Academic literature on the topic 'Microfinance ; Performance'
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Journal articles on the topic "Microfinance ; Performance"
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Okeyo, Kennedy Omondi. "The Impact of Liquidity on the Financial Performance of Microfinance Institutions: Evidence from Mombasa Town, Kenya." Asian Journal of Economics, Business and Accounting 25, no. 5 (2025): 292–300. https://doi.org/10.9734/ajeba/2025/v25i51802.
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Microfinance institutions have encountered by difficulty determining the prime point or the level at which they can uphold its liquidity so that to augment its profitability. The difficulty becomes further distinct as good records of institutions particularly microfinance institutions are engaged with profit maximization hence they incline to disregard the significance of liquidity management. Near this end, the study tried to found the effect of liquidity on the financial performance of microfinance institutions in Mombasa town, Kenya. The study embraced descriptive research design. A regression model was used to determine the relationship between the financial performance and independent variables which included debtors, creditors and cash flow. The outcome shown that the correlation between liquidity and financial performance is strong with an A R2 of 54%. The research summarissed that liquidity management is a major contributor of the microfinance financial performance. However, it is significant for a firm to understand the effect of liquidity mechanisms on the microfinances financial performance and also commence deliberate measures to augment its liquidity level. In addition the research recommendend a further study on the role of liquidity on a microfinance financial performance by incorporating more liquidity variables.
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Ouma, Cavine Onyango, Dr Daniel Makori, and Dr Moses Odhiambo Aluoch. "Firm Characteristics, Interest Rate And Financial Performance Of Microfinance Banks In Kenya." IOSR Journal of Economics and Finance 15, no. 5 (2024): 54–73. http://dx.doi.org/10.9790/5933-1505055473.
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Microfinance Banks gives the forte to improve the economic activity of low-income individuals and eliminate poverty, resulting in economic progress. However, microfinance's Banks financial performance in Kenya has declined over time. The objective of this study is to investigate firm characteristics, interest rate and financial performance of microfinance banks in Kenya. The study was grounded on buffer capital, efficiency structure and interest rate parity theories. The study research methodology rested on positivism research philosophy. Research design was explanatory non-experimental design. Secondary panel data was utilized. 13 microfinance banks in Kenya were target. Information was gathered using secondary data sources from microfinance banks accounting report from 2016 to 2022. Data was analysed using descriptive and inferential statistics. The study used multiple regressions and Pearson’s Product Moment Correlation analysis. All ethical considerations were appropriately observed. Findings indicated that adequacy of capital exerts a notable and direct effect on financial performance, underscoring the importance for microfinance banks in Kenya to prioritize maintaining sufficient capital levels to support their overall stability and financial outcomes. Conversely, quality of asset demonstrates a significant and adverse influence on performance financially, highlighting the need for microfinance banks to enhance their credit assessment processes to ensure the quality of their loan portfolios. The research revealed that efficiency of management has an insignificant direct influence on financial performance of Microfinance banks. To address this, microfinance banks are advised to invest in comprehensive management training programs and capacitybuilding initiatives to improve operational effectiveness and decision-making processes. Earning ability, on the other hand, exhibits a considerable and direct influence on financial performance. Microfinance banks should thus focus on continuous innovation of their products and services to enhance their earning potential and overall financial outcomes. Liquidity levels exhibit an insignificant and inverse effect on the financial performance outcomes. To mitigate potential risks, microfinance banks should establish comprehensive policies and procedures to monitor and manage liquidity effectively. Interestingly, the study reveals that the connection concerning firm-level attributes and financial outcomes for microfinance institutions in Kenya does not appear to be subject to a substantial moderating influence from interest rate movements. Therefore, the survey recommends that microfinance banks concentrate on improving governance structures, operational efficiency, risk management practices, and asset quality. This can be achieved through capacity-building programs, training initiatives, and adopting best practices from successful microfinance institutions. Strengthening these firm characteristics will enable microfinance banks to enhance their financial performance, irrespective of interest rate fluctuations
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D.V, Naumika, and Priyonkon Chatterjee. "IMPACT OF MICROFINANCE ON RURAL ENTREPRENEURSHIP IN INDIA." International Journal of Advanced Research 13, no. 06 (2025): 460–64. https://doi.org/10.21474/ijar01/21104.
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This research paper provides insights over the use of microfinance in rural enterprise in India for the years 2019-20 to 2022-23 and the support of NABARD in financing such institutions through loans, and analysing various factors of why the impact of microfinance is not well spread across various regions of India. It analyses how microfinance, the financial services provided to low-income individuals, contributes to rural regions entrepreneurship of India to develop through the various government schemes that is prevailing for the years of 2019-2023. It further goes on to evaluate the entrepreneurial institutions who received the most and the least microfinances through government schemes and region wise analysis of the number of microfinances provided through NABARD and the disparities and the reasons for such disparities in specific regions of India. The research paper, hence provides an overview of the performance of microfinance in the recent years and its impact on rural entrepreneurship,
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Le Saout, Erwan. "Performance of the Microfinance Investment Vehicles." Applied Economics and Finance 4, no. 6 (2017): 42. http://dx.doi.org/10.11114/aef.v4i6.2719.
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Over the last few years, the microfinance sector has seen its transformation. Microfinance institutions seek a wide range of sources of funding, while private investors seek not only social returns but also financial returns. This new approach has led to the emergence of microfinance investment funds and initial public offerings of certain Microfinance institutions. Microfinance now seems to be seen as a new investment opportunity by global investors.Aim of this paper is to study the performance of public Microfinance Investment Vehicles. Despite a significant currency risk, we find that the integration of microfinance assets diversifies the investor’s risks and improves the efficient frontier. We conclude that microfinance institutions, via investment vehicles, are likely to attract capital from socially responsible investors seeking new investment opportunities despite a sharp decline in the Sharpe ratio over the past few months.
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Ghising, Tilak. "Social Performance Management and Sustainability of Microfinance Institutions." International Research Journal of MMC 3, no. 4 (2022): 17–20. http://dx.doi.org/10.3126/irjmmc.v3i4.48858.
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Social performance management refers to the ability to achieve social goals by putting customers at the center of strategy and operations in microfinance institutions. The social performance of a microfinance institution means its effectiveness in achieving social goals and creating value for customers. This is just one aspect of social performance management. Social performance management examines the whole process through which an effect occurs. In the present study, social performance is considered as an assessment of social goals such as targeting the poor and marginalized, an adaptation of services that deliver economic benefits to customers, and the environment, and employees to improve social responsibility towards customers and the community. The overall performance of microfinance institutions contributes to the long-term sustainability of the organization. Sustainability of microfinance institutions means the long-term continuation of the microfinance program, which includes continuity of financial and non-financial services of microfinance institutions. The sustainability of microfinance institutions are measured by using a portfolio, performance, financial management, and profit-to-financial ratio. In the present study, the sustainability of microfinance considered as a long-term continuation of the program that benefits all stakeholders in the microfinance sector and society. Most microfinance institutions devote their efforts to achieving the social and financial goals of the organization. Social performance facilitates progress in achieving the social goals of microfinance institutions. As such, sustainability is a dynamic concept that aims to meet the expected cost of all programs and return on investment.
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Kelvin, Chenya, and Jared Bitange Bogonko Dr. "Effect of Credit Analysis on Financial Performance of Microfinance Institutions in Eldoret Town, Kenya." American Based Research Journal 7, no. 12 (2018): 47–59. https://doi.org/10.5281/zenodo.3456191.
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<em>Microfinance institutions industry plays a vital role in the economy by giving loans to poor people with the aim of reducing poverty level hence economic growth. A major threat facing microfinance institutions is the increase of Non-Performing Loans (NPL) that leads to the collapse of microfinance institutions. The purpose of this research is to determine the effect of credit analysis on the financial performance of microfinance institutions in Eldoret town, Kenya. The study was founded on the 5C’s model of client appraisal. The target population of the study was 25 licensed microfinance institutions in Eldoret town according to AMFI (Association of Microfinance Institutions). A sample of 240 respondents was selected based on proportionate sample size categorized into branch managers, senior credit officers and credit officers using stratified sampling and simple random sampling (SRS).The study used primary and secondary data. Questionnaires were used to collect primary data while secondary data was obtained from the annual performance of the respective institutions financial statements. Data was analyzed and presented using descriptive statistics and inferential statistics. Inferential statistics were used to analyze data using correlation, ANOVA while regression analysis was used to test the effect of the independent variable and dependent variable using statistical package for social sciences (SPSS) version 21. The findings revealed positive and significance relationship between the variable set at P<0.05. Credit Analysis (β=0.591; p=0.000<0.05). The findings will be helpful to the microfinance institutions to be able to understand the effect of credit analysis on the financial performance of microfinance institutions, the credit department of microfinance institutions will be able to know the importance of implementing credit policy. It can be concluded that good credit analysis measures be put in place by MFI’s because it influences financial performance hence good health</em>
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Wanjala, Lucy Machuma, and Charity Njoka Dr. "PRUDENTIAL REGULATIONS AND FINANCIAL PERFORMANCE OF LICENCED MICROFINANCE BANKS IN KENYA." International Journal of Management and Commerce Innovations 12, no. 2 (2024): 65–70. https://doi.org/10.5281/zenodo.14172629.
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<strong>Abstract</strong><strong>:</strong> Microfinance enhances the financial capacity of the economically disadvantaged, often ignored by commercial banks and other lending institutions, by offering services such as credits, insurances, and savings, thereby encouraging self-employment. Due to various variables businesses encounter, guidelines, decrees, and rules are necessary to regulate their operations, ensuring a fair structure for all companies within a sector. This regulatory framework is essential for the financial industry, especially microfinance banks, to operate within set boundaries. This study examines the impact of prudential regulations on the financial performance of Kenyan microfinance banks. It specifically focuses on the effects of capital regulation on financial performance. Theoretical framework reviewed was stakeholder theory. The study's target population consisted of the fourteen (14) licensed microfinance banks in Kenya, employing a census of all these microfinance banks and an explanatory research design. The study utilized secondary data, which was sourced from the financial statements of selected microfinance banks in Kenya. This information encompassed data collected over a seven-year period, from 2015 to 2022. Findings revealed that capital regulation significantly (ρ = 0.013) and negatively (β = -3.3184) impacts financial performance. The study recommends that microfinance banks recognize the importance of capital management and ensure regulatory compliance. <strong>Keywords:</strong> Capital Regulation, Microfinance Bank, Financial Performance. <strong>Title:</strong> PRUDENTIAL REGULATIONS AND FINANCIAL PERFORMANCE OF LICENCED MICROFINANCE BANKS IN KENYA <strong>Author:</strong> Wanjala Lucy Machuma, Dr. Charity Njoka <strong>International Journal of Management and Commerce Innovations </strong> <strong>ISSN 2348-7585 (Online)</strong> <strong>Vol. 12, Issue 2, October 2024 - March 2025</strong> <strong>Page No: 65-70</strong> <strong>Research Publish Journals</strong> <strong>Website: www.researchpublish.com</strong> <strong>Published Date: 16-November-2024</strong> <strong>DOI: https://doi.org/10.5281/zenodo.14172629</strong> <strong>Paper Download Link (Source)</strong> <strong>https://www.researchpublish.com/papers/prudential-regulations-and-financial-performance-of-licenced-microfinance-banks-in-kenya</strong>
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Balkenhol, Bernd. "Microfinance: Performance and Efficiency." Finance & Bien Commun 28-29, no. 3 (2007): 147. http://dx.doi.org/10.3917/fbc.028.0147.
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Daher, Lâma, and Erwan Le Saout. "Microfinance and Financial Performance." Strategic Change 22, no. 1-2 (2013): 31–45. http://dx.doi.org/10.1002/jsc.1920.
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Robert, Tayong Takwi. "The influence of digital products on the performance of microfinance institutions in Cameroon." World Journal of Advanced Research and Reviews 24, no. 3 (2024): 1789–804. https://doi.org/10.5281/zenodo.15201391.
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<strong>Purpose:</strong> This study was carried out to investigate the influence of digital products on the performance of microfinance institutions in Cameroon. Four digital products of microfinance institutions were involved in the analysis. These are digital payments, digital savings, digital credits and digital insurance. The performance of microfinance institutions included the financial performance and the social performance of the institutions. Specifically, the study investigated how digital payments, digital savings, digital credits and digital insurance influence the performance of microfinance institutions in Cameroon. <strong>Materials and Methods:</strong> The study adopted the survey research design and used primary data collected from 201 microfinance institutions in Cameroon through the administration of questionnaires. Data was analyzed using both descriptive and inferential statistics with the help of SPSS Version 20, STATA Version 14 and AMOS Version 23. <strong>Findings:</strong> The results of the study revealed that digital payments, digital savings and digital credits have significant positive influence on the performance of microfinance institutions in Cameroon while digital insurance has a negative influence on the performance of microfinance institutions in Cameroon, though this negative influence was found to be insignificant. <strong>Conclusion and Recommendations:</strong> The study concludes that digital products significantly influence the performance of microfinance institutions in Cameroon. To the microfinance institutions operating in Cameroon, the study recommends that more investment should be made on digital payments, digital savings and digital credits in order to improve the performance of the institutions.
Dissertations / Theses on the topic "Microfinance ; Performance"
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Abd, El-Maksoud Sarah. "Performance of microfinance institutions." Thesis, Cardiff Metropolitan University, 2016. http://hdl.handle.net/10369/8363.
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Microfinance is regarded as a financial development tool used in fighting poverty by providing the poor with financial services such as microloans, savings, insurance and money transfers thereby gradually lifting them out of poverty. Improving the performance of Microfinance Institutions (MFIs) makes them more capable of better serving more poor people, contributing to the development and enhancement of their economies and improving the welfare of the poor. It is therefore of great importance to study the performance of MFIs from different aspects in order to understand how they operate, what causes their success/failure, and try to find ways to enhance MFI performance to get the most possible benefit out of them. This thesis consists of three interconnected studies, each of which addresses the performance of MFIs from a different aspect. The first study examines the effect of the external environment on MFI performance worldwide in order to identify the context that is best suitable for MFI success, with a special emphasis on the MENA region. The second study investigates the causal relationship between microfinance and formal banking sector development in order to help improve the performance of MFIs with the possible help of the banking sector. The third study tests whether a trade-off exists between the two most pursued goals by MFIs: profitability and outreach in order to help MFIs find a way to achieve both goals simultaneously. A balanced panel dataset of 124 MFIs from 45 countries worldwide for the period 2004-2011 is used in conducting the three studies by applying multiple linear regression models and PVAR model using GMM. Results reveal that the external environment surrounding an MFI significantly influences MFI performance which helps in explaining the uneven performance of MFIs worldwide. It is also concluded that MFIs in the MENA region are the most profitable on average compared to MFIs in other regions which is mainly driven by GDP per capita, whereas South Asian MFIs tend to outperform MFIs in the MENA region when it comes to outreach. Additionally, it is concluded that MFI sustainability and banking sector development do not Granger cause each other, but MFI outreach tends to Granger cause formal banking sector development. Finally, no evidence of trade-off between MFI profitability and outreach is found except when the effect of profitability on outreach is disaggregated by MFI type.
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Vu, Chi Thi Cam. "Microsavings and performance of microfinance institutions." Thesis, University of Birmingham, 2017. http://etheses.bham.ac.uk//id/eprint/7272/.
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This thesis investigates the effects of micro-saving on the performance of microfinance institutions (MFIs) using unbalanced panels that straddle the period 2000-2012. This issue is also examined in a country-specific case study of Vietnam. There are four important findings. First, we found that serving more voluntary savers is costly and curtails depth of microfinance outreach. Second, micro-savings, in terms of the total deposits and the number of deposit accounts per staff member have a positive and significant impact on financial sustainability, cost-efficiency and breadth of outreach of MFIs. Third, a trade-off between financial sustainability and depth of outreach was found for deposit-taking MFIs, compared with MFIs that do not offer micro-savings financial products. Fourth, the findings from the cross-country studies are consistent with the findings from Vietnam. Overall, these findings have important implications for policy makers, microfinance practitioners and researchers.
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Annim, Samuel Kobina. "Microfinance paradigm : institutional performance and outreach." Thesis, University of Manchester, 2010. https://www.research.manchester.ac.uk/portal/en/theses/microfinance-paradigm-institutional-performance-and-outreach(2b19d49b-ce81-49fe-b8ff-e65c20c7aa21).html.
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Microfinance research concerns addressed in this thesis relate to: (1) targeting of clients vis-à-vis financial sustainability; (2) loan size effect of interest rate and clients’ well-being status; (3) economic governance and the dual objectives of microfinance institutions; and (4) patterns, trends and drivers of microfinance institution’s efficiency. The thesis emphasises operational issues that affect institutional performance and outreach of microfinance institutions rather than impact of microfinance intervention on poverty reduction. The thesis revolves around four empirical chapters that seek to address the above research concerns. Both micro and macro-level analyses have been explored with the aim of identifying institutional and public policies that drive the success of microfinance interventions. Micro level data from households in Ghana and cross country data mainly from the Microfinance Information Exchange (MIX) market are used. Varied microeconometric techniques (ordinary least squares, instrumental variable estimation, quantile regression, pooled regression, fixed and random effects estimations, Hausman-Taylor, Fixed Effects Vector Decomposition, stochastic frontier analysis and non-parametric efficiency estimations) are used depending on the hypotheses being considered in each of the empirical chapters. The main findings are: observed trade-off between financial sustainability and reaching poorer clients; formal institutions dispensing their own funds target poorer clients; pronounced variations in responsiveness of loan size to interest rate changes; semi-elasticity of loan amount responsiveness to a unit change in interest rate is more than proportionate and very significant for the poorest group; lesser time in securing property and availability of credit information show positive effects in targeting poorer clients; both type (pure technical and scale) and scope (narrow and broad) of financial efficiency show varying trends; and lastly, negative effects of bureaucracies in property registration and lack of credit information on social efficiency are also observed. This thesis suggests the following recommendations both for management of microfinance institutions and other stakeholders including international microfinance investors and government: harmonizing microfinance programmes irrespective of the source of funds; segmenting microfinance outreach markets based on socio-economic well-being; curtailing bureaucracies in property registration; and providing credit related information. These are paramount to the success of the microfinance paradigm, especially in achieving its social objective.
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Berglind, Viktor, and Arizo Karimi. "Repayment performance in Microfinance: a theoretical analysis." Thesis, Uppsala University, Department of Economics, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-8540.
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<p>Offering financial services to the unprivileged is a complex task and past attempts have been rather unsuccessful. One commendable effort that has sprung from the failures of commercial banks is microfinance and thanks to innovative ideas microfinance institutions have managed to cope with many of the challenges previously experienced by the formal bank sector in the 1970’s through the 90’s.</p><p>The “new” approach has successfully managed to overcome obstacles such as lack of collateral and information asymmetry. By using joint-liability schemes and by requiring frequent installments microfinance institutions have managed to reduce their risk exposure and by outsourcing the screening process to the borrowers they have dealt with the lack of information on their clients.</p><p>The purpose of this thesis is to investigate what microfinance institutions do that make them more suitable for delivering financial services to the poor. We will look at the supply driven efforts carried out in the past and see how they differ from the demand driven approach taken today.</p><p>We will evaluate some of the most common mechanisms of microfinance and assess their potential contribution to achieving the high repayment rates that many of these institutions obtain today.</p><p>The main finding is that group lending subject to social sanctions should improve the repayment rate. Other mechanisms that may enhance the performance are the use of dynamic incentives and regular repayment schedules. The effect of targeting women and social programs on repayment rates are ambiguous although their empowerment effect is notable.</p><p>By joining forces with NGOs, local authorities and the commercial financial sector microfinance has emerged as a viable poverty reduction tool alongside traditional aid.</p>
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Silva, Berta Arsénio da. "O desempenho das instituições de microfinanças: uma análise empírica transnacional (1996-2009)." Master's thesis, Instituto Superior de Economia e Gestão, 2011. http://hdl.handle.net/10400.5/3395.
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Mestrado em Contabilidade, Fiscalidade e Finanças Empresariais<br>Este trabalho intitulado a "O Desempenho das Instituições de Microfinanças: Uma Análise Empírica Transnacional (1996-2009)" foi motivado por duas razões, primeiro, fruto do contacto com a parte operacional da agência Aga Khan para as Microfinanças (AKAM) em Moçambique, e pela oportunidade de realizar o trabalho final de mestrado nesta área financeira específica. As microfinanças integram projectos de desenvolvimento e de inclusão financeira para as pessoas que por diversas razões não têm acesso a serviços financeiros convencionais. Inúmeros estudos foram já realizados sobre o impacto das microfinanças como estratégia de desenvolvimento, bem como sobre a sustentabilidade destas instituições. Este estudo tem por objectivo avaliar e aprofundar o impacto de determinadas variáveis chave no desempenho das instituições de microfinanças (IMF), como sejam: macroeconómicas; institucionais; regulamentares; políticas; condições locais; e características geográficas e humanas do país. Através da revisão de literatura pretende-se, ainda, testar empiricamente algumas teorias, isto é: se um melhor funcionamento das IMF está associado a contextos economicamente mais adversos, pela maior permanência destas nestes ambientes; ou se as microfinanças funcionam como uma estratégia de desenvolvimento que precede a industrialização dos países; ou, ainda, se a performance das IMF tende a melhorar com o tempo. Utilizaram-se indicadores financeiros de sustentabilidade, de eficiência e de incumprimento para avaliar o desempenho das IMF com recurso a modelos econométricos e dados de painel. A amostra foi constituída por IMF distribuídas por diversos países do mundo, com diferentes estatutos (bancos, cooperativas, bancos rurais, NGO, NBFI) e maturidades. Após se efectuarem correcções de maneira a tornar os resultados econometricamente mais robustos, estes, para a maioria das variáveis externas, e não controláveis pelas IMF aqui consideradas, não têm impacto estatisticamente significativo nos indicadores de desempenho das instituições. Contudo, os resultados apontam para um impacto positivo e estatisticamente significativo entre o rendimento per capita do país e o rácio de créditos em mora, e para um impacto negativo, e igualmente significativo, entre o rendimento per capita do período anterior e o rácio de write-off. Paralelamente, o aumento do sector formal está associado a uma melhoria na qualidade do portfolio (reflectido no sinal obtido para o estimador da variável participação da força de trabalho no rácio de créditos em mora) das instituições, enquanto que, uma maior fracção da indústria no PIB está associada a piores rácios de write-off. A inflação é outra das variáveis relevantes com impacto positivo e estatisticamente significativo no indicador de eficiência - custo por cliente. Por último, comprova-se que os anos de experiência têm um efeito positivo mas marginalmente decrescente na sustentabilidade das IMF.<br>This research is entitled as "Microfinance Institutions Performance: an Inter-Regional Empirical Analysis (1996-2009)" the inspiration was a consequence of a field visit to the work inside Aga Khan Agency for Microfinance (AKAM) in Mozambique, and the opportunity to finalize the Masters degree in this specific social area. Microfinance is a development and financial inclusion strategy for non-bankable people that, because of different reasons, do not have access to traditional financial services. Several studies have already been conducted, focused on poverty alleviation and the social impact of microfinance (outreach of microfinance), as well as, on the challenges of a microfinance institutions (MFI) to reach financial sustainability. This study aims to evaluate in more depth the impact of different key-variables on IMF performance, namely: macroeconomic; institutional framework; regulation; political; local conditions; geographic and human characteristics of the country. Based on literature review this study also intends to empirically test some theoretical ideas, for example: microfinance is more developed in economic unstable areas due to a historical presence in these contexts; and microfinance as a development strategy that preceded industrialization ofthe countries; or even iftime tends to improve MFI performance. Econometric models and panel data regressions were used to assess the IMF performance in terms of sustainability, efficiency and default. The MFI dataset is distributed for different countries around the world, with different legal status (bank, cooperative/credit union, NGO and non-bank financial institutions) and different age/maturities. After using statistical techniques in order to increase the econometric robustness of the results, overall estimates show no statistical significant relationship between most external and non controlled variables studied on the performance indicators of IMF. However, the results showed a positive statistical significant impact of the current per capita income on at-risk ratio, and a negative significant impact of the previous year's per capita income on write-off ratio. Furthermore, an increase in the formal labor market is associated with a better portfolio quality (reflected by at-risk ratio coefficient on the workforce participation rate) of the institutions, whereas a larger share of manufacturing is associated with a higher write-off ratio. Inflation is another important variable with a positive and significant impact on efficiency indicators - cost per borrower. Finally, the results prove that MFI's tend to perform better initially and then taper off.
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Amin, Azmat Najma. "Commercialisation de Microfinance : comment les Institutions de Microfinance (IMFs) peut attirer les investisseurs ?" Thesis, Pau, 2017. http://www.theses.fr/2017PAUU2029/document.
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Cette recherche examine le lien entre la Responsabilité Sociale d’Enterprise (RSE) des Institutions de Microfinance (IMFs) et les investisseurs étrangers (F.Is) dans le contexte où la micro finance commercialisée a un double objectif (DBL). Le cadre théorique et conceptuel de cette étude comprend la théorie de l'agence, la théorie des parties prenantes, la théorie de la dépendance aux ressources et le concept d'Investissement Socialement Responsable (ISR). L'étude empirique est basée sur un processus en deux étapes, une première étude qualitative exploratoire réalisée à travers des entretiens semi-directif avec 9 gestionnaires de fonds (ISR) afin de bien comprendre le sujet et d'enrichir les théories et les concepts. La deuxième étape consiste en une analyse quantitative à l'aide des modèles des moindres carrés ordinaires (OLS) et de la régression logistique en utilisant les données de 615 IMF pour l'année 2012 pour vérifier le lien entre les F.Is et la RSE et si la performance financière joue un rôle de médiateur ou de modérateur. Pour la première fois en microfinance, une définition globale / multi dimensionnelle de la RSE est utilisée et des indicateurs calculés sur la base de cela. Les résultats montrent que la RSE est un facteur clé dans les décisions d'investissement de F.Is et il montre un effet de médiation de la performance financière sur la relation entre la RSE et F.Is. Afin d'assurer l'accès aux services financiers au bas de la pyramide, les IMFs ont besoin d'avoir accès aux investisseurs étrangers. Comme la RSE est prise en compte par les investisseurs dans leur décision d'investissement, les IMF doivent donc se concentrer sur la gestion et la présentation des activités pertinentes de RSE afin d'attirer et de satisfaire ces investisseurs<br>This research examines the link between Corporate Social Responsibility (CSR) of Microfinance Institutions (MFIs) and foreign investors (F.Is) in the context that commercialized Microfinance has double-bottom-line. The theoretical and conceptual framework for this study includes the agency theory, stakeholder’s theory, resource dependence theory and the concept of Socially Responsible Investment (SRI). The empirical study is based on a two-step process, an initial exploratory qualitative study carried out through semi-structured interviews with 9 fund managers (SRI) in order to understand well the topic and enrich the theories and concepts. The second step is a quantitative analysis through ordinary least squares (OLS) and logistic regression models using data of 615 MFIs for the year 2012 to verify the link between F.I and CSR and if financial performance plays a mediator or moderator role. For the first time in microfinance, a comprehensive/multi-dimensional definition of CSR is used and indicators calculated based on that. The results show that CSR is a key factor in investment decisions of F.Is and it shows a mediation effect of financial performance on the relationship between CSR and F.Is. In order to provide access to financial services at the bottom of the pyramid, MFIs need access to foreign investors. As CSR is taken into account by investors in their investment decision, therefore, MFIs need to focus on managing and reporting relevant CSR activities in order to attract and satisfy these investors
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Onomo, Michel Bertrand Cyrille. "Mécanismes de gouvernance en microfinance : apport sur la performance des institutions de microfinance au Cameroun." Rouen, 2010. http://www.theses.fr/2010ROUED003.
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Les limites des pratiques de gouvernance constituent l’un des risques majeurs qui menacent la viabilité des institutions de microfinance (IMF). Les IMF localisées en Afrique centrale, et notamment au Cameroun, ces limites se rapportent au manque de transparence dans les procédures de recrutement des dirigeants, dans les procédures de prise de décision organisationnelle et dans le mode de choix ou d’élection des administrateurs, et au système de contrôle des dirigeants. L’objectif de ce travail était de comprendre le fonctionnement des systèmes de gouvernance des IMF au Cameroun. Il s’agissait précisément d’une part de mettre en relief les mécanismes de gouvernance à l’œuvre dans ces institutions, et d’autre part, de déterminer les liens entre ces mécanismes et les indicateurs de la performance de ces dernières. De l’étude empirique, il ressort que le Conseil d’administration (CA) est l’organe central de la gouvernance dans les IMF au Cameroun. A côté de ce mécanisme, la politique de rémunération du dirigeant, les contrôles par les autorités monétaires, et par l’organe faitier (dans le cas spécifique des coopératives d’épargne et de crédit appartenant à des réseaux) et l’évaluation de l’activité de l’IMF par les agences de notation sont des mécanismes supplémentaires qui assurent la discipline des dirigeants de ces institutions. Par ailleurs, la structure monale du leadership au conseil d’administration, le nombre de métiers différents que compte le conseil d’administration, les contrôles des autorités monétaires et des organes faitiers, l’évaluation de l’activité de l’IMF par des agences de notation, le niveau d’études et l’ancienneté du dirigeant, ont une influence positive sur les indicateurs de la performance de ces institutions. A contrario, la présence des femmes an conseil d’administration et le nombre annuel de rencontres du conseil d’administration, ont une influence négative sur ces indicateurs. Cependant, le nombre d’administrateurs, l’indépendance du conseil d’administration vis à vis de la direction et l’audit (externe) régulier des comptes de ces institutions, n’ont aucune influence sur leurs indicateurs de performance<br>The drawbacks of governance practices constitute one of the major risks that threaten le viability of microfinancial institutions (MFI). With regards to MFIs located in Central Africa and particularly in Cameroon, these limitations are related to the lack of transparency in the hiring processes of managers, in the process of organisational decision taking and in the method of choice or election of directors as well as in the system of control of chief executive. The aim of this work is to understand the functioning of governance systems of MFIs in Caemroon. Precisely, it was a matter of highlighting on one hand the governance mechanisms put in place in these institutions, and on the other hand to determine the link between these mechanisms and the performance governance in MFIs in Cameroon. Next to this mechanism, the chief executive compensation, controls y monetary authorities and by the credit’s union central organi (specifically in the case of credit union belonging to networks) and the evaluation of activities by rating agencies are additional mechanismes that assure the control of chief executive in these institutions. Moreover, the structure of leadership in the board of directors, the number of different trades counted bu the board of directions, controls by monetary authorities and by credit union central organ, evaluation by rating agencies, the level of education and the sentant of the chief executive have a positive influence on the performance indicators of these institutions. Unlikely, the presence of women in the board of directors and the number of annual meetings of the said board have a negative influence on these indicators. However, the number of directors, the independence of the board of directors vis-a-vis management and the regular (external) audit of the accounts of these institutions have no influence on their performance indicators
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Schmied, Julian. "Financial performance and social goals of microfinance institutions." Universität Potsdam, 2014. http://opus.kobv.de/ubp/volltexte/2014/6769/.
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Critics argue that there has been a trend among Microfinance Institutions (MFI) to focus on profitability in order to stay financially sustainable. This made some institutions neglect the social mission of microfinancing. In this paper I intend to examine if empirical evidence supports this so called mission drift hypothesis as well as other claims in this context. Using the global panel data set of the MIX (Microfinance Information Exchange), which gathers from 1995 to 2010 and contains up to 1400 institutions with a high variety of organizational forms, I was able to identify a world-wide mission drift effect in their social goal of reaching out the poorest part of the population. Furthermore, I find that, on average, the outreach of an MFI has a significant negative influence on its short and long term financial performance. Despite that, I eventually proved that the probability that an MFI worsens its social performance substantially increases if its profitability has decreased in the previous years.<br>Das Konzept der Mikrofinanzierung wurde, insbesondere im Zuge der Mikrofinanzkrisen in Asien und Südamerika zunehmend kritisiert. Dabei stand vor allem die Kommerzialisierung der Branche im Zentrum der Kritik. In dieser Studie soll daher unter anderem die sogenannte „Mission Drifts”-These also dass das eigentliche Ziel des Mikrokreditwesen aus den Augen verloren wurde, empirisch überprüft werden. Mit Hilfe des Microfinance Information Exchange (MIX) Datensatzes, wurden Paneldaten von bis zu 1.400 Kreditinstitutionen, mit unterschiedlichen (Rechts-)formen, aus den Jahren 1995 bis 2010 ausgewertet. Die Regressionsanalyse hat gezeigt, dass Profitablität in der Tat einen negativen Einfluss auf das Ziel hat, möglichst arme Menschen zu erreichen. Auch der Trade-off zwischen der Reichweite von Mikrokrediten und kurzfristiger sowie langfristiger Profitabilität konnte nachgewiesen werden. Die Daten zeigten aber auch, dass Mikrofinanzinstitution dazu tendieren soziale Ziele zu vernachlässigen, wenn es im vergangenen Geschäftsjahr finanziell bergab ging.
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Toindepi, Joseph. "Microfinance in Zimbabwe : social performance and coping strategies." Thesis, University of Derby, 2015. http://hdl.handle.net/10545/592915.
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This study is an investigation into poverty coping strategies of microfinance and its social performance in crisis environments using empirical evidence from Zimbabwe. Microfinance has close association with informal microcredit, mainly self-help schemes and Government led rural agricultural credit, which was based on the idea of lending for the poor up to the 1960s through to the early 1970s. Whilst informal microcredit was viewed to be a success on many forms for some decades, it was clear that tailor-made changes were needed to respond specifically to the poor’s financial needs and help them fight poverty. Thus, it was seen as necessary to experiment on an institution based/formal financial service sector for the poor in the late 1970s through to the 1990s, which could perhaps tackle poverty reduction more systematically and effectively. In this, microcredit transformed into microfinance having incorporated more financial services on offer in addition to credit and was regarded as the new step forward and backed by several development agencies including the United Nations. In fact, microfinance was hailed as the most innovative poverty alleviation tool, able to deal with poverty whilst at the same time generating sufficient extra income to cover operating costs. Over four decades on since its inception, the microfinance sector has grown tremendously but, as is commonly acknowledged, the shackles of global poverty are just as visible as ever and in some cases are even stronger. This study critically explores and analyses the state of the microfinance sector in Zimbabwe following a recent political, economic and social crisis characterised by hyperinflation reaching six figure digits, which led to a revamp of the microfinance sector in 2009. The findings this study reflect a systematic departure of the original hopes and ideals of microfinance as a poverty-reduction centred programming to that of a profit-led business approach and the emergence of a new breed of microfinance institutions (MFIs). In this new world of “microfinance”, very poor social performance causing distressful situations for borrowers where in certain instances have been known to take their own lives (as In India) due to debt pressures has been witnessed. Ironically, also visible are the microfinance millionaires and successful MFI banks floating on the stock. Not surprisingly, as a result, microfinance has attracted a lot of public scrutiny particularly among academics and policy makers with its credibility as a poverty alleviation tool being seriously questioned. Consequently, both the supporters of microfinance wanting to prove that microfinance reduces poverty as well as the critics of microfinance wishing to discredit those results have carried out several randomised-control trials (RCT) impact studies. In some cases previous studies that had claimed that microfinance reduces poverty were revisited by opposing academics in an effort to refute findings. However, both supporters and critics each found just as much evidence for both positive impact in reducing poverty in some places as well as the negative impact on poverty elsewhere. Neither side could be conclusive about whether microfinance actually does help to reduce poverty. As discussed in the literature review, this resulted in a surge in the number of available studies on the subject of microfinance impact, prompting even more systematic reviews of such studies in an attempt to reconcile the critical question of the role of microfinance in poverty reduction. As before, the systematic reviews also confirmed just as much evidence in favour of microfinance positive impacts on poverty as those against in the negative impacts, thereby failing yet again to provide conclusive evidence on either side of the argument. Such arguments suggest that microfinance delivered in a certain way and under certain conditions can help reduce poverty, but may equally have little effect at all on poverty or can even worsen the poverty situation of individuals when delivered under certain conditions and in a certain way. To the best of my knowledge, no known previous studies have attempted to associate the model of microfinance delivery and conditions to ascertain whether different forms of microfinance operations can produce different impact on poverty even where conditions are similar in order to inform best practice for social performance and help poor individuals to cope with high income-risks. High income-risk is part of life for most people in Zimbabwe as in other developing countries. Zimbabwe was affected by frequent droughts, political turmoil, extreme economic challenges due to sanctions and questionable economic policies between 2000 and 2008, and finally the global financial crisis of 2007/8, creating extraordinarily harsh operating environment for microfinance institutions, characterised by depleted loan portfolio investment, skyrocketing inflation eroding the loan book value and growing default rates. The country’s GDP declined by about 40 percent during the period. Hyperinflation in 2007-2008 peaked at 500 billion percent leading to the collapse of the national currency in February 2009. The Zimbabwean dollar disappeared from circulation in instant literarily forcing MFIs and other financial institutions to freeze all balances in their books which was in local currency and raise new capital in the US dollar and South African Rand. The political and economic challenges negatively affected the Zimbabwean microfinance “industry,” causing the sector to suffer significantly. Both the number of microfinance institutions (MFIs) in the country and the quality and range of services were eroded. Capital, social performance, and viability concerns plagued the microfinance sector forcing the government to introduce sector specific regulation with immediate minimum capital requirement for MFIs resulting in small institutions leaving the market, increasing monopoly by large institutions. Within this uncertainty of the role and effectiveness of microfinance in poverty reduction, and the difficult political and economic circumstances that Zimbabweans have experienced recently, this study looked at the coping strategies of microfinance stakeholders including practitioners and regulators. It employed an exploratory inductive approach using mixed methods methodology. This included a survey questionnaire using both closed and open-ended questions randomly administered to 60 registered microfinance clients and potential clients collecting both qualitative and quantitative data. In addition, comprehensive case assessments were carried out on 3 MFIs. The assessments concluded that there exist two different approaches to microfinance: (1) the Capital Market Driven (CMD) approach characterised by private equity investments and (2) the Poverty Reduction Driven (PRD) approach characterised by emphasis on poverty alleviation and social performance. This thesis argues that the two approaches may have very different impact on poverty. Therefore, a clear distinction between the CMD and PRD are necessary in debates about microfinance impact, whether positive or negative.
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Wagenaar, Kim. "Profit and purpose : organisational type, social performance and outreach in microfinance." Thesis, University of Cambridge, 2015. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.708673.
Full textBooks on the topic "Microfinance ; Performance"
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Network, Pakistan Microfinance. Social performance report, 2009. Pakistan Microfinance Network, 2011.
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Anebo, Tsegaye. Ethiopian microfinance institutions: Performance analysis report. Association of Ethiopian Microfinance Institutions, 2006.
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Anebo, Tsegaye. Ethiopian Microfinance Institutions: Performance analysis report. Association of Ethiopian Microfinance Institutions, 2005.
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Anebo, Tsegaye. Ethiopian microfinance institutions: Performance analysis report. Association of Ethiopian Microfinance Institutions, 2007.
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Peck, David. Ethiopian microfinance institutions: Performance analysis report. Association of Ethiopian Microfinance Institutions, 2009.
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Peck, David. Ethiopian microfinance institutions: Performance analysis report. Association of Ethiopian Microfinance Institutions, 2009.
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Peck, David. Ethiopian microfinance institutions: Performance analysis report. Association of Ethiopian Microfinance Institutions, 2010.
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Peck, David. Ethiopian microfinance institutions: Performance analysis report. Association of Ethiopian Microfinance Institutions, 2009.
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Anebo, Tsegaye. Ethiopian Microfinance Institutions: Performance analysis report. Association of Ethiopian Microfinance Institutions, 2008.
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Peck, David. Ethiopian microfinance institutions: Performance analysis report. Association of Ethiopian Microfinance Institutions, 2009.
Find full textBook chapters on the topic "Microfinance ; Performance"
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Tutino, Marco. "Microfinance Performance." In Microfinance. Palgrave Macmillan UK, 2006. http://dx.doi.org/10.1057/9780230627581_7.
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Mersland, Roy, and R. Øystein Strøm. "Measuring Microfinance Performance." In Microfinance Institutions. Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663_2.
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Mersland, Roy, and R. Øystein Strøm. "Microfinance Financial and Social Performance: An Introduction." In Microfinance Institutions. Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663_1.
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Weber, Ron. "Microfinance Beyond the Standard? Evaluating Adequacy and Performance of Agricultural Microcredit." In Microfinance 3.0. Springer Berlin Heidelberg, 2013. http://dx.doi.org/10.1007/978-3-642-41704-7_7.
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Steel, William F. "Regulation and Performance of Ghana’s Multi-tiered Rural and Microfinance Industry." In Promoting Microfinance. Palgrave Macmillan UK, 2013. http://dx.doi.org/10.1057/9781137034915_5.
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Kar, Ashim Kumar, and Ranjula Bali Swain. "Competition in Microfinance: Does It Affect Performance, Portfolio Quality, and Capitalization?" In Microfinance Institutions. Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663_11.
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Manos, Ronny, and Leonid Tsytrinbaum. "Determinants of Performance in the Microfinance Industry: The Role of Culture." In Microfinance Institutions. Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663_4.
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Johnson, Susan, and Ben Rogaly. "3. Financial performance and sustainability." In Microfinance and Poverty Reduction. Oxfam Publishing, 1997. http://dx.doi.org/10.3362/9780855988005.003.
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Nzongang, Joseph, and Eloge Nishimikijimana. "Social and Financial Performance of Microfinance Institutions: A Multi-stage Data Envelopment Analysis Application." In Promoting Microfinance. Palgrave Macmillan UK, 2013. http://dx.doi.org/10.1057/9781137034915_8.
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Tan, Nguyen Ngoc, and Le Hoang Anh. "Performance of Microfinance Institutions in Vietnam." In Data Science for Financial Econometrics. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-48853-6_12.
Full textConference papers on the topic "Microfinance ; Performance"
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Wihara, Dhiyan Septa, Hafid Kholidi Hadi, Ratih Amelia, and Muhammad Fachmi. "ICT Implementations: Typology of Using Digital Platforms for Efficient Business Performance in Microfinance Institutions a Bibliometrix Perspective." In 2024 12th International Conference on Cyber and IT Service Management (CITSM). IEEE, 2024. https://doi.org/10.1109/citsm64103.2024.10775433.
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Mahmood Mohamed Kulaib, Abdulrahman, and Madiha Riaz. "A missing half of the Microfinance- Social Performance Management in Microfinance Institutions." In 2nd International Conference on Management, Economics and Finance. Acavent, 2019. http://dx.doi.org/10.33422/2nd.icmef.2019.11.725.
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Suhadak, Jung-Hua Hung, and Moh Heru Budihantho. "Corporate Governance, Participation and Microfinance Performance." In 3rd Annual International Conference on Public and Business Administration (AICoBPA 2020). Atlantis Press, 2021. http://dx.doi.org/10.2991/aebmr.k.210928.019.
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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.
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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.
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Nur Milla, Amalia. "Social Capital Analysis on Agribusiness Microfinance Institution Performance." In 2016 Global Conference on Business, Management and Entrepreneurship. Atlantis Press, 2016. http://dx.doi.org/10.2991/gcbme-16.2016.117.
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Ndakoh, Tony. "Culture and the performance of Microfinance Institutions (MFIs)." In 3rd International Conference on Business, Management and Economics. Acavent, 2020. http://dx.doi.org/10.33422/3rd.icbme.2020.03.23.
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Ndakoh, Tony. "Culture and the performance of Microfinance Institutions (MFIs)." In 3rd International Conference on Business, Management and Economics. Acavent, 2020. http://dx.doi.org/10.33422/3rd.icbme.2020.03.23.
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Turan, Güngör, Abdurrahman Isik, and Iges Banda. "The Structure of the Microfinance Market and Its Adoption to the EU Accession: A Comparative Empirical Study for Western Balkans." In 10th International Scientific Conference ERAZ - Knowledge Based Sustainable Development. Association of Economists and Managers of the Balkans, Belgrade, Serbia, 2024. https://doi.org/10.31410/eraz.2024.61.
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The objective of this paper is to examine the microfinance market structure and its adoption in the EU accession in Western Balkan Countries (WBCs). This objective is pursued by employing survey data from 31 MFIs operating in WBCs. The survey aims to assess MFI’s representatives’ views on competition policy, measure surveillance, identify influencing factors of firm performance, and recognize institutional challenges. The findings show the microfinance market remains transitional with various difficulties that need to be addressed. The study gives a contribution to the existing literature by filling the gaps in the microfinance market in WBCs and making a comparative analysis. Policymakers, stakeholders, and researchers can based on the paper’s findings, recommendations, and future research directions for further sustainable improvement of the microfinance market in the WBCs.
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Pagalung, Gagaring, Kartini, Jusni, and Afdal. "The Role and Performance of Sustainable Microfinance Institutions (MFIs)." In Proceedings of the 3rd International Conference on Accounting, Management and Economics 2018 (ICAME 2018). Atlantis Press, 2019. http://dx.doi.org/10.2991/icame-18.2019.51.
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Camara, S., and W. D. Olanipekun. "The Rhetoric of Microfinance Bank Services and Performance of Small and Medium Scale Enterprises in the Gambia." In 28th iSTEAMS Multidisciplinary Research Conference AIUWA The Gambia. Society for Multidisciplinary and Advanced Research Techniques - Creative Research Publishers, 2021. http://dx.doi.org/10.22624/aims/isteams-2021/v28n3p2.
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Small and Medium Scale Enterprises (SMEs) in developing countries especially in the Gambia are confronted with several drawbacks and challenges, principal which is lack of access to capital. They have not been able to perform the expected vital role in bringing about economic growth and development. The main aim of most small scale enterprise is to be self reliant but the smallness of capital is making this dream unachievable. The main objective of this study is to examine the impact of microfinance banks provision of finance on SMEs performance. The study made used of primary source of data collection with the aid of a structured questionnaire. The research adopted a descriptive survey research design. Pearson Product Moment Correlation Coefficient was used to test the hypothesis at 5% level of significance. Analysis of data showed that the correlation coefficients of all the independent variables were less than 0.05. Based on the findings of the study, the study concludes that microfinance finance services have significant impact on SMEs performance. The study holistically recommends that micro finance banks continually maintain, sustain and improve on their provision of finance and funding facilities to SMEs are pivotal instrument of economic growth and development and thus occupies a place of pride in virtually every country or state Keyword: Bank, Microfinance, Performance, Small and Medium Scale Enterprise, Sustainability
Reports on the topic "Microfinance ; Performance"
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Jansson, Tor. Microfinance: From Village to Wall Street. Inter-American Development Bank, 2001. http://dx.doi.org/10.18235/0008883.
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This paper presents a synopsis of the current state of the microfinance industry in Latin America. It provides a rough assessment of the achievement and outreach of the industry; it offers revealing information on the financial performance of 20 microfinance institutions; and it outlines some of the major issues currently facing the industry. The underlying theme of the paper is the microfinance industry's gradual integration into established markets and structures, specifically as it relates to financial regulation and supervision and the industry's access to financial and capital markets.
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Jansson, Tor, Damian von Stauffenberg, Naomi Kenyon, Julie Abrams, and Frank Abate. Indicateurs de performance pour les institutions de microfinance: Guide technique: 2e edition. Inter-American Development Bank, 2003. http://dx.doi.org/10.18235/0010336.
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Les indicateurs présentés dans ce Guide ont été regroupés en quatre catégories principales: qualité du portefeuille, efficacité et productivité, gestion financière et rentabilité. Bien entendu, d'autres aspects peuvent aussi éclairer sur la performance des institutions de microfinance et, même pour chacune des catégories citées, il existe bien d'autres mesures de performance. Cependant, ce Guide n'a pas pour vocation d'être complet et détaillé, il présente seulement les indicateurs les plus pertinents qui, pris ensemble, donnent une vue d'ensemble raisonnable sur la performance, le niveau de risque et la situation financière d'une institution de microfinance.
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Martínez, Renso. 2005-2010 Microfinance Market Trends in Latin America and the Caribbean. Inter-American Development Bank, 2011. http://dx.doi.org/10.18235/0008974.
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The objective of this report is to present an early update for the performance of the Microfinance Institutions (MFIs) in regional, sub-regional and certain national markets at the close of the 2010 financial year in terms of coverage credit types, finance structure, and risk and profitability.
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Jansson, Tor, and Miguel Taborga. The Latin American Microfinance Industry: How Does it Measure Up? Inter-American Development Bank, 2000. http://dx.doi.org/10.18235/0008865.
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This publication aims to help donors, creditors and investors evaluate the performance, condition and risk of individual microfinance institutions in Latin America and the Caribbean, in hopes of strengthening the microfinance industry and building the microenterprise sector. It provides concrete and reliable reference values for several benchmark indicators relevant to the industry. Specifically, it explores nineteen benchmark indicators in six major categories: profitability, capital, asset quality, liquidity, productivity, and growth. The report finds important patterns with regard to institutional form, size, and maturity. Moreover, the report represents an attempt to assign reference values to these indicators for the microfinance industry in Latin America and the Caribbean.
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Coli, Pedro, Caroline Pflueger, Tyler Campbell, and L. Javier Garcia. Blockchain Uses for Microfinance Institutions in the Water and Sanitation Sector: Pilot Study. Edited by Mauro Nalesso and Keisuke Sasaki. Inter-American Development Bank, 2021. http://dx.doi.org/10.18235/0003273.
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Microfinance Institutions (MFIs) are organizations that provide small loans to borrowers who typically lack collateral, steady employment, or a verifiable credit history and therefore do not have access to traditional commercial banking. Blockchain technology could be used to create a more holistic view of the financial position of a potential borrower, which could result in better lending decisions. This study explores how blockchain technology has the potential to assist Microfinance Institutions in the water and sanitation sector through a pilot project developed in Peru. The improvements seen in the existing microfinance ecosystem during the implementation of the blockchain platform can be sorted into two main groups: improved institutional performance, and data ownership for the individuals.
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Macdonald, Kier. Financing for Micro, Small, and Medium-sized Enterprises in Kenya. Institute of Development Studies, 2025. https://doi.org/10.19088/k4dd.2025.006.
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This rapid evidence review assesses the recent academic and grey literature on the topic of financing for micro, small and medium-sized enterprises (MSMEs) in Kenya . The literature reveals a dearth of highly-cited papers on the topic, and while there are a number of studies which are positive on the effectiveness of different types of financing on the performance of MSMEs, there is scope for further literature which engage with the potential risks or problems associated with different financing methods. The literature demonstrates that the landscape for MSME financing in Kenya is relatively fragmented, with commercial banks dominating lending to MSMEs, but with a growing number of other lenders such as microfinance banks (MFBs), savings and credit cooperative organisations (SACCOs), and unregulated microfinance institutions (MFIs) and informal lenders.
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Global Microscope on the Microfinance Business Environment 2011. Inter-American Development Bank, 2011. http://dx.doi.org/10.18235/0006457.
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This report outlines the findings of the Economist Intelligence Unit's in-depth analysis of the microfinance business environment in 55 countries. The index that underlies this report allows countries and regions to be compared across two broad categories: Regulatory Framework and Practices, which examines regulatory and market-entry conditions, and Supporting Institutional Framework, which assesses business practices and client interaction. The Microscope was originally developed for countries in the Latin American and Caribbean region in 2007 and was expanded into a global study in 2009. Most of the research for this report, which included surveys, interviews and desk analysis, was conducted in the first half of 2011. This year's Microscope builds on last year's study, but significantly improves it by utilising a new methodology, increasing the number of interviews conducted per country, and featuring financial performance data to provide context for each country's scores.