Financial Performance And Social Goals Of Microfinance Institutions
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Financial Performance And Social Goals Of Microfinance Institutions
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Author : Julian Schmied
language : en
Publisher: Universitätsverlag Potsdam
Release Date : 2014-12-01
Financial Performance And Social Goals Of Microfinance Institutions written by Julian Schmied and has been published by Universitätsverlag Potsdam this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-12-01 with categories.
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.
Microfinance Institutions
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Author : R. Mersland
language : en
Publisher: Springer
Release Date : 2014-12-10
Microfinance Institutions written by R. Mersland and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-12-10 with Business & Economics categories.
Research on MFI performance is still in its infancy. MFIs are hybrid organizations with dual objectives. Performance studies in microfinance are therefore less straightforward compared to performance studies in traditional banking research. This book contains new MFI performance research by top scholars from across the globe.
Financial Performance Of Microfinance Institutions In Ghana And Uganda
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Author : Johannes Flosbach
language : en
Publisher: LIT Verlag Münster
Release Date : 2015
Financial Performance Of Microfinance Institutions In Ghana And Uganda written by Johannes Flosbach and has been published by LIT Verlag Münster this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Development credit corporations categories.
This book examines the determinants of financial performance of microfinance institutions (MFIs) in Ghana and Uganda, against the backdrop of the public and academic debate over the financial and social implications of microfinance. In the absence of a conceptual model, the study chooses an inductive research approach with the objective of defining and developing a conceptual model with the capacity to explain, quantify, and compare the performance of MFIs. The research is particularly relevant in the African context where microloan interest rates regularly exceed 100% per annum and where the microfinance industry is lacking behind its global peers in regard to financial and social performance. (Series: Contributions to the Africa Research / Beitrage zur Afrikaforschung - Vol. 59) [Subject: Economics, Finance, African Studies]
Social Purpose Commercialization And Innovations In Microfinance
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Author : Md Aslam Mia
language : en
Publisher: Springer Nature
Release Date : 2022-03-07
Social Purpose Commercialization And Innovations In Microfinance written by Md Aslam Mia and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-03-07 with Business & Economics categories.
This book analyses three key aspects of microfinancing, namely social purpose, commercialization and innovations and examines, through a global perspective, how these aspects helped and diverted microfinance institutions towards the attainment of their dual goals over the last twenty years. Since microfinance remains informal in nature for most economies, not all financial innovations are suitable for its needs. Hence, the arguments in the book put forth an important challenge to the advocates of innovations and subsequently highlight why MFIs should be cautious when integrating innovations to ensure its original promise. The book is based on empirical analysis by utilising the latest and global microfinance market data, rather than focusing on a specific region. Thus, the book bridges a gap in knowledge by unravelling detail of the social purpose, commercialization and innovations within the field of microfinance and will be a valuable resource for those exploring the dynamics of innovations in microfinance.
The Role Of Financial Analysis On The Financial Performance Of Microfinance Institutions In Rwanda A Case Study Of Inyongera Sacco Cyuve From 2011 To 2015
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Author : Augustin Mudakemwa
language : en
Publisher: GRIN Verlag
Release Date : 2020-06-24
The Role Of Financial Analysis On The Financial Performance Of Microfinance Institutions In Rwanda A Case Study Of Inyongera Sacco Cyuve From 2011 To 2015 written by Augustin Mudakemwa and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-06-24 with Business & Economics categories.
Bachelor Thesis from the year 2017 in the subject Business economics - Accounting and Taxes, grade: 16.5, INES Ruhengeri Institute of Applied Science, course: Accounting, language: English, abstract: This study’s is main objective was to analyze the role of financial analysis on the financial performance of microfinance institutions in Rwanda under three specific objectives. The first was to assess the indicators of financial analysis in Inyongera SACCO/Cyuve. The second was to analyze the determinants of the financial performance in Inyongera SACCO/Cyuve. The third was to measure the relationship between financial analysis indicators and the financial performance determinants in Inyongera SACCO/Cyuve. The following research questions were used to test the above objectives: What are the indicators of financial analysis in Inyongera SACCO/Cyuve? What are the determinants of financial performance in Inyongera SACCO/Cyuve? What is the relationship between financial analysis indicators and the financial performance determinants in Inyongera SACCO/Cyuve? A descriptive research design was used. Data was collected from both primary and secondary sources using questionnaire, interview and documentation. The results of this research showed that financial revenues of Inyongera SACCO/Cyuve has generated more profit in the period of 2013 where it was 74%, and this year 2013 is experienced year profit where the Inyongera SACCO/Cyuve generated more profit. This was due to the decrease of operating expenses in this year within the reduction in personnel expenses compared to other years. And the 2011 is not more considered because it was the starting year. The recommendations given to Inyongera SACCO/Cyuve were to calculate its expenses, financial ratios to be able to assess the expenses incurred comparing to sales realized and gross margin obtained for a better control of production cost and other expenses. The institution should reduce its costs to maximize profit which is the common goals for all organizations in order to make efficient and effectiveness of its business.
The Triangle Of Microfinance
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Author : Manfred Zeller
language : en
Publisher: Intl Food Policy Res Inst
Release Date : 2002-01-01
The Triangle Of Microfinance written by Manfred Zeller and has been published by Intl Food Policy Res Inst this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002-01-01 with Business & Economics categories.
Since the 1980s when the microfinance revolution began, much has been accomplished, but the field became more refined in the 1990s as a result of shifts in paradigms, strategies, and development practices. This volume addresses the three policy objectives that now occupy those who wish to use credit as a development tool: financial sustainability of microfinance institutions, outreach to the poor, and welfare impact. Inevitable tradeoffs exist among these objectives, and the book advances an analytical framework that assists students of and experts in microfinance to identify the tradeoffs and synergies at the institutional level and in the policy environment. The book features a wealth of empirical data and innovative analytical studies, and critically discusses the role of public support for microfinance institutions (MFIs) in light of the social costs and benefits generated by such financial systems. The book is organized into five parts. The first discusses the demand for and access to financial services by the poor, emphasizing that demand-oriented, pro-poor financial services are crucial in reaching the poor. The second is concerned with two of the criteria used to evaluate MFIsoutreach and financial sustainability. The third features innovative econometric studies seeking to evaluate the impact of MFIs at the household level. The fourth looks at the role of both public- and private-sector institutions in developing sustainable financial systems. And the fifth summarizes implications for policy and research. Given the lack of sound, empirical literature on microfinance, this volume is sure to advance knowledge and research methodology in the field.
Financial Performance And Outreach
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Author : Robert J. Cull
language : en
Publisher: World Bank Publications
Release Date : 2006
Financial Performance And Outreach written by Robert J. Cull and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Bank loans categories.
Microfinance contracts have proven able to secure high rates of loan repayment in the face of limited liability and information asymmetries, but high repayment rates have not translated easily into profits for most microbanks. Profitability, though, is at the heart of the promise that microfinance can deliver poverty reduction while not relying on ongoing subsidy. The authors examine why this promise remains unmet for most institutions. Using a data set with unusually high quality financial information on 124 institutions in 49 countries, they explore the patterns of profitability, loan repayment, and cost reduction. The authors find that institutional design and orientation matter substantially. Lenders that do not use group-based methods to overcome incentive problems experience weaker portfolio quality and lower profit rates when interest rates are raised substantially. For these individual-based lenders, one key to achieving profitability is investing more heavily in staff costs-a finding consistent with the economics of information but contrary to the conventional wisdom that profitability is largely a function of minimizing cost.
Mission Drift In Microfinance
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Author : Pim Engels
language : en
Publisher: ibidem-Verlag / ibidem Press
Release Date : 2010-07-01
Mission Drift In Microfinance written by Pim Engels and has been published by ibidem-Verlag / ibidem Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-07-01 with Political Science categories.
Investments in microfinance by institutional investors are growing. The investors benefit from a dual return investment opportunity by balancing financial and social returns. Yet, commercial microfinance institutions tend to focus on their financial performance. Reaching out to wealthier clients while crowding out poorer clients enhances their profitability - a phenomenon called mission drift.Pim Engels has analysed the data of 600 microfinance institutions operating in 84 countries and presents now new insights to the phenomenon of mission drift. Based on his findings investors can recognise and prevent mission drift taking place amongst the microfinance institutions in their portfolio.
Financial Performance Measurement
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Author : Diana Gaciukia Makunyi, Chris Masakala, Jackson Mnago Ndungo, Dr. Rutto Peter Ketyenya, Dr. Egungwu, Ikenna, Lemein Korei Koitamet
language : en
Publisher: AJPO Journals USA LLC
Release Date : 2023-02-17
Financial Performance Measurement written by Diana Gaciukia Makunyi, Chris Masakala, Jackson Mnago Ndungo, Dr. Rutto Peter Ketyenya, Dr. Egungwu, Ikenna, Lemein Korei Koitamet and has been published by AJPO Journals USA LLC this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-02-17 with Business & Economics categories.
TOPICS IN THE BOOK Impact of Micro Finance Institutions on Poverty Eradication in Meru South Sub-County, Kenya The Role of Budgeting Process in Financial Performance: A Case Study of Bugisu Cooperative Union Ltd Mbale, Uganda Effect of Information Sharing Function on Financial Performance of Savings and Credit Co-Operative Societies Performance Measurement, Growth and Structure of Commercial Banks in East Africa Intellectual Capital and Corporate Performance in Nigeria Banks Effect of Financial Access on the Performance of Social Entrepreneurship Firms in Kenya
A Research Agenda For Financial Inclusion And Microfinance
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Author : Marek Hudon
language : en
Publisher: Edward Elgar Publishing
Release Date : 2019
A Research Agenda For Financial Inclusion And Microfinance written by Marek Hudon and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with Business & Economics categories.
How can financial services, such as credit, deposit accounts, financial transfers, and insurance be provided to people in need? This challenging and complex issue has been a topic of interest for the international aid community for decades. Drawing on renowned experts in microfinance and financial inclusion, this Research Agenda sheds much-needed light on this multifaceted challenge and points the way ahead for future research.