Impact Assessment Methodologies for Microfinance: Theory, Experience and Better Practice

Hulme, David

doi:10.1016/s0305-750x(99)00119-9

Cited by 330 publications

(250 citation statements)

References 15 publications

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“…The methodological issues involved have been surveyed by Hulme (2000) who identifies three different paradigms: the scientific method, the humanistic tradition, and participatory action learning (PLA). Six methodologies used to assess outreach-the social bottom line-deserve further discussion: IMP-ACT, AIMS, SROI, Accion PAF, CGAP (PAT) and SPI.…”

Section: Spimentioning

confidence: 99%

Social efficiency in microfinance institutions

Nieto

Serrano‐Cinca

Molinero

2009

Journal of the Operational Research Society

222

174

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Microfinance Institutions (MFIs) are a special case in the financial world. They have a double financial and social role and need to be efficient at both. In this paper we try to measure the efficiency of MFIs in relation to financial and social outputs using Data Envelopment Analysis. For the analysis of financial efficiency we rely on existing literature for traditional financial institutions. To this we have added two indicators of social performance: impact on women, and a poverty reach index. A series of hypotheses on MFIs have been entertained, that concern the relationship between social and financial efficiency, and the relationship between efficiency and other indicators, such as profitability. Other aspects studied are the relation between social efficiency and type of institution -Non-Governmental Organisation (NGO), non-NGO-, and the importance of geographical region of activity. The results reveal the importance of social efficiency assessment. JEL Classification: G290

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Section: Spimentioning

confidence: 99%

Social efficiency in microfinance institutions

Nieto

Serrano‐Cinca

Molinero

2009

Journal of the Operational Research Society

222

174

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“…Other subjects of considerable research, and indeed debate, include issues of differential impact according to borrowers' poverty levels (Coleman 2006;Islam 2007;Khandker 2005;Mosley and Hulme 1998) and the reconcilability of the economic viability of microfinance programs' with their objective of alleviating poverty (Copestake 2007;Morduch 2000;Rahman 2004;Woller and Woodworth 2001;Woolcock 2006). As the goals of development have been broadened, research attention has turned toward the social and political impacts of microcredit (Develtere and Huybrechts 2005;Hulme 2000). In particular its potential to empower women has been much discussed.…”

Section: Introductionmentioning

confidence: 99%

“…Related to this is the observation that little ethnographic research on consequences to microcredit users has been carried out . Qualitative approaches have been recognized as in a privileged position to unravel and interpret the processes at play in microcredit interventions (Hulme 2000;Rahman 1999). Still, to date microcredit has received limited sociological and anthropological attention (recent exceptions include , Lont and Hospes (2004) and Perry (2002)).…”

Section: Introductionmentioning

confidence: 99%

“…This confirms earlier less systematic estimates that loan diversion "is probably higher than 50%" (Borchgrevink et al 2003:30). This paper has analyzed how Tigrayan farmers practice loan diversion as a deliberate and "vital strategy" (Hulme 2000:85, see also Borchgrevink et al (2003)). It has shown how farmers counter seasonal food, seed and oxen shortages with microloans.…”

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confidence: 99%

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The Role of Farmers and Informal Institutions in Microcredit Programs in Tigray, Northern Ethiopia

Segers¹,

Dessein²,

Develtere³

et al. 2010

Perspect Global Dev Technol

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“…As mentioned by Hulme (1997), "behind all microfinance programs is the assumption that intervention will change human behaviors and practices in ways that lead to the achievement (or raise the probability of achievement) of desired outcomes." The conceptual model of impact chain presents a complex set of links as each 'effect' becomes a 'cause' in its own right generating further effects.…”

Section: Conceptual Model and Hypothesismentioning

confidence: 99%

Investigating the Effect of Amanah Ikhtiar Malaysia’s Microcredit Program on Their Clients Quality of Life in Rural Malaysia

Mamun¹,

Adaikalam²,

Wahab³

2011

IJEF

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The objective of this study is to examine the impact of Amanah Ikhtiar Malaysia's (AIM) microcredit program on their poor client's quality of life in rural Malaysia. AIM provides small scale financial services and training to poor and hardcore poor households in order to improve their socio-economic condition. This study employed a cross-sectional design with stratified random sampling method to examine whether participation in AIM's microfinance programs improves poor rural households quality of life. A quality of life index using eleven selected indicators was developed. Findings of this study extend the literature by providing empirical evidence that access to microfinance improved quality of life of the poor rural households in Malaysia. The findings show that respondent's participation status is associated with the size and quality of their houses. AIM should therefore focus on increasing the outreach as well as review and re-organize their programs in order to offer a dynamic and well-diversified microfinance program to fulfill all financial needs of their poor clients in rural areas.

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Impact Assessment Methodologies for Microfinance: Theory, Experience and Better Practice

Cited by 330 publications

References 15 publications

Social efficiency in microfinance institutions

Social efficiency in microfinance institutions

The Role of Farmers and Informal Institutions in Microcredit Programs in Tigray, Northern Ethiopia

Investigating the Effect of Amanah Ikhtiar Malaysia’s Microcredit Program on Their Clients Quality of Life in Rural Malaysia

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