Social and financial efficiency: Institutional characteristics of the partner organizations of Pakistan Poverty Alleviation Fund

Ali, Zulfıqar; Ullah, Ikram; Nazir, Naila; Asif, Muhammad; Azeem, Muhammad Waqar

doi:10.1371/journal.pone.0244444

Cited by 7 publications

(8 citation statements)

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“…When the data have a regular distribution, indicating no positive or negative skewness, a parametric test is sufficient (Ali et al, 2020;Iqbal N. et al, 2020). However, a non-parametric test can be used where the necessary assumptions are not met.…”

Section: Non-parametric Analysismentioning

confidence: 99%

RETRACTED: Sustainable financial dimensions of managing poverty in the era of the COVID-19 pandemic: A developing country perspective

Dai

Anis

et al. 2022

Front. Environ. Sci.

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The COVID-19 pandemic is dangerous to people’s lives and livelihoods, creating immediate obstacles for organizations that support impacted populations. This research concentrates on the consequences for local microfinance institutions in Pakistan, which is a well-developed sector that has pulled many households out of the poverty trap. Microfinance programs in Pakistan provide financial resources to vulnerable and deprived people to engage in income-generating practices on more favorable terms. As a result, this study addressed and assessed the financial dimensions of managing poverty reduction in rural Pakistan through the microfinance segment and its effectiveness on poverty-reduction programs in Pakistan during the COVID-19 pandemic. The primary data were collected through a questionnaire survey to determine the views of the households, beneficiaries, and non-beneficiaries on the outcome and efficacy of poverty-reduction programs during the pandemic to meet the study objectives. The Mann-Whitney U test of the non-parametric method and Cronbach’s alpha of the data reliability test have been applied for the empirical analysis. According to the non-parametric findings, programs, marital status, working women members, and resources such as land, livestock, business assets, shares, and loans have all been affected during the COVID-19 pandemic. Education, wages, gender, size, child dependency, and district variables are significant factors related to poverty, but they fell into second position during COVID-19. These findings suggests that the small loan system must be improved and made efficient during the pandemic. This could be a practical tool to maintain poor people’s current economic and poverty position.

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Section: Non-parametric Analysismentioning

confidence: 99%

RETRACTED: Sustainable financial dimensions of managing poverty in the era of the COVID-19 pandemic: A developing country perspective

Dai

Anis

et al. 2022

Front. Environ. Sci.

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“…Microcredits have shown to be an essential source of funding in many developing countries in Asia (Ali et al. 2020 ) and Latin America. However, nothing has been said about the profiles of microcredit holders in these countries.…”

Section: Conclusion Recommendations Policy Implications and Future Re...mentioning

confidence: 99%

A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA

Rambaud

Pascual

Santandreu³

2023

Financ Innov

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The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients’ profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower’s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies.

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“…The techniques also require no assumption about the distribution of the variables and can be used for several inputs and outputs in the model [28,29,[38][39][40]. Owing to these advantages against other competing methods, the majority of the empirical studies use DEA for performance evaluation of the MFPs (see for instance, [38,[40][41][42][43][44][45][46][47][48][49][50][51]. Following the bulk of the literature, the current study also uses DEA to examine the social and financial efficiency of the POs operating under PPAF.…”

Section: Plos Onementioning

confidence: 99%

Financial and social efficiency of microcredit programs of partner organizations of Pakistan Poverty Alleviation Fund

et al. 2023

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This paper examines the financial and social efficiency of the microcredit programs offered by the Pakistan Poverty Alleviation Fund partner organizations. Panel data concerning variables of interest are collected from Pakistan Microfinance Network, covering a minimum of 14 partner organizations (in 2005) to a maximum of 35 partner organizations (in 2014). The data is analyzed using the Data Envelopment Analysis, assuming both constant and variable returns to scale scenarios and the operational scale of the partner organizations. Trends in average efficiency scores have been analyzed to assess the mission drift of the partner organizations. Results reveal that managerial inefficiency is more pronounced than the sub-optimal production scale in all three scenarios under consideration. Moreover, trends in the efficiency scores indicated a slight mission drift of the microfinance providers. About 77.5% of the partner organizations were financially sustainable over the entire study period. The study recommends providing objective-oriented training, workshops, and seminars for managing microfinance providers.

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Social and financial efficiency: Institutional characteristics of the partner organizations of Pakistan Poverty Alleviation Fund

Cited by 7 publications

References 50 publications

RETRACTED: Sustainable financial dimensions of managing poverty in the era of the COVID-19 pandemic: A developing country perspective

RETRACTED: Sustainable financial dimensions of managing poverty in the era of the COVID-19 pandemic: A developing country perspective

A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA

Financial and social efficiency of microcredit programs of partner organizations of Pakistan Poverty Alleviation Fund

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