Issues In Accountability Between Microfinance Institutions Mfis And Stakeholders In A Multi Socio Cultural Linguistic Context
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Issues In Accountability Between Microfinance Institutions Mfis And Stakeholders In A Multi Socio Cultural Linguistic Context
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Author : Fidelis Kedju Akanga
language : en
Publisher:
Release Date : 2014
Issues In Accountability Between Microfinance Institutions Mfis And Stakeholders In A Multi Socio Cultural Linguistic Context written by Fidelis Kedju Akanga 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.
Role Of Governance In Microfinance Sustainability
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Author : Md Nazim Uddin
language : en
Publisher: Springer Nature
Release Date :
Role Of Governance In Microfinance Sustainability written by Md Nazim Uddin and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Social Accountability Of Microfinance Institutions In South Asian Region
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Author : Iftekhar Ahmed
language : en
Publisher:
Release Date : 2019
Social Accountability Of Microfinance Institutions In South Asian Region written by Iftekhar Ahmed and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.
The purpose of the study is to examine the social accountability and argue comparison of outreach level of microfinance institutions (MFIs) in member countries of South Asian Association for Regional Cooperation. The inquiry has employed quantitative research approach to meticulous secondary data that has quantify using financial ratio and multiple regression analysis. Our results expose that gross loan portfolio (GLP) has a significant positive relation with the number of clients served. Conversely, the average loan balance per borrower per gross national income per capital and average outstanding balance have significant negative relation to the dependent variable. On the other hand, the yield on a GLP, size of MFIs and operational self-sufficiency has insignificant effect to the number of active borrowers. Eventually the study found no evidence of trade-off between profitability and outreach breadth. However, interest rate, board and ownership structure and outreach depth issue suggested for the further studies.
Financial Inclusion And Livelihood Transformation
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Author : Srimoyee Datta
language : en
Publisher: Springer Nature
Release Date : 2023-08-28
Financial Inclusion And Livelihood Transformation written by Srimoyee Datta and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-08-28 with Business & Economics categories.
This book explores the role and effect of Microfinance Institutions (MFIs) with different dimensions. It is being supported with strong empirical evidence into various parameters of MFIs directed towards inclusive finance and the transformation journey of livelihoods of its beneficiaries. It also incorporates empirical evidence with the perception of both beneficiaries and non-beneficiaries. Starting its journey toward the path of comprehending how MFIs make their footprint among the excluded population in the selected areas, it incorporates the different outcomes of MFI lending like credit utilisation patterns, income generation, and employability. As financial stability helps to break out the vicious cycle of poverty, this book emphasises the self-dependent element for the beneficiaries and their households. It addresses the important issue of the female counterparts in society. It shows how the MFIs work actively to generate female empowerment from multiple dimensions among the selected communities. It addresses key issues to consider for inclusive policy formulation, especially for backward communities in the backward areas and gives a realistic scenario of the MFI activities, their interactions with the respondents, the various outcomes, and areas for further developments, etc. This book is beneficial for academicians, researchers, and policymakers.
Comparative Review Of Microfinance Regulatory Framework Issues In Benin Ghana And Tanzania
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Author :
language : en
Publisher: World Bank Publications
Release Date : 2005
Comparative Review Of Microfinance Regulatory Framework Issues In Benin Ghana And Tanzania written by 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 2005 with Bank categories.
Abstract: The authors 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 raise important issues on promoting microfinance development vis-à-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 authors use the three countries' regulatory experiences 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. They address 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.
A Study Of Accounting And Accountability Practices In Microfinance Institutions Mfis
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Author : Widin Bongasu Sha'ven
language : en
Publisher:
Release Date : 2015
A Study Of Accounting And Accountability Practices In Microfinance Institutions Mfis written by Widin Bongasu Sha'ven and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
Mfi Regulation And Supervision
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Author : David Onditi
language : en
Publisher:
Release Date : 2019-05-16
Mfi Regulation And Supervision written by David Onditi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-05-16 with categories.
Research Paper (undergraduate) from the year 2019 in the subject Business economics - Business Management, Corporate Governance, grade: A+, University of Nairobi (Main Campus), course: International Business, language: English, abstract: There are a number of key principles of microfinance regulations. However, empirical research indicates that some key principles such as governance, and capital adequacy should be the main focus of the microfinance regulation and supervision. CGAP (2012) developed the Consensus guideline for the supervision and regulation of the microfinance institutions (MFIs). CGAP indicated that the MFIs should have a higher capital adequacy ratios as compared to the commercial banks since the microloans issued by the MFIs have insufficient security and the borrowers main motivation to repay the loans is the expectation that they would receive more loans. The MFIs are at a higher risk of loan delinquency contagion that can lead to a significant increase in the de-capitalization. Berger agreed with the above view by stating that MFIs need to have minimum capital adequacy as a means of helping the organizations to overcome the volatilities. The researcher thus concurs that capital adequacy should be a key principle in the regulation and supervision of the MFIs due to the volatilities associated with low collateral quality in the MFI loans, and increased risk of loan repayment delinquency. However, the principle should only apply to the MFIs that offer uncollateralized loans or in the cases where the security is not adequate to effectively cover the loan.
Sustainability Of Indian Microfinance Institutions
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Author : Nadiya Marakkath
language : en
Publisher: Springer
Release Date : 2016-08-23
Sustainability Of Indian Microfinance Institutions written by Nadiya Marakkath and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-08-23 with Business & Economics categories.
Although 'doing good' is our innate nature, we often get lost in the complexities and view goodness as a distant dream. Making this dream of goodness a reality is often thwarted by thoughts surrounding sustainability. Thus, all good initiatives require a focus on sustainability and this has become one of greatest and most formidable challenges faced by any social enterprise. The book documents the understanding of the sustainability of one of the most celebrated forms of social enterprise of our times — Microfinance Institutions (MFIs) gained through a mixed-methods research investigation. It attempts to answer pertinent questions such as: What are the determinant and discriminating factors for the sustainability of MFIs in India? How are these factors being managed by the operationally efficient Indian MFIs that remained sustainable at reasonable interest rates before the onset of the crisis and ceilings imposition in Indian microfinance markets? What does the Indian microfinance crisis teach us about sustainability management and mismanagement? In a nutshell, the answers show that sustainability is a strategic issue that needs managerial attention and not a matter to be left to serendipity. At a time when the industry is recovering from the adverse effects of a crisis and when there are still contentions as to whether the rate fixed by the regulator is enough for the sustenance of the MFIs, the findings mentioned in the book revive the lost hope for the Indian microfinance industry. By deciphering the strategies used by efficient and sustainable MFIs and discussing the lessons that the crisis has imparted to the Indian microfinance markets, this book will enable Indian MFIs to march towards efficient and sustainable operations without losing focus on their clients.
Stakeholders On Board
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Author : Mohammad Delwar Hussain
language : en
Publisher:
Release Date : 2020
Stakeholders On Board written by Mohammad Delwar Hussain and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.
Purpose: This study develops an applicable governance structure based on multi-theoretical approach with relevant factors by using Bangladesh as a case study for doing microfinance governance research by considering stakeholders participation on board and its impact on double bottom-line performances.Design/Methodology/Approach: This research utilized longitudinal dataset (80 MFIs with 13 years and 1040 observations), with econometrics modelling to ascertain cause and effect relationship among the variables.Findings: In view of 'social-welfare & commercial logic' it found MFI's services to the poor are non-linearly influenced by profitability. If MFIs pursue high profit it tends to decrease the outreach. It contributes the existing literature by supporting stewardship theory that is CEO duality is important for developing countries. It develops new dimensions of variables considering MFIs age and size as a moderating role based on stakeholder and resource dependence theory which explain the positive and significant impact on dual performances.Practical Implications: The findings of this study suggest that MFIs can appoint a social director, as the microfinance board of directors, have to make sure that the MFIs follow the social duty. This kind of directors has been representing the clients for the MFIs.Originality/Value: This study has emphasized on governance indicators by considering board effectiveness which may be prejudiced by MFIs' competency. Meanwhile, board associates should uphold stakeholders' wellbeing rather than administrations. Ensuring microfinance governance there is a necessity for comprehensive superintendent principles.Limitation/Implication: This study copes with limitations considering data availability, time constraint, geographical, or cultural differences, etc. In Bangladesh, there is no centralized data based on microfinance research. It is persistently afflicted by information limitations. So, future research may consider those approaches and develop the extent of MFIs' outreach to the poor as well as institutional sustainability.
Finance And Social Responsibility In The Informal Economy
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Author : Hao Liang
language : en
Publisher:
Release Date : 2014
Finance And Social Responsibility In The Informal Economy written by Hao Liang 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.
We examine the heterogeneous effects of globalization on the interest rate setting by microfinance institutions (MFIs) around the world. We consider MFIs as a mechanism to overcome the institutional void of credit for small entrepreneurs in developing and emerging economies. Using a large global panel of MFIs from 119 countries, we find that social globalization that embraces egalitarian institutions on average reduces MFIs' interest rates. In contrast, economic globalization that embraces neoliberal institutions on average increases MFIs' interest rates. Moreover, the proportions of female borrowers and of poorer borrowers negatively moderate the relationship between social globalization and MFI interest rate, and positively moderate the relationship between economic globalization and MFI interest rate. This paper contributes to understanding how globalization processes can both ameliorate and exacerbate challenges of institutional voids in emerging and developing economies.