Download or read book Assessing the Sustainability efficiency of Sub saharan Africa s Microfinance Institutions as it Relates to Solving Poverty Stimulating Economic Growth written by Ariel Prochowski and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: My dissertation reviews a plethora of microfinance institutions (MFIs) in countries all over Sub-Saharan Africa to investigate their sustainability. I find my paper to be particularly relevant and crucial as MFIs need to function proficiently to satisfy their dual mandate of aiding the underprivileged and being sustainable. My belief is that MFIs are not reaching their goals of delivering microfinance services (e.g. mediating monies between lenders and borrowers) that leave their clients better off in the long-run.
Download or read book The Financial Sustainability of Micro Finance Institutions in Sub Saharan Africa written by Hanna Kattilakoski and published by GRIN Verlag. This book was released on 2020-08-05 with total page 103 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2018 in the subject Business economics - Investment and Finance, grade: 90.0, Cologne Business School Köln, language: English, abstract: The aim of this study is to understand the factors that drive financial sustainability in microfinance institutions. To accomplish this, several indicators for operational self-sufficiency (OSS) were investigated through correlation and regression analysis. The results indicate that the drivers for operational self-sufficiency include return on assets, number of active borrowers and profit margin. The analysis also showed that in terms of OSS and profitability, there is little difference between for-profit and non-profit organizations. To increase operational self-sufficiency institutions should increase return on asserts, the number of active borrowers and their profit margin. The results support the profit-incentive theory and the financial systems approach. These results indicate that to achieve financial sustainability MFIs should focus on covering operating expenses through earned revenues. Therefore, MFI structure should encourage cost-oriented management. Additionally, findings from this study revealed that there may not be a large tradeoff in efficiency and outreach. Results showed that operationally self-sufficient MFIs actually have a larger outreach than non-self-sufficient organizations. Limitations for this study include that the regression only explains the variables affecting OSS with 26 % certainty and other variables not tested may also be factors
Download or read book Financial Sustainability of Micro Finance Institutions in Sub Saharan Africa written by Hanna Kattilakoski and published by GRIN Verlag. This book was released on 2020-06-23 with total page 6 pages. Available in PDF, EPUB and Kindle. Book excerpt: Presentation slides from the year 2018 in the subject Business economics - Business Management, Corporate Governance, grade: 90, Cologne Business School Köln, language: English, abstract: What factors influence the financial sustainability of microfinance institutions in Sub-Saharan Africa?
Download or read book Microfinance and Sustainable Development in Africa written by Alhassan, Yahaya and published by IGI Global. This book was released on 2021-12-10 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: The use of microfinance for poverty reduction and economic development in the developing world is growing. However, this concept needs to be expanded to ensure its successful application for achieving longer-term economic growth and sustainability in developing countries, particularly in parts of the world such as Africa. As such, further research into the relationship between microfinance and sustainable development in developing regions is required to fully understand the opportunities for effective use of microfinance for poverty reduction and economic development. Microfinance and Sustainable Development in Africa examines the complex relationship between receipt of microfinance, poverty reduction, economic growth, and microbusiness development, focusing on the provision of small credit facilities as a driver of sustainable development in Africa. Its coverage of topics such as microbusiness, social finance, and sustainable development make this book an ideal reference source for academicians, researchers, government officials, policymakers, organizations, managers, instructors, and students.
Download or read book An Evaluation of the Performance of Microfinance Institutions in Ghana written by Felix Kwame Aveh and published by . This book was released on 2011 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The thesis examines factors that influence sustainability and success of microfinance institutions in Ghana. The topic is important, particularly in poverty stricken Africa, where microfinance institutions play a significant role in supporting governments' initiatives to reduce/alleviate poverty. The developed model is tested using data collected from 14 face-to-face interviews and 114 questionnaires. The data is analysed using different techniques - descriptive statistics, cross-tabulations and regression analysis. The research design and scale of the study are appropriate to both the problem addressed and doctoral level research. A number of factors in the model developed were found to be influencing the sustainability and success of microfinance institutions. A model was proposed that seeks to offer an explanation of sustainability and success of Microfinance Institutions in Ghana. The proposed model identified five categories being: institutional characteristics, agency costs, business strategy, environment/governance and success. Single factor analysis established positive relationships between sustainability and all the five factors but placed more emphasis on three out of the five factors namely; success, business strategy and environment/governance. Multiple factor analysis established no significant differences in the sustainability with respect to the type of MFI, ownership and source of funding. Multiple Regression which allows for the testing of theories or models established a significant relationship between the Operational Self Sufficiency (OSS) and the predictors, especially the drop-out rate of clients and average loans. The Subsidy Dependence Index (SDI) was calculated for the various types of MFIs and the result was a high dependency ratio especially among the FNGOs. Though the dependency is on the decline, it is very slow indicating that most MFIs will depend on subsidies for a very long time to come. Finally it was observed that the relatively high interest rates charged by most of the MFIs tended to defeat the purpose for which the microfinance movement came about. Not only did the study confirm the research model, but it also revealed that most owners did not exhibit a deep sense of involvement and used general knowledge to practice in Ghana. The study concluded that success factors, business strategy, and environment/governance were the most critical of the sustainability factors in Ghana. It is therefore important that managers develop institutional capacities especially in managing the agency problem effectively if they have to be sustainable and successful.
Download or read book Microfinance As a Sustainable Solution for Alleviating Poverty written by Rebecca Rockey and published by LAP Lambert Academic Publishing. This book was released on 2010-11 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book presents the hot topic of microfinance, comparing the success of microfinance institutions across two geographic regions: Africa and Asia (specifically sub-Saharan Africa [SSA] and south Asia). The success of a microfinance institution is defined by its outreach and sustainabilty, which indicate social and economic performance as well as impact. Looking more closely at poverty issues, sub-Saharan Africa poverty has essentialy doubled to 380 million (more than the U.S. population) over 20 years despite many political and economic attempts to restore economic growth. Comparing reforms taken by China and Vietnam that resulted in large and sustainable reductions in poverty, this book argues that sub-Saharan Africa has much larger issues outside of access to credit by the poor that hinder economic development. While microfinance shows to have played a role in smoothing consumption, it has not shown increased entrepreneurship or self-sufficiency and has not affected aggregate poverty levels at all.
Download or read book Microfinance as a Sustainable Solution for Alleviating Poverty written by Rebecca S. Rockey and published by . This book was released on 2010 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper presents the hot topic of microfinance, comparing the success of microfinance institutions across two geographic regions: Africa and Asia (specifically sub-Saharan Africa [SSA] and south Asia). The success of a microfinance institution is defined by its outreach and sustainabilty, which indicate social and economic performance as well as impact. Looking more closely at poverty issues, poverty in sub-Saharan Africa has essentialy doubled to 380 million (more than the U.S. population) over the last 20 years despite many political and economic attempts to restore economic growth. Comparing reforms taken by China and Vietnam that resulted in large and sustainable reductions in poverty, this paper argues that sub-Saharan Africa has much larger issues outside of access to credit by the poor that hinder economic development. While microfinance shows to have played a role in smoothing consumption1, it has not shown increased entrepreneurship or self-sufficiency and has not affected aggregate poverty levels at all. This paper is organized as follows: the first section is an introduction to the theory of microcredit and microfinance; the second section presents a clearer defintion of microfinance goals and measures; the third section presents a brief history of microfinance (where it originated in Bangladesh); the fourth section discusses developmental policy and the role of finance in alleviating poverty (with a case study of China); and the fifth section analyzes the effectiveness of microfinance in alleviating povery in sub-Saharan Africa and combines my findings in a positive synthesis of the information offered.
Download or read book Sustainability in Sub Saharan Africa written by Jennifer L. De Maio and published by . This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book integrates the theory, practice, ethics, and policy of sustainability to better evaluate the implications for problems and responses to sustainable development in Africa. Chapters from leading scholars provide context and a deeper understanding of the critical issues in sustainability in the sub-Saharan African world.
Download or read book The Effect of Subsidies on the Performance and Sustainability of Microfinance Institutions in Sub Saharan Africa written by Menzie S. Dlamini and published by . This book was released on 2012 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Microfinance in Sub Saharan Africa written by Irene Banda Mutalima and published by . This book was released on 2022 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Benchmarking the Financial Performance Growth and Outreach of Greenfield Microfinance Institutions in Sub Saharan Africa written by Robert Cull and published by . This book was released on 2017 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent years there has been a rapid increase in the presence and growth of greenfield microfinance institutions in Sub-Saharan Africa. This paper uses regressions to benchmark those African greenfields relative to other microfinance providers and finds that greenfields grew faster in terms of deposits and lending, improved their profitability to levels comparable to the top microfinance institutions, and substantially increased their lending to women. The effects were especially strong for greenfields that followed a consultant-led model to establish a deep retail banking presence spanning multiple countries, including the creation of extensive branch networks. Although their loan sizes are somewhat larger than those of most African microfinance institutions, indicating less outreach to the poorest market segments, greenfields have achieved rapid gains in financial inclusion on a broad scale.
Download or read book Achieving Sustainable Development and Promoting Development Cooperation written by Department of Economic & Social Affairs and published by United Nations Publications. This book was released on 2008 with total page 295 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book presents an overview of the key debates that took place during the Economic and Social Council meetings at the 2007 High-level Segment, at which ECOSOC organized its first biennial Development Cooperation Forum. The discussions also revolved around the theme of the second Annual Ministerial Review, "Implementing the internationally agreed goals and commitments in regard to sustainable development."--P. 4 of cover.
Download or read book Resolving Nonperforming Loans in Sub Saharan Africa in the Aftermath of the COVID 19 Crisis written by Luc Eyraud and published by International Monetary Fund. This book was released on 2021-06-08 with total page 85 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sub-Saharan African countries are facing an unprecedented health and economic crisis that is likely to severely hurt credit quality and raise non-performing loans from already high levels. Banks have a critical role to play not only during the crisis by providing temporarily relief to businesses and households, but also during the recovery by supporting economic activity and facilitating the structural transformations engaged by the pandemic.
Download or read book Private Finance for Development written by Hilary Devine and published by International Monetary Fund. This book was released on 2021-05-14 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Covid-19 pandemic has aggravated the tension between large development needs in infrastructure and scarce public resources. To alleviate this tension and promote a strong and job-rich recovery from the crisis, Africa needs to mobilize more financing from and to the private sector.
Download or read book The Cash Dividend written by Marito Garcia and published by World Bank Publications. This book was released on 2012-02-21 with total page 441 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides in-depth descriptions and analysis of how cash transfer programs have evolved and been used in Sub-Saharan Africa since 2000. The analysis focuses on program features and implementation, but it also highlights political economy issues and current knowledge gaps.
Download or read book Microfinance Institutions written by R. Mersland and published by Springer. This book was released on 2015-12-11 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Financing Micro Small and Medium Enterprises written by and published by World Bank Publications. This book was released on 2008-01-01 with total page 135 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study evaluates the effectiveness of IFC's strategic priority of private sector development in frontier countries (high-risk and/or low-income) by supporting micro, small, and medium enterprises (MSMEs) during fiscal years (FY)1994-2006. IFC has channeled its support to MSME's by: i) indirect financing through financial intermediaries, and ii) by indirect institution-building support via specialized regional small and medium enterprise (SME) development facilities. This evaluation analyzes IFC's development results and provides recommendations on how IFC's performance can be improved in this area going forward.
