Relevant bibliographies by topics / Variables: microfinance institutions; microfinance; performance

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
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Academic literature on the topic 'Variables: microfinance institutions; microfinance; performance'

Author: Grafiati
Published: 10 September 2021
Last updated: 18 February 2022

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Journal articles on the topic "Variables: microfinance institutions; microfinance; performance"

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Muriithi Njue, Alex, Samuel Nduati Kariuki, and Duncan Mugambi Njeru. "Liquidity Management and Financial Performance of Microfinance Institutions in Kenya." Journal of Social Sciences Research, no. 611 (November 19, 2020): 943–53. http://dx.doi.org/10.32861/jssr.611.943.953.

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Sound liquidity management is integral for any financial institution’s stability and profitability, since deteriorating liquidity management is the most frequent cause of poor financial performance. As with any financial institution, the biggest risk in microfinance sector is lending money and not getting it back leading to liquidity problems as most of them have no access to lender of the last resort which is the Central Bank of Kenya. The study sought to investigate the effect of liquidity management on financial performance of microfinance institutions in Kenya. The target population of the study was all the twenty-six microfinance in Kenya that are members of Association of Microfinance Institutions and were licensed by the Central Bank of Kenya as at 2017. A census of all the twenty-six 26 Microfinance Institutions in Kenya was conducted for five years from 2012 to 2016. Secondary data on the study variables was gathered from the audited financial statements of the Microfinance Institutions. The study employed random effect model on a 5-year panel data from 2012 to 2016 on all the 26 Microfinance Institutions in Kenya. The study found a positive relationship between capital adequacy and financial performance and a negative relationship between asset quality, maturity gap and financial performance. The study would help Microfinance Institutions as they would use the research findings to develop liquidity management strategies to enable Microfinance Institutions improve on their financial performance.
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Bakker, Anuschka, Jaap Schaveling, and André Nijhof. "Governance and microfinance institutions." Corporate Governance 14, no. 5 (September 30, 2014): 637–52. http://dx.doi.org/10.1108/cg-03-2014-0032.

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Purpose – This paper aims to determine the influence of governance mechanisms on sustainability and outreach of microfinance institutions (MFIs). Corporate governance has been identified as a key bottleneck in strengthening MFIs’ sustainability (financial performance) and increasing their outreach (social impact). Design/methodology/approach – First, a literature study to give insight in the microfinance sector is provided. Subsequently, the data research has been performed based on the statistics of one of the funds of a Dutch independent investment manager, which is focused on responsible investments in developing countries. Hierarchical multiple regression analyses were conducted to examine the association between governance mechanisms and the respective dependent variables. Findings – The results show that boards of a MFI with insiders (for example, employees) are a significant predictor of sustainability. Regulation impacts sustainability significantly in a negative way. Overall, the study shows that only a limited number of variables influence the sustainability and outreach of an MFI. Research limitations/implications – The limitation of the studied investment fund is that it invests in expanding and mature MFI’s. So the results of this research can only be generalized to expanding and mature MFI’s. Practical implications – The governance mechanisms that are recommended in the industry guidelines and which are studied here are often not relevant in respect to sustainability and outreach of MFIs. The approach to microfinance governance should be broadened by focusing more on stakeholders and the decision making process in an MFI. Social implications – Good governance is key for the microfinance institutions and even more complicated than for regular companies that do not have a double bottom line (sustainability and outreach). to be successful in the future, and for clients to reach the best end result, it is essential that the governance mechanisms that influence the bottom line are determined. Originality/value – Not much research has been done with respect to the governance mechanisms, which have impact on the sustainability and outreach of MFIs.
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Ashraf, Ali, M. Kabir Hassan, and William J. Hippler III. "Performance of microfinance institutions in Muslim countries." Humanomics 30, no. 2 (May 6, 2014): 162–82. http://dx.doi.org/10.1108/h-11-2013-0073.

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Purpose – The aim of the paper is to analyze whether performance measures and their factors for microfinance institutions (MFIs) in Muslim countries are significantly different from those in their non-Muslim counterparts, central to the Islamic scholars' argument that religious and cultural norms in Muslim countries may drive the preference of Islamic microfinance over conventional microfinance. Design/methodology/approach – Using a cross-sectional dataset of 2,138 firm-years for 754 different MFIs across 83 countries, 33 Organization of Islamic Conference (OIC) member Muslim countries and 50 non-member countries, we analyzed the MFI performance based on three sets of measures: outreach, loan recovery and profitability and overall financial performance measures, with respect to two sets of explanatory variables, namely, country-specific and firm-level variables. Findings – Results show that country gross domestic product size is positively related with profitability, and the percentage of women borrowers is also significant in driving loan recovery and firm profitability in the OIC sample, but they are otherwise not significant for the rest of the world sample. Practical implications – This study contributes to the understanding of the core argument in the motivation of Islamic MFIs, which is whether cultural and religious factors are important for MFI success in Muslim countries. Originality/value – This study introduces a variable that measures the difference between a country's independence year and their OIC membership year as a proxy for the “country religious inclination” of a Muslim country. Results suggest that countries with delayed membership in OIC show lower inclination to popular Islamic beliefs and higher market penetration of conventional microfinance outreach. Positive relationships among a country's religious inclination and loan loss ratios and loan provisions are also consistent with the moral hazard hypothesis that few religious communities may be more prone to default.
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Sari, Maheni Ika, and Retno Endah Supeni. "Gender, Subsidies and Financial Capital Impact on Microfinance Institutions Performance." Global Journal of Business and Social Science Review (GJBSSR) Vol. 3(2) 2015 3, no. 2 (April 20, 2015): 67–71. http://dx.doi.org/10.35609/gjbssr.2015.3.2(9).

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Objective - The purpose of this study was to investigate the influence of gender, subsidies, and financial capital on microfinance institutions performance. Methodology/Technique - Multiple linear regressions were used to analyze data. The type of data which used is secondary data from historical financial statements obtained from the Department of Cooperatives and SME's Jember. Findings - The study shows that gender and subsidies have negatively affected to ROA. Once applied physical capital and age as control variables strengthened the significance of the effect of both on ROA. Financial capital has significant positive effect on ROA. Novelty - Extended knowledge on factors affecting microfinancial institution's performance. Type of Paper - Empirical Keywords: Gender, Subsidies, Financial Capital, ROA, Microfinance Institutions.
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Nurasyiah, Aas. "AN EMPIRICAL STUDY OF ISLAMIC MICROFINANCE PERFORMANCE FOR POOR FAMILY: MAQASHID AL-SHARIA PERSPECTIVE." AFEBI Islamic Finance and Economic Review 3, no. 01 (March 6, 2020): 46. http://dx.doi.org/10.47312/aifer.v3i01.253.

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<p><em>This research motivated by Islamic Microfinance performance measurement which still adopting on the performance measurement of microfinance in general that limited to the measurement of material. Therefore, efforts urgently needed to introduce more holistic measurement in assessing the performance of Islamic Microfinance based on tawheed principle. Thus, this study aims to measure the performance of Islamic Microfinance institutions based on Maqashid Al-Sharia. This research method uses quantitative approach with descriptive quantitative research design, which measures variables based on certain indicators. The location of the research is KOPMU-DT as one of the Islamic Microfinance institutions located in Bandung. The population of the study was the members KOPMU-DT wide-spread, among thousand people, but the withdrawal sample technique uses non-probability sampling with a sample of 100 members, based on the criteria that have been determined. Based on the research result, generally the members of KOPMU-DT increased living standards of the family economy and the performance of running micro-businesses. In Maqashid Al-Sharia perspective, the members experience a change in the principles of Ad-Din Al-Aql, A-nafs, An-Nasl and Al-Maal. However, among five principles, Al-Aql increases lower than other principles. In the future, to improve the performance of Islamic Microfinance, especially in KOPMU-DT, needs technical effort / business of accompaniment improvement to develop entrepreneurship from members. In addition, needs to give appreciation to the consistent members and disciplined in order to refund to add its financing to stimulate the operating business, without losing spiritual accompaniment to strengthen the achievement of Maqashid Al-Sharia of the empowerment members of Islamic Microfinance institution.</em></p><strong><em>Keywords: </em></strong><em>Islamic Microfinance, Maqashid Al-Sharia, Performance</em>
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Shu-Teng, L., M. A. Zariyawati, M. Suraya-Hanim, and M. N. Annuar. "Determinants of Microfinance Repayment Performance: Evidence from Small Medium Enterprises in Malaysia." International Journal of Economics and Finance 7, no. 11 (October 27, 2015): 110. http://dx.doi.org/10.5539/ijef.v7n11p110.

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<p>Microfinance was introduced in Malaysia to provide financing services to the poor and Small Medium Enterprises (SME) to start up business. The borrower may use the facility to finance business activities such as to purchase assets and additional capital to expand their business. Microfinance helps SME that have limited access to get loan from financial institutions. Financial institutions specifically commercial bank refuse to provide microfinance facilities to SME due to the high default rate among the majority of borrowers who obtain loan without collateral. In addition, the percentage of non-performing loan (NPL) of microfinance in Malaysia has been increasing. Therefore, the objective of this research is to analyze the determinants of SMEs loan repayment performance in Malaysia. Results showed that there are four variables with significant relationship towards loan repayment namely educational level, business experience, amount of loan and loan tenure.</p>
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Triki, Mohamed Wajdi, and Younes Boujelbene. "Determinants of the Performance of African Microfinance Institutions." International Journal of Sustainable Economies Management 3, no. 4 (October 2014): 45–58. http://dx.doi.org/10.4018/ijsem.2014100105.

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Performance evaluation is part of the chain of financial transparency which involves the production, verification, analysis, synthesis, dissemination and use of information on the financial performance of a micro-finance institution (MFI). In this study, the authors will try to show the convergence or divergence between social performance and the financial performance by answering the following question: are there to arbitration / compatibility between the two types of performance. To answer this question, this study will be organized in such manner the first section outlines a brief literature review of microfinance in terms of both welfarist approaches (social) and institutionalists. The second section describes the characteristics of the sample of 141 MFIs in 21 countries in the MENA region and Africa based on the year of 2005 and 2010. By defining the variables that identify each type of performance with a new index created for social performance called “Depth of Outreach” (noted DEPTH). The financial performance is described by financial indicators namely profitability, portfolio quality and productivity. The authors finish this study by a third section which presents the main results of a factor analysis applied to the sample in order to study the nature of relationship between the two types of performance.
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Sari, Yuli Indah, and Widiyanto Bin Mislan Cokrohadisumarto. "MODELING SUSTAINABILITY MODEL OF ISLAMIC MICROFINANCE INSTITUTIONS." Journal of Islamic Monetary Economics and Finance 5, no. 4 (December 27, 2019): 713–40. http://dx.doi.org/10.21098/jimf.v5i4.1127.

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Islamic microfinance institutions (IMFI) - such as the Baitul Maal wat Tamwil (with cooperative legal entities) that have been established in Indonesia - as part of the shariah-compliant financial industry sector (part of the halal sector) - need to be maintained their sustainability so as to encourage efforts to eradicate poverty and promote economic growth. In observing the sustainability of BMT, studies involving aspects of human quality that carry out internal activities are rarely examined in other studies. Therefore, the purpose of this stud is to create a model that is useful for predicting the sustainability of IMFI especially BMT based on variables that are considered important, namely; financing growth, Islamic human capital, fraud, and Islamic leadership. The model was analyzed using multiple regression analysis based on the stepwise method. Primary data (cross-sectional) taken in 2019 using questionnaires consisting of 105 respondents from the administrators and managers of BMTs in Semarang and Pekalongan Residency areas. We found that only two variables have a significant influence on the sustainability of Islamic microfinance institutions, these variables are financing growth and Islamic human capital. The results of the study can be used by practitioners to improve the performance of Islamic Micro Finance, especially BMT, through the distribution of funding in the context of economic improvement (especially micro-enterprise), spiritual strengthening for human resources owned, risk prevention, and appropriate leadership criteria. JEL Classification: G21, J24, Q01 Keywords: Islamic microfinance, Human capital, Sustainability, Model
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Gudjonsson, Sigurdur, Kari Kristinsson, Haukur Freyr Gylfason, and Inga Minelgaite. "FEMALE ADVANTAGE? MANAGEMENT AND FINANCIAL PERFORMANCE IN MICROFINANCE." Business: Theory and Practice 21, no. 1 (February 6, 2020): 83–91. http://dx.doi.org/10.3846/btp.2020.11354.

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The purpose of the article is to investigate whether female presence in microfinance institutions’ management team, i.e. board members, managers and loan officers, will improve their financial performance. We combine financial data on MFIs that is available from the MIX Market database with original data on the gender composition of MFIs’ management team, who include board members, managers and loan officers. This original dataset of 223 MFIs is analyzed using Logit-Tobit regression models with return on assets (ROA) as the dependent variable and proportion of female board members, female loan officers and female managers as the main independent variables. We find that a higher proportion of female managers and female loan officers improve financial performance in microfinance, while a higher proportion of female board members does not. Our results indicate that a major contributor to the financial sustainability of microfinance institutions is having a higher rate of women in vital decision-making roles, especially lower level management positions.
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Md Nazim Uddin, Hamdino Hamdan, Nor Azizan Che Embi, Salina Kassim, and Norma Bt Md Saad. "Job Satisfaction of Female Employees in Microfinance Institutions of Bangladesh." International Journal of Entrepreneurial Research 3, no. 1 (February 29, 2020): 1–7. http://dx.doi.org/10.31580/ijer.v3i1.925.

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The purpose of this study is to examine the level of female employee satisfaction regarding their job of microfinance institutions in Bangladesh. Moreover, it focuses on the various factors that influence female employee job satisfaction of microfinance institutions. The study utilised quantitative research methods and used Herzberg’s motivation-hygiene theory (19590. A total of 24 structured questionnaires with five dimensions have been given to 100 female respondents of selected microfinance institutions in Bangladesh. The findings reveal that some variables (performance-based salary increment, available opportunities for promotion, satisfaction on job environment, colleagues help during huge workload, opportunity to interact with other employees on a formal level, use of skill, experience & qualification, recognition for good work, and learning opportunity) have significant impact on female employee satisfaction in the microfinance institutions. The limitation of the studied investment fund is that it invests in expanding and mature microfinance institutions (MFIs). So the results of this research can only be generalised to expanding and mature MFIs. This study aims at contributing for better female employees job satisfaction of the MFIs given that it has substantial implications on financial benefit, work environment, job security, decision making, training and resources of the MFIs.
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Dissertations / Theses on the topic "Variables: microfinance institutions; microfinance; performance"

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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
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.
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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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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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
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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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.
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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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
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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Maitrot, Mathilde Rose Louise. "The social performance of microfinance institutions in rural Bangladesh." Thesis, University of Manchester, 2014. https://www.research.manchester.ac.uk/portal/en/theses/the-social-performance-of-microfinance-institutions-in-rural-bangladesh(19928eac-5064-4610-b163-a852371cf7f1).html.

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Microfinance was rapidly hailed as a poverty alleviation tool by development agencies, researchers and practitioners. Despite the increasing capacity of MFIs to manage their financial sustainability, impact studies available report disappointingly low social achievements. Social performance assessment tools available struggle to combat a narrow MFI-centric approach which often overlooks contextual issues and institutional characteristics which can influence MFIs’ poverty reduction potential. This research’s main objective is to identify which and explain how organisational structures and management systems impact on MFIs’ social performance. This work uses a bottom-up research strategy, based on a 10-month extensive fieldwork in Bangladesh, a 490 household data-set, an ethnographic community study in Modhupur and institutional analyses of ASA and PDBF. It analyses the livelihoods, capitals and strategies of rural households in Bangladesh, explores their perceptions and experiences of microfinance and examines the management of socio-financial trade-offs within MFIs at different hierarchical levels. The research’s main findings seriously question the poverty reducing potential of standardised commercialised microfinance in settings characterised by vulnerability, shocks and seasonality, such as rural Bangladesh. It finds that although most MFIs have similar poverty reduction missions it is the way in which their organisational structures, managementsystems and working cultures are arranged that shapes their financial and social achievements. There is strong evidence that commercial MFIs can experience a silent practice drift at the field level in Bangladesh and that the commercialisation of MFIs provides strong incentives for the field staff to prioritise the achievement of their financial targets to the detriment of social performance, discouraging them from reporting low social performance. There are therefore few reasons why MFI senior managers should question their model and policies. This drift can manifest itself through malpractices hard-selling of loans, poor client selection and follow-up procedures, forcing clients into borrowing more and larger loans, using extreme forms of pressure through abusive language and behaviours and micro-collateral. This process usually has longer-term negative impacts on clients, especially the very poor who adopt successive short-term coping tactics to meet inflexible repayment schedules. This thesis concludes that commercial microfinance should not be targeted to the poorest and that more consideration should be given to clientselection and follow-up procedures. This thesis argues that the commercialisation of the global microfinance industry serves the interests of diverse stakeholders who contribute to maintaining the industry’s reputation though the media. This can be deemed an iceberg industry (that shows little of its actual workings and impacts to the public) which is sustained through considerable support from an increasing number of private investors for whom MFIs’ commercial expansion (regardless of its social achievements) serves their financial and political interests.
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Khachatryan, Knar. "Managing microfinance institutions : linking performance with service and capital portfolios." Phd thesis, Université Nice Sophia Antipolis, 2013. http://tel.archives-ouvertes.fr/tel-00911726.

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It has been commonly acknowledged that in order to reach the target clienteles with loans at attractive terms and conditions, an appropriate technology for delivering financial services must be developed. Next to this, current developments in microfinance industry encourage MFIs to offer wide-ranging services within a multiservice portfolio including microsavings, microinsurance, remittances, mobile banking etc. One of the main pillars of this trend has become MFIs increasing interest in the expansion into the savings market to reach more poor clients as well as to lower costs by attracting presumably cheaper deposits. Joint services are tailored to better meet needs of the poor and aim at building sustainable financial systems and establishing closer and long-term relationship with clients. Furthermore, the rapid evolution of microfinance has generated another essential and closely related trend: commercialization. The focus of this dissertation is on three emerging issues associated with the development of microfinance sector: incentive mechanisms to address contract enforcement and screening problems, performance of MFIs though the lenses of combined microfinance services (credit plus savings), and performance of MFIs though the lenses of capital structure. The essays in the dissertation vary in research methodology: one essay is theoretical and two are empirical. Moreover, the data come from diverse microfinance units: Microfinance Information Exchange (MIX) online database and Microfinance Centre for Central & Eastern Europe and the New Independent States (MFC). As far as methods are concerned the empirical essays use less frequently applied methodologies in microfinance studies: seemingly unrelated regression (SUR) and propensity score matching (PSM).
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Nguyen, Quynh Anh Mai. "Financial services for the poor in Vietnam : a comprehensive analysis on the performance and sustainability of microfinance sector." Thesis, https://doors.doshisha.ac.jp/opac/opac_link/bibid/BB13135797/?lang=0, 2020. https://doors.doshisha.ac.jp/opac/opac_link/bibid/BB13135797/?lang=0.

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The dissertation chooses Vietnam as a typical case to address the gap in microfinance studies. Instead of focusing on the beneficiaries of the microfinance system, as many studies have been done, the subjects of this study are microfinance institutions (MFIs). The objective is to suggest a balanced sustainability approach for MFIs in Vietnam that refers to governance practices, legal environmental, and social and financial objectives as equally important. Particularly, it identifies the constraints and the potential, and suggests workable approaches to support Vietnam microfinance providers in extending and developing services throughout the country in a financially sustainable manner.
博士(現代アジア研究)
Doctor of Philosophy in Contemporary Asian Studies
同志社大学
Doshisha University
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Acclassato, Houensou Denis. "Réglementation et performances des institutions de microfinance dans l'UEMOA : analyse des expériences au Bénin." Thesis, Orléans, 2009. http://www.theses.fr/2009ORLE0511.

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Au sein de l’Union Monétaire Ouest Africaine (UEMOA), une réglementation spécifique desactivités de microfinance existe mais bon nombre de ces institutions continuent d’exercer enmarge de la réglementation sans que les autorités de régulation ne soient en mesure d’y mettrefin. La réglementation a des avantages mais aussi des coûts pour les institutions demicrofinance (IMF) déclarées et l’anticipation des pertes ou des gains nets par ces institutionspeut accélérer ou ralentir leur mise en conformité avec la loi. Les travaux de cette thèse ontanalysé la réponse des institutions de microfinance à la mise en place de cette réglementation.De façon spécifique, elle a renseigné le lien entre réglementation et performance à partir desdonnées empiriques dans le but d’évaluer les incitations à la demande de réglementation. Ilest possible de substituer la régulation prudentielle à la discipline de marché dans la microintermédiationfinancière car l’effet bénéfique net pour les systèmes de financementdécentralisés est positif. Malgré leur vocation sociale, toutes les institutions de microfinancen’assurent pas pleinement leur double mission d’équilibre financier et de performance sociale.En effet, nombreuses sont celles qui ont une stratégie orientée vers la performance financière.Les résultats de nos travaux suggèrent également d’accroître l’effort de surveillance de lagouvernance des IMF jusqu’à un niveau minimum requis afin d’améliorer leur revenufinancier
In West African Economic and Monetary Union (WAEMU), microfinance institutions (MFIs)are regulated by specific laws but many of them operate outside the regulatory framework.Regulation has advantages but also costs for regulated institutions and the anticipation ofgains or costs may strengthen or limit their incentives for regulation. We analyze MFIsreactions to the implementation of that regulation. In other way, we investigate the linkbetween regulation and performance by using empirical data to estimate the incentives forregulation. We find, it is possible to substitute the prudential regulation for market disciplinein the microfinance intermediation because the net benefit is positive. In spite of their socialvocation, some MFIs prefer ensuring financial performance. Our findings also suggest thatincreasing governance's effort improves MFIs financial income
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Books on the topic "Variables: microfinance institutions; microfinance; performance"

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Anebo, Tsegaye. Ethiopian Microfinance Institutions: Performance analysis report. Addis Ababa: Association of Ethiopian Microfinance Institutions, 2005.

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Anebo, Tsegaye. Ethiopian microfinance institutions: Performance analysis report. Addis Ababa: Association of Ethiopian Microfinance Institutions, 2006.

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Peck, David. Ethiopian microfinance institutions: Performance analysis report. Addis Ababa, Ethiopia: Association of Ethiopian Microfinance Institutions, 2009.

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Anebo, Tsegaye. Ethiopian microfinance institutions: Performance analysis report. Addis Ababa: Association of Ethiopian Microfinance Institutions, 2007.

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Peck, David. Ethiopian microfinance institutions: Performance analysis report. Addis Ababa, Ethiopia: Association of Ethiopian Microfinance Institutions, 2009.

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Peck, David. Ethiopian microfinance institutions: Performance analysis report. Addis Ababa, Ethiopia: Association of Ethiopian Microfinance Institutions, 2009.

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Peck, David. Ethiopian microfinance institutions: Performance analysis report. Addis Ababa, Ethiopia: Association of Ethiopian Microfinance Institutions, 2009.

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Kifle, Anteneh, ed. Ethiopian microfinance institutions performance analysis report. Addis Ababa, Ethiopia: Association of Ethiopian Microfinance Institutions, 2011.

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Peck, David. Ethiopian microfinance institutions: Performance analysis report. Addis Ababa: Association of Ethiopian Microfinance Institutions, 2010.

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Anebo, Tsegaye. Ethiopian Microfinance Institutions: Performance analysis report. Addis Ababa: Association of Ethiopian Microfinance Institutions, 2008.

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Book chapters on the topic "Variables: microfinance institutions; microfinance; performance"

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Mersland, Roy, and R. Øystein Strøm. "Measuring Microfinance Performance." In Microfinance Institutions, 12–30. London: 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, 1–11. London: Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663_1.

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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, 208–26. London: 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, 53–78. London: Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663_4.

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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, 148–69. London: 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, 167–76. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-48853-6_12.

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Parmeter, Christopher F., and Valentina Hartarska. "Performance of Microfinance Institutions: A Review∗." In Handbook of Production Economics, 1–29. Singapore: Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-10-3450-3_33-1.

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Hashim, Maryam Jameelah, Adewale Abideen Adeyemi, and Syed Musa Alhabshi. "Effects of Intellectual Capital on Microfinance Institutions’ Performance." In Proceedings of the 2nd Advances in Business Research International Conference, 187–96. Singapore: Springer Singapore, 2017. http://dx.doi.org/10.1007/978-981-10-6053-3_18.

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Astawa, I. P., I. M. Sudana, N. G. N. S. Murni, and I. G. N. Sanjaya. "Social performance measurement through local culture in microfinance institutions." In Business Innovation and Development in Emerging Economies, 633–41. Leiden, The Netherlands : CRC Press/Balkema, [2019]: CRC Press, 2019. http://dx.doi.org/10.1201/9780429433382-58.

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Dang, Thuy T., Nguyen Tran Xuan Linh, and Hau Trung Nguyen. "Operational Performance of Microfinance Institutions: The Case of Lower-Middle Income Countries in Asia." In Prediction and Causality in Econometrics and Related Topics, 362–78. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-77094-5_28.

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Conference papers on the topic "Variables: microfinance institutions; microfinance; performance"

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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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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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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). Paris, France: Atlantis Press, 2019. http://dx.doi.org/10.2991/icame-18.2019.51.

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Ferdousi, Farhana. "Performance of Microfinance Institutions in Asia: DEA based Efficiency Analysis." In 2013 International Conference on the Modern Development of Humanities and Social Science. Paris, France: Atlantis Press, 2013. http://dx.doi.org/10.2991/mdhss-13.2013.23.

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Layyinaturrobaniyah, L., M. Anwar, S. R. Nidar, and Y. R. Nababan. "Microfinance Institutions and MSMEs Performance in the Framework of Poverty Alleviation." In 3rd Global Conference On Business, Management, and Entrepreneurship (GCBME 2018). Paris, France: Atlantis Press, 2020. http://dx.doi.org/10.2991/aebmr.k.200131.024.

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Sutanto, Harry. "Competitive Strategy Based on Transformation and Dynamic Capabilities in Resulting Business Performance of Islamic Microfinance Institutions." In International Conference, Integrated Microfinance Management for Sustainable Community Development(IMM 2016). Paris, France: Atlantis Press, 2016. http://dx.doi.org/10.2991/imm-16.2016.9.

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Jawadi, Nabila, Fredj Jawadi, and Ydriss Ziane. "Information and Communication Technologies contribution to Microfinance Institutions performance: An empirical investigation of developing and emerging financial markets." In 2010 2nd IEEE International Conference on Information Management and Engineering. IEEE, 2010. http://dx.doi.org/10.1109/icime.2010.5477467.

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Reports on the topic "Variables: microfinance institutions; microfinance; performance"

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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, May 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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