Download or read book Influence of Credit Risk on the Growth of Microfinance Organizations in Eldoret Municipality Kenya written by Irene Cheptumo and published by GRIN Verlag. This book was released on 2018-05-30 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2018 in the subject Economics - Finance, Moi University (Moi University, Kenya; Department of Accounting and Finance), language: English, abstract: The Microfinance Institutions (MFIs) lend small amounts of unsecured loans to poor clients which signify their objectives of improving the social status of the poor while also trying to maximize their returns. Yet, lending by MFIs is a risky venture especially in developing countries because of the susceptibility of their poor clients. This study therefore determined the extent at which strategic credit risk management affect growth of MFIs in the Eldoret Municipality, Kenya. This study used probability clustered random sampling of 12 MFIs in Eldoret municipality to collect primary data and various reports and published work on MFIs between 2010 to 2015 formed the basis of secondary data. The effect of loan default, risk coverage and credit policy on growth of MFIs was measured by profit and outreach respectively. The relationship between of loan default, risk coverage and credit policy and growth was measured using multiple linear regression models. Hausmann test of endogeneity was employed to validate the results. We demonstrate that profit was significantly (p

Download or read book Effect of Credit Reference Bureau Services on Non Performing Loan Portfolios in Kenya written by Hilary Omare and published by GRIN Verlag. This book was released on 2019-10-17 with total page 85 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2016 in the subject Business economics - Investment and Finance, , course: Masters of Business Adminstration, language: English, abstract: The research project sought to examine the effect of listing with Credit Reference Bureau service on non-performing loans of deposit taking microfinance institutions in Kenya. The specific objectives were to assess how loan recoveries as a result of listing with credit reference bureau affects non-performing loans by deposit taking microfinance institutions in Kenya and to assess how write offs as a result of listing with credit reference bureau affect non-performing loans by deposit taking microfinance in Kenya. Furthermore to examine how loan quality as a result of listing with credit reference bureau affect non-performing loan in deposit taking microfinance in Kenya and what effect does listing with credit reference bureau has on non-performing loans levels in Deposit Taking Microfinance in Kenya. This research study adopted a descriptive survey approach on effect of listing with Credit Reference Bureau Service on non-performing loans of deposit taking microfinance institutions in Kenya. Further, this study targeted all registered deposit taking microfinance institutions by the Central Bank of Kenya (CBK). Target population was 12 registered Deposit taking microfinance institutions that have listed with Credit Reference Bureaus in Kenya. This study used primary data that was collected by use of a questionnaire. The data was analyzed by use of Descriptive and inferential statistics to measure interrelationships between the variables. Tables were used to display the information to improve presentation of the analyzed results for ease of interpretation. Regression analysis was used to test the relationship between dependent and independent variable. In light of the research findings, the regression model could only explain 52% in variance of non-performing loans. The study results revealed that there was a statistically significant relationship between loan recoveries and non-performance of loans (p=0.000); there was a statistically significant relationship between write offs and non-performance of loans (p=0.000) and that there was a statistically significant relationship between quality loan portfolio and non-performance of loans (p=0.000). Hence, credit information sharing and level of nonperforming loans are indeed related meaning there is a direct relationship between the number of credit checks done by the CRBs and the level of NPLs.

Download or read book Effect of Credit Analysis on Financial Performance of Microfinance Institutions in Eldoret Town Kenya written by Kelvin Chenya and published by . This book was released on 2020 with total page 13 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Transforming Microfinance Institutions written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 2006-08-30 with total page 570 pages. Available in PDF, EPUB and Kindle. Book excerpt: In response to a clear need by low-income people to gain access to the full range of financial services including savings, a growing number of microfinance NGOs are seeking guidelines to transform from credit-focused microfinance organizations to regulated deposit-taking financial intermediaries. In response to this trend, this book presents a practical 'how-to' manual for MFIs to develop the capacity to become licensed and regulated to mobilize deposits from the public. 'Transforming Microfinance Institutions' provides guidelines for regulators to license and regulate microfinance providers, and for transforming MFIs to meet the demands of two major new stakeholders regulators and shareholders. As such, it focuses on developing the capacity of NGO MFIs to mobilize and intermediate voluntary savings. Drawing from worldwide experience, it outlines how to manage the transformation process and address major strategic and operational issues inherent in transformation including competitive positioning, business planning, accessing capital and shareholders, and how to 'transform' the MFI's human resources, financial management, MIS, internal controls, and branch operations. Case studies then provide examples of developing a new regulatory tier for microfinance, and how a Ugandan NGO transformed to become a licensed financial intermediary. This book will be invaluable to regulators and microfinance NGOs contemplating institutional transformation and will be of tremendous use to donors and technical support agencies supporting MFIs in their transformation.

Download or read book Finance Against Poverty Volume 1 written by Hulme David and published by Routledge. This book was released on 2005-08-12 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: In two volumes these books review and expand the theory that poverty in the world's poorest regions could be alleviated by providing small loans to micro-entrepreneurs. Volume 1 provides detailed analysis of this theory and offers policy recommendations for practitioners in this field. Volume 2 presents empirical evidence drawn from comparative experiences in seven developing countries. The work assesses the success of this policy and provides some startling conclusions. This is essential reading for all those interested in development, poverty-reduction, social welfare and finance.

Download or read book Credit Risk Management written by Hong Kong Institute of Bankers (HKIB) and published by John Wiley & Sons. This book was released on 2012-09-04 with total page 470 pages. Available in PDF, EPUB and Kindle. Book excerpt: The importance of managing credit and credit risks carefully and appropriately cannot be overestimated. The very success or failure of a bank and the banking industry in general may well depend on how credit risk is handled. Banking professionals must be fully versed in the risks associated with credit operations and how to manage those risks. This up-to-date volume is an invaluable reference and study tool that delves deep into issues associated with credit risk management. Credit Risk Management from the Hong Kong Institute of Bankers (HKIB)discusses the various ways through which banks manage risks. Essential for candidates studying for the HKIB Associateship Examination, it can also help those who want to acquire a deeper understanding of how and why banks make decisions and set up processes that lower their risk. Topics covered in this book include: Active credit portfolio management Risk management, pricing, and capital adequacy Capital requirements for banks Approaches to credit risk management Structural models and probability of default Techniques to determine loss given default Derivatives and structured products

Download or read book Housing Market Dynamics in Africa written by El-hadj M. Bah and published by Springer. This book was released on 2018-03-12 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access book utilizes new data to thoroughly analyze the main factors currently shaping the African housing market. Some of these factors include the supply and demand for housing finance, land tenure security issues, construction cost conundrum, infrastructure provision, and low-cost housing alternatives. Through detailed analysis, the authors investigate the political economy surrounding the continent’s housing market and the constraints that behind-the-scenes policy makers need to address in their attempts to provide affordable housing for the majority in need. With Africa’s urban population growing rapidly, this study highlights how broad demographic shifts and rapid urbanization are placing enormous pressure on the limited infrastructure in many cities and stretching the economic and social fabric of municipalities to their breaking point. But beyond providing a snapshot of the present conditions of the African housing market, the book offers recommendations and actionable measures for policy makers and other stakeholders on how best to provide affordable housing and alleviate Africa’s housing deficit. This work will be of particular interest to practitioners, non-governmental organizations, private sector actors, students and researchers of economic policy, international development, and urban development.

Download or read book Enabling the Business of Agriculture 2019 written by World Bank Group and published by World Bank Publications. This book was released on 2019-11-18 with total page 512 pages. Available in PDF, EPUB and Kindle. Book excerpt: Enabling the Business of Agriculture 2019 presents indicators that measure the laws, regulations and bureaucratic processes that affect farmers in 101 countries. The study covers eight thematic areas: supplying seed, registering fertilizer, securing water, registering machinery, sustaining livestock, protecting plant health, trading food and accessing finance. The report highlights global best performers and countries that made the most significant regulatory improvements in support of farmers.

Download or read book John Knox and the British Reformations written by Roger A. Mason and published by Routledge. This book was released on 2018-12-20 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: Published in 1998. John Knox is one of the towering figures of the European reformation, his name synonymous with hard-line evangelical Protestantism, and his influence spreading far beyond his native Scotland. Yet no scholarly biography of Knox has appeared for over 20 years, and no attempt has been made to re-evaluate his contribution to the reformation in the light of the massive advances in scholarship made in recent years. This volume, therefore, seeks to reassess Knox's career in the context of the European Reformation as a whole, but with particular reference to his impact in Scotland and England. The 13 contributors, all acknowledged authorities in the field, together provide a significant reappraisal of Knox and his role in the British Reformations.

Download or read book Credit Risk Management in Ghanaian Commercial Banks written by Michael Nyarko-Baasi and published by GRIN Verlag. This book was released on 2013-03-27 with total page 99 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2012 in the subject Business economics - Investment and Finance, grade: B, Methodist University College Ghana, language: English, abstract: This study focused on the challenges of Credit Risk Management in Ghanaian Commercial Banks with the searchlight on the operations of Barclays Bank Ghana (BBG), Ghana Commercial Bank (GCB), Zenith Bank Ghana and Merchant Bank Ghana (MBG), all operating in the Accra Business District. The study essentially had the objective of examining the loan application appraisal processes of these banks as well as ascertaining the adequacy of their loan monitoring mechanism. In conducting the study, the researcher adopted the questionnaire technique as the research instrument to solicit information from both customers and officials of the banks. Purposive sampling technique was employed in selecting officials from the banks whose duties centered on Credit Risk Management. Random sampling technique also helped the researcher in selecting the sample size for the customers of the banks. Findings made uncovered the fact that poor sales and exchange rate losses, product substitutes due to trade liberalization and inability to enter into the foreign market and account for a chuck of the loan default cases experienced by the banks. It is recommended, among others, that the Government’s information on Venture Capital Trust fund should be made more accessible to the SMEs sectors through official sponsored workshops whilst the capacity and logistics of the Eximguaranty Limited are strengthened to alleviate the credit requirement ‘headaches’ of SMEs. Conclusions drawn centered on the fact that some banks minimize risk factors in credit management by entering into some covenants with borrowers’ under which certain figures and ratios are periodically sent to the banks electronically. Most banks also dispatch their officials to monitor and evaluate the loan disbursement schedules agreed with the customer to minimize bad debt associated with SMEs.

Download or read book Child Welfare in Developing Countries written by John Cockburn and published by Springer Science & Business Media. This book was released on 2010-08-09 with total page 298 pages. Available in PDF, EPUB and Kindle. Book excerpt: to establish impact, attributing observed changes in welfare to the intervention, while identifying key factors of success. Impact evaluations are aimed at providing feedback to help improve the design of programs and policies. They also provide greater accountability and a tool for dynamic learning, allowing policymakers to improve ongoing programs and ultimately better allocate funds across programs. Such a causal analysis is essential for understanding the relative role of alternative interventions in reducing poverty. The papers in this section again adopt a variety of techniques. The rst two impact evaluation studies employ propensity score matching to establish, ex-post, a valid control group to assess the impact on child schooling outcomes among b- e ciaries of various interventions in Kenya and Ethiopia. The third chapter c- ries out an ex-ante evaluation of alternative cash transfer programs on child school attendance in Uruguay. The nal paper further carries out in-depth macro-modeling and micro-regression analysis to simulate the impacts of the food crisis and various policy responses, including food subsidies and cash transfers, on various dimensions of child poverty in Mali. Though using different approaches, the studies are gen- ally in agreement concerning the positive impact of the cash transfer program on child schooling and labor market outcomes. The studies from Kenya and Uruguay both nd that the schooling interventions are progressive.

Download or read book Access for All written by Brigit Helms and published by World Bank Publications. This book was released on 2006-01-01 with total page 186 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Beginning with key questions about clients of microfinance - Who are they? What financial services do they want? What is the impact of financial services on their lives? - the book examines all levels of the financial system. It shows what works, what does not work, and where more learning is needed. By focusing on promising models and practices, it offers a vision of how to achieve financial systems that will ultimately offer access for all."--BOOK JACKET.

Download or read book Integrated Soil Fertility Management in Africa written by Nteranya Sanginga and published by CIAT. This book was released on 2009 with total page 270 pages. Available in PDF, EPUB and Kindle. Book excerpt: Forward. A call for integrated soil fertility management in Africa. Introduction. ISFM and the African farmer. Part I. The principles of ISFM: ISFM as a strategic goal, Fertilizer management within ISFM, Agro-minerals in ISFM, Organic resource management, ISFM, soil biota and soil health. Part II. ISFM practices: ISFM products and fields practices, ISFM practice in drylands, ISFM practice in savannas and woodlands, ISFM practice in the humid forest zone, Conservation Agriculture. Part III. The process of implementing ISFM: soil fertility diagnosis, soil fertility management advice, Dissemination of ISFM technologies, Designing an ISFM adoption project, ISFM at farm and landscape scales. Part IV. The social dimensions of ISFM: The role of ISFM in gender empowerment, ISFM and household nutrition, Capacity building in ISFM, ISFM in the policy arena, Marketing support for ISFM, Advancing ISFM in Africa. Appendices: Mineral nutrient contents of some common organic resources.

Download or read book Microfinance in Developing Countries written by J. Gueyie and published by Springer. This book was released on 2013-01-17 with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance in developing countries is a collection of studies by leading researchers in the field of microfinance. It discusses key issues that the rapidly growing microfinance industry currently faces, and offers interesting views and analysis of topical matters concerning the microfinance realm.

Download or read book Africa s Informal Workers written by Ilda Lindell and published by Zed Books Ltd.. This book was released on 2013-04-04 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: Africa's Informal Workers is a vigorous examination of the informalization and casualization of work, which is changing livelihoods in Africa and beyond. Gathering cases from nine countries and cities across sub-Saharan Africa, and from a range of sectors, this volume goes beyond the usual focus on household ‘coping strategies’ and individual agency, addressing the growing number of collective organizations through which informal workers make themselves visible and articulate their demands and interests. The emerging picture is that of a highly diverse landscape of organized actors, providing grounds for tension but also opportunities for alliance. The collection examines attempts at organizing across the formal-informal work spheres, and explores the novel trend of transnational organizing by informal workers. Part of the ground-breaking Africa Now series, Africa’s Informal Workers is a timely exploration of deep, ongoing economic, political and social transformations.

Download or read book Credit Constraints and Investment in Latin America written by Arturo J. Galindo and published by IDB. This book was released on 2003 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Microfinance in Africa written by S. Rajagopalan and published by . This book was released on 2009 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: Africa is home to some of the poorest and vulnerable populations in the world. The ten poorest countries in the world are in Africa. Sub-Saharan Africa is the region with the highest incidence and greatest depth of poverty in the world. Fewer than one in five adults in Africa has access to the services of a formal or semi-formal financial institution. Microfinance in Africa is growing, though. A broad range of diverse institutions offer financial services to the poor and low-income clients in Africa. These include non-governmental organizations, non-banking financial institutions, cooperatives, credit unions, rural banks, Rotating Savings and Credit Associations (ROSCAs), postal financial institutions and an increasing number of commercial banks. Increasingly, technology is being used to expand microfinance outreach mobile phone banking is one such example. This book provides an overview of the microfinance sector in Africa, reviews the performance and impact of microfinance institutions in the region, and outlines some of the opportunities and challenges that African microfinance has on hand.