The New Microfinance Handbook

Sanchez, Ines Arevalo; Churchill, Craig; Collins, Daryl; Earne, Julie; El-Zoghbi, Mayada; Ferrand, David; Gähwiler, Barbara; Gibson, Alan; Johnson, Susan O.; Lauer, Kate; Ledgerwood, Joanna; Lehman, Joyce; Ribo, Ignacio Mas; Mcconaghy, Peter; Miller, Craig R.; Nelson, Candace C.; O’Keeffe, Geraldine; Rutherford, Stuart; Sherk, Lisa; Staschen, Stefan; Vincze, Joakim

doi:10.1596/978-0-8213-8927-0

Cited by 122 publications

(7 citation statements)

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“…Microfinance (MF) perpetrated it recognition all over the world because of its remarkable achievement (Ledgerwood et al, 2013). All over the developing world, deep rooted and multifaceted poverty annihilation is becoming a challenge, despite of substantial caution from beginning to end in a mixture of poverty alleviation programs, it is becoming hard to combat the pervasive social and economic poverty.…”

Section: Introductionmentioning

confidence: 99%

In competency Aspects of Microfinance Industry: Via SFA approach

Riaz¹

2015

JEBS

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Microfinance is a well known terminology used for microcredit and financial services for financially deprived community. Through informal, semi-formal and formal ways different institutions has been providing these services. Expenditure of the industry is considered to be high because of its inherent structure, dealing with small loans and having high risk of recovery. Therefore, expected inefficiency is greater than its profit. There are several factors and reason. Through this study, we analyzed few factors which have a positive or negative relation with the inefficiency of Microfinance in Pakistan. Stochastic frontier analysis (SFA) is used for weighing up a relationship between inefficiency and its determinants. It is seen that the average efficiency of this sector is low, on average the highest technical efficiency score is 87 only. Age and number of clients have a negative relationship with inefficiency whereas for other variable's relationship is conditional on Microfinance Institutions (MFIs) working status. The number of women borrowers and average loan balance has been incorporated in the study to analyze the focus of MFIs, either on mission drift or achievement. We found that microfinance banks (MFBs) are drifting away, however, Non Government Organizations (NGOs) and Rural Support Programs (RSPs) are fulfilling their social mission efficiently. We did not find a strong evidence of mission drift in the industry because microfinance banks considered their social mission on second priority. Hence, if MFBs are drifting away from their social services, it is not unexpected.

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Section: Introductionmentioning

confidence: 99%

In competency Aspects of Microfinance Industry: Via SFA approach

Riaz¹

2015

JEBS

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“…Traditionally, microcredit primarily consisted of loans invested productively in microenterprises. People living in disadvantaged regions, however, often have limited investment opportunities, while their other needs are more urgent (Ledgerwood et al, 2013). Using the Vietnam access Resources Household Survey (VaRHS) of 2012, Do and Bauer (2016) found heterogeneous effects of both formal and informal credit on borrowers' income in northern mountainous areas.…”

Section: Impact Of the Microfinance Programmementioning

confidence: 99%

Does Microfinance Improve the Household Welfare of Ethnic Minorities? Evidence from Bac Kan Province, Vietnam

Goto

2020

Progress in Development Studies

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Although a large number of studies have investigated the impacts of microfinance on rural households, their effects on ethnic minorities, who are among the left-behind groups, have not been evaluated. This study examines whether microfinancing provided by the Vietnam Bank for Social Policies (VBSP) improves the household welfare of ethnic minorities living in northern mountainous regions of Vietnam. A stratified random sampling technique is applied to a sample of 289 households. Propensity score matching (PSM) is used to estimate the impacts of microfinance loans. Coarsened exact matching (CEM) is employed to verify the consistency of the PSM estimates. The results show positive and consistent impacts of microfinance loans on total expenditure per capita and educational expenditure per student, which supports the welfare effects of microfinance loans on ethnic minorities in northern mountainous areas of Vietnam.

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“…In microfinance, financial performance is concerned with profitability, productivity and efficiency of an MFI (Balkenhol and Hudon, 2012, Serrano-Cinca et al, 2012and Ledgerwood, O'Keeffe, & Arevalo, 2013. "Efficiency is a matter of transforming inputs such as staff, funds, and equipment into loans, deposits, other financial and non-financial services at least costs" (Balkenhol & Hudon, 2012, p. 385).…”

Section: Mfi's Financial Performance: Definition and Measurementmentioning

confidence: 99%

On The Two-Way Relationship between Corporate Reputation and Financial Performance in Microfinance: A Stakeholder Approach

Lusambo¹

2017

IJBM

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This conceptual paper is grounded on three main observations. First, the lack of a theoretical framework on which a consistent model of the two-way relationship between corporate reputation and financial performance can be developed. Second, the lack of microfinance literature on the role played by corporate reputation as a social construct, and an intangible asset, in the strategic management of MFIs. Third, the impact of ethical issues and competitive challenges amplified by the commercialization of microfinance, and their threats to safeguarding the double-bottom (or triple-bottom) line of microfinance. Theoretical findings suggest that the Wu-Stuart Framework can be used as a benchmark to justify an embedded theory of firm underlying the circular link hypothesis into an institutional environment. Thus, the EP-SP-FP model highlights that MFI's corporate reputation could act both as a moderating effect on the dynamic of MFI's financial performance, and a mediating or balancing effect on the trade-off between social, environmental, and financial performance of MFI.

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The New Microfinance Handbook

Cited by 122 publications

References 0 publications

In competency Aspects of Microfinance Industry: Via SFA approach

In competency Aspects of Microfinance Industry: Via SFA approach

Does Microfinance Improve the Household Welfare of Ethnic Minorities? Evidence from Bac Kan Province, Vietnam

On The Two-Way Relationship between Corporate Reputation and Financial Performance in Microfinance: A Stakeholder Approach

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