Financial Performance Of Microfinance Institutions In Ghana And Uganda
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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]
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 In Africa
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Author : S. Rajagopalan
language : en
Publisher:
Release Date : 2009
Microfinance In Africa written by S. Rajagopalan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Africa categories.
Africa is home to some of the poorest and vulnerable populations in the world. The ten poorest countries in the world are in Africa. Sub-Saharan Africa is the region with the highest incidence and greatest depth of poverty in the world. Fewer than one in five adults in Africa has access to the services of a formal or semi-formal financial institution. Microfinance in Africa is growing, though. A broad range of diverse institutions offer financial services to the poor and low-income clients in Africa. These include non-governmental organizations, non-banking financial institutions, cooperatives, credit unions, rural banks, Rotating Savings and Credit Associations (ROSCAs), postal financial institutions and an increasing number of commercial banks. Increasingly, technology is being used to expand microfinance outreach mobile phone banking is one such example. This book provides an overview of the microfinance sector in Africa, reviews the performance and impact of microfinance institutions in the region, and outlines some of the opportunities and challenges that African microfinance has on hand.
A Framework For Regulating Microfinance Institutions
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Author : Joselito S. Gallardo
language : en
Publisher:
Release Date : 2002
A Framework For Regulating Microfinance Institutions written by Joselito S. Gallardo and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Financial services industry categories.
How does a country's legal and regulatory framework affect the sustainability of microfinance? Does a tiered approach to regulation help to integrate microfinance into the formal financial system? And are there lessons to be learned from the experience of Ghana and the Philippines with a tiered approach?
Promoting Microfinance
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Author : R. Manos
language : en
Publisher: Springer
Release Date : 2015-12-04
Promoting Microfinance written by R. Manos and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-12-04 with Business & Economics categories.
Promoting Microfinance brings together essays and empirical work by leading researchers and practitioners in the field of microfinance. It covers key issues currently facing the microfinance industry and provides an overview of the microfinance industry in selected countries/regions, pointing to the direction in which it is heading.
Factors Affecting The Performance Of Microfinance Institutions In Uganda
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Author : Andrew Katusabe
language : en
Publisher:
Release Date : 2017-09-26
Factors Affecting The Performance Of Microfinance Institutions In Uganda written by Andrew Katusabe and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-09-26 with categories.
Doctoral Thesis / Dissertation from the year 2013 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: .69, Uganda Management Institute (Uganda Management Institute), course: Masters in Business Administration Degree, language: English, abstract: The purpose of this study was to examine factors affecting the performance of microfinance institutions in Uganda. Hofokam Limited (Ltd) was used as a case study. The objectives of the study were: to assess the effect of governance mechanisms on the performance of Hofokam Ltd, to establish the effect of management information systems on the performance of Hofokam ltd and to find out the extent to which finding affects the performance of it. The study sample was 48 and the findings showed that the selection criteria of the board members was not based on related experience and management remuneration was not competitive enough to attract and retain talent. The Management Information System didn't support real time reporting for decision making and branches were not networked with head office with the MIS, the microfinance institution had struggled to access reasonable capital with affordable terms since the donor funding stopped. The study drew conclusions that governance mechanisms greatly affected the performance of microfinance as they determine the direction of the MFI, MIS in its state had a relatively low impact on the performance of Hofokam Limited and that funding was not a critical success factor for MFI performance as compared to other factors. The study recommends that the selection of the Board should be to a large extent based on ones' professional experience, the MFI shouldn't commit all efforts to be regulated as it has not proved a success factor for many other MFIs, the MIS in use should be upgraded to enable linkage across the branches and head office rather than invest in a totally new software, the MFI should look at increasing the level of operational efficiency e
Comparative Review Of Microfinance Regulatory Framework Issues In Benin Ghana And Tanzania
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Author : Joselito Gallardo
language : en
Publisher:
Release Date : 2014
Comparative Review Of Microfinance Regulatory Framework Issues In Benin Ghana And Tanzania written by Joselito Gallardo and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
Gallardo, Ouattara, Randhawa and Steel investigate the microfinance regulatory regimes in Benin, Ghana and Tanzania, with a view to identifying key issues and lessons on how the overall regulatory framework affects integration of microfinance institutions into the financial system. The authors find that recognizing different tiers of both regulated and unregulated institutions in a financial structure facilitates financial deepening and outreach to otherwise underserved groups in urban and rural areas. That environment promotes sustainable microfinance under shared performance standards, and encourages regulatory authorities to develop appropriate prudential regulations and staff capacity. Case studies of the three countries raised important issues on promoting microfinance development vis-a-vis regulating them. Laws to regulate activities other than intermediation of public deposits into loans can result in disproportionately restrictive and unmanageable standards, even as dynamic microfinance sectors have emerged without conducive regulatory regimes. The three countries' regulatory experiences are used to highlight the importance of differentiating when prudential supervision is warranted and when regulatory oversight suffices, and to identify the agencies to carry out regulation. The paper addresses an important issue that has received scant attention, measuring and paying for the costs of regulating microfinance, and the need to build technical capacity of supervisory and regulatory staff.
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.
Microfinance Institutions
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Author : R. Mersland
language : en
Publisher: Springer
Release Date : 2015-12-11
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 2015-12-11 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.
Transforming Microfinance Institutions
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Author : Joanna Ledgerwood
language : en
Publisher: World Bank Publications
Release Date : 2006-08-30
Transforming Microfinance Institutions written by Joanna Ledgerwood 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 2006-08-30 with Business & Economics categories.
In response to a clear need by low-income people to gain access to the full range of financial services including savings, a growing number of microfinance NGOs are seeking guidelines to transform from credit-focused microfinance organizations to regulated deposit-taking financial intermediaries. In response to this trend, this book presents a practical 'how-to' manual for MFIs to develop the capacity to become licensed and regulated to mobilize deposits from the public. 'Transforming Microfinance Institutions' provides guidelines for regulators to license and regulate microfinance providers, and for transforming MFIs to meet the demands of two major new stakeholders regulators and shareholders. As such, it focuses on developing the capacity of NGO MFIs to mobilize and intermediate voluntary savings. Drawing from worldwide experience, it outlines how to manage the transformation process and address major strategic and operational issues inherent in transformation including competitive positioning, business planning, accessing capital and shareholders, and how to 'transform' the MFI's human resources, financial management, MIS, internal controls, and branch operations. Case studies then provide examples of developing a new regulatory tier for microfinance, and how a Ugandan NGO transformed to become a licensed financial intermediary. This book will be invaluable to regulators and microfinance NGOs contemplating institutional transformation and will be of tremendous use to donors and technical support agencies supporting MFIs in their transformation.