
In the past few years, Microfinance has been usually contemplated as an effective strategy instrument in the fight against poverty. The SHG women situation in India has been particularly difficult during COVID-19. It had distressing consequences on SHG women life, their income making activities and livelihoods. Therefore, the question arises whether Microfinance credit leads to poverty reduction and improve their decision-making ability in the post COVID era. To address this question, the present study undertakes to identify the impact of Microfinance, Micro Credit and Savings on the Decision making ability of SHG women in the post COVID era. A number of non-governmental organisations (NGOs) provide micro-finance programmes to women in need in order to gain access to credit and savings services. In the current research, the NGO named ‘Peetambra Foundation’ registered in 2008 in Pink City Jaipur, Rajasthan is instrumental in providing data related to SHG women registered with them. Total 306 SHG women were surveyed in the nearest village of Jaipur city. The findings revealed positive but insignificant impact of Microfinance on Financial improvement. In addition, Financial improvement has a both negative and significant impact on the Decision Making ability.
Dissertations / Theses on the topic "Microfinance organisations"
1
Mia, Mohammad Badruddozza. "ICT-based information systems and organisational change in microfinance organisations." Thesis, Open University, 2013. http://oro.open.ac.uk/54684/.
Full textAbstract:
Microfinance has been used as a means of alleviating poverty for many years. A large number of organisations implement microfinance, covering a significant proportion of the world population. This study looks into the information systems (IS) of microfinance following an interpretive epistemological philosophy, drawing on research approaches within the fields of IS and organisational studies. It is based on an in-depth comparative case study in six micro finance organisations with different features and characteristics, combined with a questionnaire survey covering fifty-eight microfinance organisations of Bangladesh. Drawing on phenomena observed in microfinance this study analyses how lCT plays a role in shrinking organisational structure, enhancing the span of supervision and operational performance, and centralisation of delegation of authority. It identifies how key aspects of the context including financial, human resources, technological, regulatory, and national culture impact upon the IS of microfinance in Bangladesh, and block implementation of ICT -based IS . The findings on different positive and negative implications of the use of ICT on the personal, social and gender perspectives and job satisfaction of the human resources inform and add value to the existing body of knowledge. With an aim to contribute to the field of ICT4D, this study examines the use of ICT in combating corruption in microfinance and argues that along with the use of ICT, an ethical ambiance and administrative reforms are required to prevent corruption more effectively. It also argues that the adoption of emerging mobile phone-based microfinance will radically change the conventional operational model and its IS, with profound implications for the material aspects, but that it can also be detrimental to the social performance of this development programme.
2
Waweru, Ruth Wambui. "Competitive strategy implementation in microfinance organisations in Kenya." Thesis, Nelson Mandela Metropolitan University, 2013. http://hdl.handle.net/10948/d1020815.
Full textAbstract:
Poverty is a major challenge in most developing countries. Key challenges of the government are to alleviate poverty and propel citizens toward wealth creation through development of enterprises across all sectors and to address the problem of unemployment. In Kenya, the SME sector comprises of about 99% of private sector enterprises and is prolific in employment and wealth creation. Despite this critical role played by SMEs in growing the economy, they remain outside the formal banking sector, especially in Africa. Although the number of MFOs since the 1980s has increased, the demand for financial services is largely unmet. However, MFOs are increasingly experiencing competition from new entrants and commercial banks that have developed financial models to target SMEs. MFOs are required to formulate and implement competitive strategies to enable them achieve sustainable growth and compete with commercial banks. However, strategy implementation is generally accepted as a challenge across organisations and it is often easier to formulate strategies than implementing it. Despite the need to address strategy implementation challenges across organisations, there is a greater focus by practitioners and researchers regarding strategy formulation than implementation. Consequently, this study aimed at assessing the level of strategy implementation in MFOs and factors that affect strategy implementation in MFOs. The ultimate objective was to develop a hypothetical model that could be used to improve strategy implementation in microfinance organisations in Kenya. This quantitative study used purposive sampling to select MFOs that are members of the Association of Microfinance Institutions (AMFI) in Kenya, completing a selfadministered structured questionnaire. In total, 135 MFOs were involved in this study and a total sample size of 300 managers was used in this study. This study considered fourteen factors to have an influence on the level of strategy implementation of MFOs in Kenya and hence fourteen null-hypotheses were formulated and tested. The content factors included stakeholder involvement in strategy development and the quality of strategies. The context factors included organisational structure and culture, strategic leadership and alignment of strategy to market conditions. The operational process factors included operational planning, monitoring and review of progress, teamwork, resources allocation, people-strategy fit, effective communication, strategic and management control systems and information resources. It is assumed that if all these critical strategy implementation factors are addressed, MFOs should be able improve their level of strategy implementation, ultimately leading to improved performance. The outcome factors considered were improved financial sustainability and outreach of MFOs. Advanced statistical analyses were used to analyse the data, such as factor analysis, regression and correlation analysis to assess the hypothesised relationship between the dependent and independent variables of this study. The empirical results revealed that the level of strategy implementation in MFOs in Kenya is moderate to high and content, context and operational factors do have an influence on the level of strategy implementation. However, operational factors have a more significant positive linear relationship with level of strategy implementation than the other two factors. There is also a positive relationship between the level of strategy implementation and financial sustainability and outreach by MFOs. This study has contributed to the existing body of knowledge by developing a hypothetical model that can be utilised by MFOs as well as other organisations to improve the level of strategy implementation resulting in better performance. The findings of the study can also inform strategy formulation and implementation of MFOs in Kenya, but also in other developing countries, to become more competitive. This study could also help MFOs and other organisations to put in place structures, systems, people and other resources required to attain a high level of strategy implementation. This study provides useful and practical guidelines in dealing with content, context and operational factors affecting strategy implementation in any organisational setting.
3
Dorado-Banacloche, Silvia. "Social entrepreneurship : the process of creation of microfinance organisations in Bolivia." Thesis, McGill University, 2000. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=36916.
Full textAbstract:
This dissertation studies the origin of new organisational forms. It focuses on organisations that challenge existing institutional boundaries, specifically the boundaries between for profit and not for profit providers of financial services. It builds on research on the origins of the microfinance industry in Bolivia; and particularly on the creation and development of BancoSol and Los Andes, the two pioneering organisations. This research involved in-depth interviews and analysis of industry-specific documents and newspaper files.The study builds on three research streams: collective strategy, institutional theory, and evolutionary entrepreneurship. It proposes an overarching process-model that bridges these three bodies of work and advances our understanding of three key dynamics in the creation of new organisational forms: (1) the combination of hitherto unconnected principles and practices; (2) the leverage of support and acceptance for new organisational forms; and (3) the development of endurance for the new form.
The study argues that these three dynamics occur within a nonlinear process that includes three overlying stages. The first stage involves the creation of an entrepreneurial team to launch the organisations. This team includes individuals from fields with divergent principles and practices (e.g. for profit and not for profit). The second stage involves negotiations with institutional actors to leverage support and acceptance for the novel organisational form. The third stage involves decisions, actions, and interactions that promote internal coalescence and defend the organisations from external challenges. I have labeled this process-model social entrepreneurship. The process is predominantly social as the three dynamics are defined by the social assets and relations of actors. It is predominantly entrepreneurial as it destroys existing boundaries across fields and generates an enduring combination of principles and practices previously unconnected.
4
Sarr, Babacar. "Les choix des parties prenantes dans les organisations de microfinance au Sénégal." Thesis, Bourgogne Franche-Comté, 2019. http://www.theses.fr/2019UBFCB002.
Full textAbstract:
Devant le constat que les organisations africaines fonctionnent selon les principes universels (occidentaux), mais que de tels principes méconnaissent souvent les spécificités africaines, ce travail se propose de faire le rapprochement entre théorie occidentale et spécificités africaines. Ce travail doctoral examine un modèle occidental, celui de Mitchell et al. (1997), enl’appliquant à la gouvernance des organisations de microfinance au Sénégal. De nombreuses recherches expliquent que les dérives des organisations de microfinance sont liées à des problèmes de gouvernance. De plus, plusieurs recherches s’appuient sur le concept de parties prenantes comme fondement de la gouvernance des organisations de microfinance. Enfin, lemodèle de Mitchell et al. (1997) est cité comme l’une des typologies les plus pertinentes dans la littérature sur la théorie des parties prenantes. L’objectif de cette thèse est donc de tenir compte des spécificités traditionnelles et culturelles sénégalaises en utilisant l’approche du modèle de Mitchell et al. (1997). A partir, d’une étude qualitative basée sur 24 entretiens, effectués auprès des dirigeants des organisations de microfinance au Sénégal dans la région de Dakar, nous mettons en évidence que les théoriesoccidentales, en particulier le modèle de Mitchell et al. (1997), ne peuvent s’appréhender qu’en fonction d’un contexte institutionnel lié à un territoire, à la tradition qui s’y exerce et aux acteurs spécifiques qui la font vivre. De surcroît, prendre en compte les aspectstraditionnels et locaux peut amener à repenser le rôle des organisations de microfinance (création de valeur et répartition du surplus) et les mécanismes de contrôle à mettre en œuvre pour limiter les dérives clientélistes ou les détournements de fondsAs African organizations operate according to universal principles (Western) while such principles often ignore African specificities, this study proposes to relate Western theory to African specificities. This doctoral study examines a Western model, the Mitchell and al. (1997)’s model, applied to the governance of microfinance organizations in Senegal. Many researches explain that microfinance organizations’ problems are related to corporate governance difficulties. Moreover, most studies consider that the concept of stakeholder is the foundation of the governance of microfinance organizations. Finally, the model of Mitchelland al. (1997) is cited as one of the most relevant typologies in the stakeholder theory literature. The objective of this thesis is to integrate Senegalese traditional and cultural specificities in the model of Mitchell et al. (1997) applied to the governance of microfinance organizations in Senegal. From a qualitative study based on 24 interviews conducted with the leaders of microfinance organizations in Senegal in the Dakar region, we highlight that Western theories, in particular the model of Mitchell et al. (1997) can only be understood inside an institutional context linked to a territory, the tradition that is exercised there and the specificactors that make it live. In addition, taking into account the traditional and local aspects leads to a new thinking of both the role of microfinance organizations (value creation and distribution of the surplus) and the control mechanisms that are to be implemented to limit patronage drift or misappropriation of funds
5
Juhlin, Lagrelius Hannes. "Following Best Practices in Microfinance: The case of Disabled People’s Organisations in Nepal." Thesis, Linnéuniversitetet, Institutionen för samhällsstudier (SS), 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-58274.
Full textAbstract:
Microfinance has generally been acclaimed as one way to reduce poverty through the provision of financial services targeting the previously “unbankable” poor. Persons with Disabilities (PWDs) are amongst society’s most excluded groups financially and the absence of PWDs within mainstream Microfinance urges Disabled People’s Organisations (DPOs) to directly engage in Microfinance. The practices by such alternative actors are suggested to be generally rejected because they risk being inefficient and failing. The objective of this study is to analyse examples of how DPOs in Nepal practice Microfinance and whether they generally follow recommended best practices. The correlation with what is perceived as best practices provide evidence to suggest whether the DPOs’ practices should be generally rejected or motivated as plausible and justified accordingly. To accomplish this, a well-justified analytical framework of recommended best practices for DPOs engaged in Microfinance is created, and field research is undertaken in Nepal, April-May 2014. It can be concluded that recommended best practices are followed at a general level; however, the extent varies within and between the analysed practices. The results provide sufficient evidence to suggest that the practices are plausible and justified accordingly, and should not be generally rejected.
6
Gravesteijn, Robin. "Models of social enterprise? : microfinance organisations as promoters of decent work in Central Asia." Thesis, University of Bath, 2014. https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.619146.
Full textAbstract:
In simultaneously pursuing commercial and social goals, specialist microfinance organisations (MFOs) are leading examples of social enterprises working in development. Yet evidence of the feasibility of such ‘double bottom line’ management is limited. The thesis takes a comparative case study approach to investigating the dynamics of a social enterprise model of microfinance, with particular emphasis on its role in promoting employment related goals. Case study material consists primarily of the experience of two Central Asian MFOs that participated in an action research project ‘Microfinance for Decent Work’ implemented by the International Labour Organisation (ILO). Data was obtained through participant observation, staff interviews, client level surveys, and it also includes reflective practice arising from my participation in the ILO project as a consultant to both MFOs between 2008 and 2012. The findings are mixed. One of the MFOs was more strongly internally motivated to achieve social goals, and was more successful in implementing social performance management initiatives. The other was motivated more by the goal to demonstrate social performance to external stakeholders, and was less responsive to the evidence generated. The thesis also illustrates both path dependence in the evolution of social performance management, and the limited capacity of external agencies such as the ILO to influence the institutionalisation of development management within MFOs.
7
Tchakoute, Tchuigoua Hubert. "Dispositif de gestion des risques opérationnels dans les organisations de microfinance : une approche exploratoire." Bordeaux 4, 2008. http://www.theses.fr/2008BOR40009.
Full textAbstract:
La revue de littérature indique que la gestion des risques opérationnels bancaires relève d'une approche organisationnelle et/ou financière. Dans les organisations de microfinance, qui contribue indéniablement à la financiarisation des populations exclues de secteur bancaire, la problématique de la gestion des risques opérationnels n'a pas fait l'objet d'investigation scientifique, et le risque opérationnel n'est pas soumis à un traitement règlementaire. A partir de ce double constat, cette recherche se donne pour objectif d'identifier les choix stratégiques de couverture des risques opérationnels dans les organisations de microfinance et de mettre en évidence les modalités de leur structuration, selon une approche non financière, qualitative et exploratoire. Quatre étude de cas, retenues en prenant en compte la diversité de formes institutionnelles et organisationnelles des organisations de microfinance, ont permis, après une triangulation des sources d'évidence et des techniques d'analyse, de tirer des conclusions portant sur les déterminants du risque opérationnel et sur les dispositifs de gestion. Par ailleurs les analyses mettent en lumière les effets des formes organisationnelles à la fois sur le risque opérationnel et sur les leviers d'actions mobilisés pour y faire faceThe literature review points out that banks operational risk depend on an organizational and/or a financial approach. In microfinance organizations, which contribute positively to the financiarization of people excluded from the banking sector, the problem of operational risk management has not been the subject of scientific investigation, and operational risk is not subject to a regulatory treatment. Starting from this double observation, this research is conducted to identify the strategic choices of operational risks management in microfinance organizations and to highlight how those choices are structured, through a non-financial, qualitative and exploratory approach. Four case studies, selected by taking into account the diversity of institutional and organizational forms of microfinance organizations, have permitted to draw conclusions about opérational risk determinants and the management choices of those risks. In addition, the analysis highlight the effects of organizational forms on both the operational risk and the levers mobilized to deal with it
8
Mbaye, Khady. "Analyse de la transformation institutionnelle des organisations de microfinance en milieu rural au Sénégal." Thesis, Montpellier, SupAgro, 2010. http://www.theses.fr/2010NSAM0034.
Full textAbstract:
Cette thèse analyse à travers une étude de cas, le parcours d’un programme de micro-crédit rural mis en place par l’ONG Plan International, transformé en institution formelle et intégré aujourd’hui dans l’un des plus grands réseaux mutualistes du Sénégal : l’UM-PAMECAS (Union des Mutuelles du Partenariat pour la Mobilisation de l'Epargne et du Crédit au Sénégal). Notre objectif était de montrer comment les organisations de microfinance concilient les logiques sociale et financière, à priori en opposition, dans leur mode d’action après une transformation institutionnelle. Compte tenu de la diversité des règles et des modes d’actions observés au sein des organisations étudiées, nous avons mobilisé l’économie des conventions pour construire notre cadre d’analyse. La thèse s’appuie sur une analyse qualitative diachronique des logiques en présence, de façon à comprendre ce qui les soustend, les mécanismes et enjeux de pouvoir qui les font évoluer et se stabiliser. Sur une période s’étalant de 2006 à 2008 nous avons mené des enquêtes auprès de 169 personnes aux statuts divers (salariés, élus, bénéficiaire des crédits, etc.). Ce travail a apporté un éclairage sur le processus de transformation institutionnelle des organisations de microfinance rural et ses enjeux. Nous avons montré que grâce à une méthodologie combinant plusieurs principes relevant de cités différentes mais essentiellement rattachés à une « logique sociale », les organisations de microfinance de premières générations ont permis à des personnes vivant en milieu rural, dont le profil socio-économique n’intéressait pas les banques commerciales, d’accéder aux services financiers. La transformation institutionnelle induite par des facteurs exogènes et endogènes a apporté des bouleversements auxquelles les organisations devaient faire face pour assurer leur pérennité. Notre recherche a montré que pour réussir cette transition et éviter des conflits, des concertations doivent être menées tout au long du processus avec l’ensemble des acteurs afin que tous s’entendent sur le but de la transformation, la façon dont le processus doit être mené et les réformes à mettre en place. En outre, les nouvelles procédures mises en place doivent être en adéquation avec les spécificités locales. Par ailleurs, cette thèse a montré la forte prédominance des tontines. Ces dernières ont fortement évolué et se sont enrichies grâce à l’hybridation de règles marchandes, domestiques et civiques qui en font aujourd’hui, des dispositifs locaux concurrençant fortement la collecte de l’épargne au niveau des structures formellesThis thesis analyses, trough a case study, the operation of a rural micro-credit program implemented by Plan international NGO. It has then been changed into a formal institution and integrated into one of the largest network of mutual organizations in Senegal: UMPAMECAS. Our objective was to show how micro-finance organizations reconcile social and financial logics that are primarily contradictory, in their action after institutional changes. Considering the diversity of rules and operation modes observed in the institutions under scrutiny, we have mobilized the convention economy to build the framework of our analysis. The thesis is based on a diachronic quantitative analysis of those logics to understand what underlies them, power mechanism and stakes that make them evolve and stabilize. For a period from 2006 through 2008, we surveyed 169 people from different (wages-earners, elected, credits beneficiaries, etc.). This work has cast light on the transformation process of rural microfinance and its stakes. We have shown that, thanks to a methodology combining several principles from different cities, but essentially related to a “social logic”, the first generation of microfinance institutions have enabled several people living in rural areas, whose economic profile did not appeal to commercial banks, to get access to financial services. The institutional transformations induced by endogenous and exogenous facts have brought changes which should be dealt with by the institutions to ensure their sustainability. Our research has shown that to survive the transition and avoid conflicts, consultations should be conducted all through the process with all the stakeholders for all to agree on the objective of the transition, the way the process should be conducted and the reforms that need to be implemented. Besides, the newly implemented procedures should match local specificities. Furthermore, this thesis has shown the supremacy of the “tontine” systems (rotating saving and credit associations). Those systems have deeply evolved and enriched due to the hybridization of commercial, domestic and civic rules that make them today local organizations that strongly challenge formal structures in the collecting of savings
9
Ngendahayo, Eric. "Microcrédit et thèorie financière : trois contributions à la compréhension des déterminants de la performance des institutions de microcrédit." Lille 2, 2008. http://www.theses.fr/2008LIL20003.
Full textAbstract:
Cette thèse mobilise les théories de l’intermédiation financière et les théories des contrats pour analyser les déterminants de la viabilité des institutions de microcrédit. Elle permet de comprendre en quoi le design d’un produit de crédit de groupe et les procédures mises en place par les agents d’une institution urbaine peuvent influencer la capacité des membres d’un groupe à caution solidaire à limiter les effets de l’anti-sélection et de l’aléa moral. A travers l’analyse du couple « information tangible / degré de centralisation des opérations de crédit », elle se réfère à la théorie de l’architecture organisationnelle pour expliquer les mécanismes qui mènent au dysfonctionnement des réseaux des coopératives de microfinance. Enfin, en faisant appel à la théorie des droits de propriété, la théorie de l’agence et la théorie des coûts de transaction, elle analyse l’impact du statut juridique sur les performances économiques des institutions de microcréditThis thesis anlyzes the determinants of the viability of microlending institutions against the background of theories of financial intermediation and contract theory. The first part shows how a particular design of group loans and the process of lending decisions in a urban institution can influence the capacity of group members with joint liability to mitigate the effects of anti-selection and moral hazard. Through the analysis of how “hard and soft information”, on the one hand, and “the degree of centralization of credit operations”, on the other hand, are combined, the second part relies on the organisational architecture theory to explain the mechanisms which lead to the dysfunction of financial cooperatives networks. Lastly, assuming the theory of property rights, as well as agency theory and transaction cost theory, it analyzes the impact of the legal structure on the economic performances of microcredit institutions
10
Peter, Simon. "L'institutionnalisation du marché de la microfinance : le cas du Gabon." Thesis, Pau, 2015. http://www.theses.fr/2015PAUU2009/document.
Full textAbstract:
Avec les orientations prises en 2002 par la Commission Bancaire de l’Afrique Centrale (COBAC) en vue de développer les activités microfinancières, le métier de la microfinance s’est transformé dans sa forme organisationnelle (en passant de l’informel au formel) mais aussi dans sa relation avec son environnement. L’observation du terrain met en lumière que cette perspective est largement déterminée par la coopération entre les très petites entreprises (TPE) et les établissements de microfinance (EMF) dont les pratiques managériales sont soumises à l’épreuve de la réglementation. A ce titre, la réglementation conditionne les pratiques des acteurs, et donc devrait contribuer au développement du marché et assurer la pérennité des EMF et TPE à travers leur coopération. Par rapport à ce qui précède, quels enseignements peut-on tirer de l’expérience gabonaise afin de générer une meilleure compréhension du problème de l’impact de la réglementation sur les acteurs du marché de la microfinance? Ce travail révèle qu’en environnement institutionnalisé, les EMF sont partagés entre deux attitudes : financière ou sociale. Il fait apparaître que plusieurs TPE, porteuses de projets, n’arrivent pas à bénéficier de l’offre du marché microfinancier. Ce paradoxe nous amène alors à interroger les différents comportements que la réglementation du marché de la microfinance traduit et induit. Nous avançons que ces comportements, de même que leur interaction, agissent sur la coordination des acteurs, c'est-à-dire sur la manière dont les EMF et les TPE sont gérés, ainsi que sur la coopération EMF/TPE. Ce travail participe ainsi à une meilleure compréhension du marché de la microfinance au GabonWith the direction taken in 2002 by the Banking Commission of Central Africa (COBAC) to develop microfinance activities, the business of microfinance has turned in its organizational form (moving from informal to formal), but also its relationship to its environment. Our field observation shows that this perspective is largely determined by the cooperation between the very small enterprises (VSE) and microfinance institutions (MFIs) whose management practices are put to the test of regulations. As such, the regulation affects the behavior of actors and thus should contribute to market development and the sustainability of MFIs and VSE through their cooperation. Compared to the above, what lessons can be learned from the Gabonese experience to generate a better understanding of the problem of the impact of regulation on the market of microfinance? We show that in an institutionalized environment, EMF have two options: a financial attitude and a social attitude. We show that many small businesses, with projects, are unable to benefit from the offer of the microfinance market. This paradox then leads us to question the different behaviors that the regulation of the microfinance market translated and induced. We induce that these behaviors as well as their interaction affect the internal organization of tasks (coordination) of the actors, that is to say on how EMF and VSE are managed, as well as the cooperation between EMF and VSE. This work opens up new areas of understanding of the microfinance market in Gabon
Books on the topic "Microfinance organisations"
1
Castel, Odile. Élargir l'accès aux services financiers ruraux dans les pays du Sud: Des partenaires financiers aux alliances politiques entre organisations de producteurs et institutions financières? : études comparées entre l'Afrique de l'Ouest et l'Amérique latine. Gatineau, Québec: Université du Québec en Outaouais, Chaire de recherche du Canada en développement des collectivités, 2006.
Find full text
2
Wehnert, Ulrich. Are small farmer co-operatives Ltd. (SFCLs) viable microfinance organisations?: A comprehensive financial analysis of 33 SFCLs, Kathmandu, January 2001. Kathmandu: Rural Finance Nepal, 2001.
Find full text
4
Soko, Constant. Les modèles de microfinance en Côte d'Ivoire: Origine, organisation et impact. Paris: L'Harmattan, 2009.
Find full text
5
Les modèles de microfinance en Côte d'Ivoire: Origine, organisation et impact. Paris: L'Harmattan, 2009.
Find full text
6
Institutionelle Reformen für dezentrale Entwicklung: Die Rolle gemeinschaftsbasierter Organisationen am Beispiel kooperativer Versicherungsarrangements. Saarbrücken: Verlag für Entwicklungspolitik, 2006.
Find full text
7
Impact of microfinance services on the clients of RMDS's partner organisations. Kathmandu: Rural Microfinance Development Centre Ltd., 2008.
Find full text
8
Business of Doing Good: Insights from One Organisation's Journey to Deliver on Good Intentions. Practical Action Publishing, 2015.
Find full text
9
Simanowitz, Anton, and Katherine Knotts. Business of Doing Good: Insights from One Organisation's Journey to Deliver on Good Intentions. Practical Action Publishing, 2015.
Find full text
10
Mainstreaming Microfinance: How Lending to the Poor Began, Grew, and Came of Age in Bolivia. Kumarian Press, 2001.
Find full textBook chapters on the topic "Microfinance organisations"
1
Mia, Mohammad Badruddozza, and Magnus Ramage. "Use and Management of Conventional ICT and Mobile Technology in Microfinance." In ICT Management in Non-Profit Organizations, 146–60. IGI Global, 2014. http://dx.doi.org/10.4018/978-1-4666-5974-2.ch009.
Full textAbstract:
Microfinance has been a significant means of reducing poverty since the mid-1970s. With the economic, social, and demographic characteristics, Bangladesh has been one of the countries where microfinance interventions are notable. In Bangladesh, hundreds of microfinance organisations have been implementing microfinance programs covering almost one-third of the rural population of the country. Studies show that the proper use of Information and Communication Technology (ICT) may help microfinance intervention in different ways. It may help increase operational performance, organisational upsizing, and poverty outreach, and decrease interest rate with many other organisational and social implications. This chapter looks into the Information Systems (IS) of microfinance of Bangladesh, the extent and intensity of the use of ICT, the factors that hinder the use of ICT in microfinance, the approaches to ICT management, and the emerging mobile technology-based operational model of microfinance and perceived implications of the changing landscape of ICT on this development program.
2
Alhassan, Yahaya, Samuel Salia, and Uzoechi Nwagbara. "Microfinance Impact on Microbusiness Development in Africa." In Microfinance and Sustainable Development in Africa, 1–26. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-7998-7499-7.ch001.
Full textAbstract:
This chapter applies the control group experiment to study whether microfinance improved microbusiness growth in Ghana. According to this approach, statistically significant difference in the outcome between treatment and control groups is an indication of impact of the microcredit on microbusiness development. Thus, this chapter compares the mean monthly sales, number of employees, business assets, and capital stock of microbusinesses that received microfinance (the treatment group) and the mean monthly sales, number of employees, business assets, and capital stock of microbusinesses that did not receive microfinance (the non-treatment group) in seven municipalities identified by various non-governmental organisations as areas of financial exclusion in the Northern Region of Ghana using survey data. Results indicate that microfinance impacted positively on microbusiness development. These findings have policy implications for the government of Ghana and agencies that are interested in using microfinance as a catalyst for economic growth in deprived communities in other countries.
3
"An Overview of the MFI Organisations: Annapurna Pariwar (AP) and GMSS." In The Role of Microfinance in Women’s Empowerment, 103–24. Emerald Publishing Limited, 2017. http://dx.doi.org/10.1108/978-1-78714-425-520171007.
Full text
4
Kalagbor, Anthony Nduwe. "Service Failure, Recovery, and Sustainable Development." In Microfinance and Sustainable Development in Africa, 234–63. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-7998-7499-7.ch010.
Full textAbstract:
Extant literature on corporate social responsibility (CSR) and marketing shows that CSR plays an important role when a service fails; thus, application of recovery strategy becomes crucial for sustainable development. CSR creates greater performance expectations amongst stakeholders as well as helps to legitimise organisational activities when a service fails. This study maintains that CSR is crucially important not only in legitimising organisational actions, but in ensuring that stakeholders' loyalty, trust, and justice are assured. This CSR, service failure, and recovery nexus is more needed in the controversial extractive industry in Nigeria, which has a history of illegitimacy, irresponsible corporate responsibility, lack of accountability, and failure of justice, which have triggered and sustained corporate-stakeholder conflict. This landscape has negative impact on sustainable development, peace, and justice in the Niger Delta region of Nigeria, where oil is extracted.
Conference papers on the topic "Microfinance organisations"
1
Ciguino, Hubermane, and Bénédique Paul. "Analyse de l’impact des programmes de microfinance dans la performance des microentreprises." In Sessions du CREGED à la 30e Conférence Annuelle de Haitian Studies Association. Editions Pédagie Nouvelle & Université Quisqueya, 2021. http://dx.doi.org/10.54226/uniq.ecodev.18793_c3.
Full textAbstract:
Les débats sur les impacts des programmes de microfinance sont continus. Deux courants théoriques y sont opposés : le welfarisme et l’institutionnalisme. Les insuffisances du dualisme welfarisme et institutionnalisme ne permettent pas d’analyser les effets financiers des programmes de microfinance sur les microentreprises. Dans cette recherche, nous proposons un nouveau modèle d’analyse basé sur les déterminants de la performance des microentreprises. Ce modèle tient compte des conditions de microfinancement élaborées par les organisations de microfinance et les pratiques de gestion dans les microentreprises. La question étudiée est la suivante : les conditions de microfinancement greffées sur des pratiques de gestion des emprunteurs sont-elles favorables à la performance économique des microentreprises ? Notre hypothèse est que vu la faiblesse des pratiques de gestion des emprunteurs, les conditions de microfinancement ont des effets d’appauvrissement sur des microentreprises. En vue de tester cette hypothèse, nous proposons tout d’abord un nouveau modèle destiné à être expérimenté à travers l’analyse d’un programme de microfinance haïtienne, à partir d’enquête auprès d’un échantillon aléatoire de bénéficiaires, dans les communes de Port-au-Prince et Miragoâne.