Relevant bibliographies by topics / Microfinance Institution

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Academic literature on the topic 'Microfinance Institution'

Author: Grafiati
Published: 4 June 2021
Last updated: 19 February 2022

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Journal articles on the topic "Microfinance Institution"

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Herry, Ervicaninda, Pramudia Yuli Eka Permana, Wisnu Bayu Aji, and Ridan Muhtadi. "Total Quality Management Development and Sharia Governance Efforts in Sharia Micro Financial Institutions to Improve Market Share." IJIEEB : International Journal of Integrated Education, Engineering and Business 2, no. 1 (March 30, 2019): 27–35. http://dx.doi.org/10.29138/ijieeb.v2i1.809.

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An important pillar in the development of Islamic microfinance institutions is Total Quality Management and Sharia Governance. This pillar is the main differentiator between conventional Islamic finance institutions. Institutional efforts to provide satisfaction to customers. The concept of quality (quality) for service and non-service basically includes various things that are focused on the customer. Shari'ah supervision is needed to ensure the implementation of Shari'ah principles in the financial institution, which is played by the Shari'ah Supervisory Board. Implicitly this shows that the practice of shari'ah microfinance institutions has not been concerned with shari'ah principles and the quality of good governance, one of the causes of reputation and public trust in Islamic microfinance institutions will also have an impact on community loyalty use the services of a Shari'ah microfinance institution. Improved reputation and customer trust can be used as an indicator of the success of the development of Islamic microfinance institutions and at the same time predicting their future success in order to increase market share.
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Agustin, Atut Frida. "PERAN LEMBAGA KEUANGAN MIKRO (LKM) TERHADAP KINERJA EKONOMI KABUPATEN JOMBANG." Jurnal Ekonomi Pembangunan 9, no. 2 (December 1, 2011): 225. http://dx.doi.org/10.22219/jep.v9i2.3676.

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The objective of this study were: 1) To know the potential of Microfinance Institution (LKM) in Jombang Regency, 2) To know the role of Microfinance Institution (LKM) towards economic performance in Jombang Regency, 3)To know the needs of Microfinance Institution (LKM) Development in increasing LKM roles on the Jombang Regency economy. The results showed: First, the overall number of Microfinance Institutions (MFIs) in as many as 425 Jombang spread in 21 regencies. The regency which had LKM at most in Jombang regency for 154, the second was Ngusikan Regency. Second,The results of Econometric analysis were able to concluded that the amount of LKM, LKM capital, and the volume of bussiness impacted to the variable of economic growth in Jombang Regncy. Third, easy and soft loan had a degree of interest by 87% whereas direct aid only had a degree of interest of 13%. Meanwhile, institutions which was more effective to provide capital loans on LKM development was institutional in rural areas, for example, through another microfinance.
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Amin, Muhammad. "IMPLEMENTASI UNDANG-UNDANG NOMOR 1 TAHUN 2013 TERHADAP LEMBAGA KEUANGAN MIKRO SYARIAH YANG BERBADAN HUKUM KOPERASI." JURISDICTIE 10, no. 1 (July 11, 2019): 78. http://dx.doi.org/10.18860/j.v10i1.6482.

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<p><em>The existence of 2013 No. 1 Law concerning microfinance institution has force sharia microfinance institution whether it is cooperatively incorporated institutions or limited liability companies to adjust their institutional form, operational system, business fields, capital and every aspect related to the rules included in that law as the consequences. However, </em><em>the consequences of compulsory sharia microfinance institutions to obtain business licenses at financial service authorities have not run optimally. </em><em>The fact says there are only 17 sharia microfinance institution that have registered their institution with financial service authority</em><em>. The writer</em><em> was</em><em> interested in digging deeper into the compliance Anggrek Cooperative</em><em> which is a sharia microfinance institution</em><em> in implementing Law Number 1 of 2013 concerning Microfinance Institutions and the resulting impact on compliance</em><em> to it</em><em>.</em></p><p><em>Kesimpulannya bahwa kepatuhan hukum membuat Koperasi LKMS Anggrek mendaftar pada OJK dengan perubahan anggaran dasar yang bertujuan merubah dan menambah poin terkait kelembagaan, kegiatan usaha, cakupannya, serta pembinaan dan pengawasan. Sedangkan BTM Surya tidak demikian, melainkan memilih PERMEN No 16 /PER/M.KUKM/IX/2015 untuk memayungi operasionalnya, sesuai dengan arahan dinas koperasi. Hal ini dikarenakan, adanya polemik terkait UU LKM dengan UU Perkoperasian beserta aturan turunan. Kepatuhan Koperasi LKMS Anggrek tidak lepas dari komitmen normatif melalui legitimasi Ketika diukur dalam tingkat kepatuhan, maka kepatuhan Koperasi LKMS Anggrek sampai pada tahap identification, dan upaya mewujudkan program“Service City” (hifz an-nafs) dan mengandung maksud perkembangan ekonomi, (hifz al-mal). Sedangkan kesadaran hukum BTM Surya terhadap UU LKM, tidak serta merta membuatnya patuh, Namun langkah pengurus dalam mengelola harta merupakan upaya (hifz al-mal). Dan hubungan baik dengan dinas koperasi selaku lembaga pengawas merupakan interprestasi dari upaya (hifz an-nafs)</em></p><strong><em>Key Words:</em></strong><em>Microfinance Institution, Implementation, Cooperatively Incorporated Sharia Microfinance Institution</em>
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Njagi, Joram Nyaga, and Charity Njoka. "Microfinance Reforms and Financial Inclusion in Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 3, no. 1 (August 28, 2021): 54–72. http://dx.doi.org/10.35942/ijcfa.v3i1.181.

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Statistics indicate that about 1.7 billion people can’t access a savings account and slightly above 200 million small and medium-sized enterprises are deprived access to satisfactory financial solution. Kenya views microfinances as a development instrument for poverty lessening and economic growth through ensuring financial inclusion. It is due to the acceptance of this vital role of Microfinance that Kenya has undertaken strategic microfinance reforms and regulations aimed at promoting financial inclusion through microfinance business. The research’s general objective is to examine the effect of microfinance reforms on financial inclusion. Specifically, to determine the influence of microfinance transformation from non-deposit taking into a deposit-taking microfinance institutions on financial inclusion, to examine the association between microfinance board characteristics and public trust, to investigate the effect of microfinance licensing requirements on financial inclusion and to examine the effect of microfinance prudential standards requirements on financial inclusion in Kenya. The research adopted Financial Intermediation Theory and Public Interest Theory of Regulation. This research utilized descriptive research design and the population targeted included all the thirteen Microfinance institutions, which were licensed by the central bank of Kenya as at 2018. The study used purposive sampling to select six microfinance banks. Both descriptive and inferential statistics were done by use of multiple linear regression analysis. The research results indicated that microfinance transformation (pvalue=0.001), board characteristics (pvalue=0.042), licensing requirements (pvalue=0.035) and prudential standards (pvalue=0.002) significantly influenced financial inclusion. Results from regression analysis indicated a strong relationship between microfinance transformation, board characteristics, licensing requirements and prudential standards and financial inclusion. The study concluded that financial inclusion in micro financial institutions increases when there is sound microfinance transformation, board characteristics, legal requirements, and prudential standards. From the findings, the study recommended that micro financial institutions should support institutions reform functions and processes. Further the study recommended that micro financial institutions should recruit adequate and proficient workers and offer satisfactory training as well as certification for professional appreciation on strategies for microfinance reform processes and their influence on the financial inclusion of the micro financial institution. The research recommends that board members should be reliable and open so as to substantially contribute to financial performance.
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Marakkath, Nadiya. "Innovative strategies devised by Indian microfinance institutions to achieve cost efficiency." International Journal of Finance & Banking Studies (2147-4486) 1, no. 1 (January 21, 2012): 15–20. http://dx.doi.org/10.20525/ijfbs.v1i1.132.

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This study is a discussion on the ‘Non-Governmental Organization-Microfinance Institution Partnership Model’ and ‘Securitization Model’ used by Indian microfinance institutions to achieve cost efficiency. These two models are effective strategies devised and used by efficient and sustainable Indian MFIs to reduce their operating cost and financing cost. Achieving such cost efficiency is crucial for microfinance institutions to attain operational self-sustainability without levying high interest rates. Using interview method the study elicits information on these innovative strategies and recommends them to be worthy of emulation for other microfinance institutions operating in the Indian microfinance industry.
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Hudon, Marek. "Une institution de microfinance éthique ?" Mondes en développement 152, no. 4 (2010): 83. http://dx.doi.org/10.3917/med.152.0083.

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Bennouna, Ghita, and Mohamed Tkiouat. "Stochastic model of microcredit interest rate in Morocco." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 268–73. http://dx.doi.org/10.22495/rgcv6i4c2art3.

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Access to microcredit can have a beneficial effect on the well-being of low-income households excluded from the traditional banking system. It allows this population to receive affordable financial services to help them to meet their needs and to improve their living conditions. However to provide access to credit, microfinance institutions should ensure not only their social mission but also commercial and financial mission to enable the institution to perpetuate and become self-sufficient. To this end, MFIs (microfinance institutions) must apply an interest rate that covers their costs and risk, while generating profits, Also microentrepreneurs need, to this end, to ensure the profitability of their activities. This paper presents the microfinance sector in Morocco. It focuses then on the interest rate applied by the Moroccan microfinance institutions; it provides also a comparative study between Morocco and other comparable countries in terms of interest rates charged to borrowers. Finally, this article presents a stochastic model of the interest rate in microcredit built in random loan repayment periods and on a real example of the program of loans of microfinance institution in Morocco.
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Mia, Md Aslam, and ImeneTabet. "Does Microfinance Institution Has Institutional Properties to Generate Savings?" East Asian Journal of Business Management 6, no. 3 (July 30, 2016): 11–14. http://dx.doi.org/10.13106/eajbm.2016.vol6.no3.11.

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Karugu, Kahihu Peter, Wachira D. Muturi, and Stephen M. A. Muathe. "Market Risks, Firms’ Size and Financial Performance: Reality or Illusion in Microfinance Institutions in Kenya." International Journal of Economics and Finance 12, no. 11 (October 28, 2020): 118. http://dx.doi.org/10.5539/ijef.v12n11p118.

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The purpose of the study was to investigate on Market risk, Firms&rsquo; size and financial performance, Reality or illusion in microfinance institution. The study employed positivism philosophy and used explanatory non&ndash;experimental research designs. The targeted population was all the thirteen registered Deposit Taking microfinance institutions in Kenya and census approach was used. The study used secondary data which was collected from MFIs annual audited financial reports for the period between 2014 and 2018 using data collection instruments. The study was anchored on two theories namely Dynamic Capabilities theory and Modern Portfolio Theory. Diagnostic tests were applied to test on multicollinearity, autocorrelation, heteroscedasticity, normality test, and stationarity. Panel data multiple regression analysis was used to analyze the collected data and the results presented using figures and tables. The results indicated that firm&rsquo;s size has a significant moderating effect on the relationship between market risk and financial performance of microfinance institutions. The study recommended that the CEOs of microfinance Institution should employ mechanism of identifying the optimal firm size that organization needs to operate in to achieve better financial performance.The purpose of the study was to investigate on Market risk, Firms&rsquo; size and financial performance, Reality or illusion in microfinance institution. The study employed positivism philosophy and used explanatory non&ndash;experimental research designs. The targeted population was all the thirteen registered Deposit Taking microfinance institutions in Kenya and census approach was used. The study used secondary data which was collected from MFIs annual audited financial reports for the period between 2014 and 2018 using data collection instruments. The study was anchored on two theories namely Dynamic Capabilities theory and Modern Portfolio Theory. Diagnostic tests were applied to test on multicollinearity, autocorrelation, heteroscedasticity, normality test, and stationarity. Panel data multiple regression analysis was used to analyze the collected data and the results presented using figures and tables. The results indicated that firm&rsquo;s size has a significant moderating effect on the relationship between market risk and financial performance of microfinance institutions. The study recommended that the CEOs of microfinance Institution should employ mechanism of identifying the optimal firm size that organization needs to operate in to achieve better financial performance.
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Ahlin, Christian, Jocelyn Lin, and Michael Maio. "Where does microfinance flourish? Microfinance institution performance in macroeconomic context." Journal of Development Economics 95, no. 2 (July 2011): 105–20. http://dx.doi.org/10.1016/j.jdeveco.2010.04.004.

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Dissertations / Theses on the topic "Microfinance Institution"

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Allotey, Daniel. "Commercializing a microfinance institution to maximize profit : (A study of the Sinapi Aba Microfinance Institution-Ghana)." Thesis, Mälardalen University, School of Sustainable Development of Society and Technology, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:mdh:diva-4264.

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ABSTRACT

Date: 2008-06-23

Level: Bachelor Thesis in Business Administration, Basic Level 300, 15 ECTS-Points

Author: Daniel Allotey

Tutor: Per Nordqvist

Title: Commercializing a microfinance institution to maximize profit

(A study of the Sinapi Aba Microfinance Institution-Ghana)

Background: Microfinance is one major approach to offering financial services to the majority, (mainly poor people) in developing countries. Traditionally, most of these institutions largely operate based on support by international donor agencies. Research into this field has shown that a microfinance institution has the ability to maximize profits by commercializing its services.

Problem: The research problem is to find out how the Sinapi Aba Microfinance Institution, (Ghana) can maximize profits as a result of commercialization of operations.

Purpose: The main purpose of this research is to illustrate to the Sinapi Aba Microfinance Institution how it could maximize profits through the commercialization of its operations.

Method: The research is a study that uses the qualitative approach. Relevant information for the theoretical background and the Sinapi Aba has been organized through primary and secondary data search. The primary data is based on a telephone interview with Mr.Opata Narh, managing director at Sinapi Aba Microfinance Institution in Oda, and a questionnaire sent through an attached e-mail to Mrs. Georgina Ocansey, the human resource manager to solicit her opinion on the same subject. Information’s were also gathered from the institutions home page. The secondary data was sourced from books and articles from the Mälardalen University library and internet sources within this field of study.

Conclusion: In an effort to illustrate to the Sinapi Aba Microfinance Institution how it could be self sufficient through profit maximization, the author was able to base his argument on the theories used in the frame of reference in connection with the findings obtained from the telephone interview, questionnaire and the institutions home page. This also helped the author establish the fact that the Sinapi Aba Microfinance Institution can maximize profit through the commercialization of its services. Profit maximization could therefore be achieved by developing its human resources, mobilizing savings, supervision and regulative mechanisms and finally marketing and competitive positioning.

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Acclassato, Houensou Denis. "Réglementation et performances des institutions de microfinance dans l'UEMOA : analyse des expériences au Bénin." Thesis, Orléans, 2009. http://www.theses.fr/2009ORLE0511.

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Au sein de l’Union Monétaire Ouest Africaine (UEMOA), une réglementation spécifique desactivités de microfinance existe mais bon nombre de ces institutions continuent d’exercer enmarge de la réglementation sans que les autorités de régulation ne soient en mesure d’y mettrefin. La réglementation a des avantages mais aussi des coûts pour les institutions demicrofinance (IMF) déclarées et l’anticipation des pertes ou des gains nets par ces institutionspeut accélérer ou ralentir leur mise en conformité avec la loi. Les travaux de cette thèse ontanalysé la réponse des institutions de microfinance à la mise en place de cette réglementation.De façon spécifique, elle a renseigné le lien entre réglementation et performance à partir desdonnées empiriques dans le but d’évaluer les incitations à la demande de réglementation. Ilest possible de substituer la régulation prudentielle à la discipline de marché dans la microintermédiationfinancière car l’effet bénéfique net pour les systèmes de financementdécentralisés est positif. Malgré leur vocation sociale, toutes les institutions de microfinancen’assurent pas pleinement leur double mission d’équilibre financier et de performance sociale.En effet, nombreuses sont celles qui ont une stratégie orientée vers la performance financière.Les résultats de nos travaux suggèrent également d’accroître l’effort de surveillance de lagouvernance des IMF jusqu’à un niveau minimum requis afin d’améliorer leur revenufinancier
In West African Economic and Monetary Union (WAEMU), microfinance institutions (MFIs)are regulated by specific laws but many of them operate outside the regulatory framework.Regulation has advantages but also costs for regulated institutions and the anticipation ofgains or costs may strengthen or limit their incentives for regulation. We analyze MFIsreactions to the implementation of that regulation. In other way, we investigate the linkbetween regulation and performance by using empirical data to estimate the incentives forregulation. We find, it is possible to substitute the prudential regulation for market disciplinein the microfinance intermediation because the net benefit is positive. In spite of their socialvocation, some MFIs prefer ensuring financial performance. Our findings also suggest thatincreasing governance's effort improves MFIs financial income
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Boudedja, Karima. "Microfinance et ONG : bilan et analyse diagnostic du fonctionnement du dispositif de microcrédit à l'ONG algérienne Touiza en vue de la création d'une institution de microfinance /." Montpellier : CIHEAM-IAM Montpellier, 2008. http://catalogue.bnf.fr/ark:/12148/cb41305152v.

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Thèse de Master of science--Agronomie--Montpellier--CIHEAM, 2007.
CIHEAM = Centre international des hautes études agronomiques méditerranéennes. IAM = Institut agronomique méditerranéen de Montpellier. Bibliogr., webliogr. p. 160-163. Résumé en français et en anglais.
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ABEI, YOLANDA AJI. "Impact of Internal Control on Fraud Detection and Prevention in Microfinance Institutions." Thesis, Karlstads universitet, Avdelningen för företagsekonomi, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-85431.

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Microfinance institutions (MFIs) are an important tool of poverty reduction which has gained grounds over the years and grown rapidly given the services they provide. The rapid growth of the MFIs has had huge challenges on their regulatory framework which in turn has resulted in the prevalence of fraudulent cases. With the devasting effects of fraud on MFIs and the importance of MFIs in many economies this thesis aims to examine how the design and use of internal control impact fraud detection and prevention in MFIs. To achieve this aim, a qualitative study was conducted with a case study on eight MFIs in Cameroon. Primary data will be obtained from fourteen semi-structured interviews. Data will be analysed manually using thematic analysis. The findings revealed that internal control has a positive impact on fraud detection and prevention in MFIs by reducing fraud incentive, opportunity, rationalization, and capability. Further, findings revealed that the greatest causes of fraud in MFIs are poor remuneration, weak monitoring, and a poor internal control system. Therefore, for the purpose of future fraud prevention, MFIs should ensure to improve their remuneration schemes, improve1 their monitoring system and ensure regular internal control system updates in term of software and design. The study also, suggests further research on this topic in MFIs with a case study in other countries of the world. It will also be interesting for other researchers to explore how the aspect of capability as a key determinant of fraud can be reduced. This thesis contributes to academic literature as there is lack of studies on the impact of internal control on fraud detection and prevention in MFIs.
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Peter, Simon. "L'institutionnalisation du marché de la microfinance : le cas du Gabon." Thesis, Pau, 2015. http://www.theses.fr/2015PAUU2009/document.

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Avec les orientations prises en 2002 par la Commission Bancaire de l’Afrique Centrale (COBAC) en vue de développer les activités microfinancières, le métier de la microfinance s’est transformé dans sa forme organisationnelle (en passant de l’informel au formel) mais aussi dans sa relation avec son environnement. L’observation du terrain met en lumière que cette perspective est largement déterminée par la coopération entre les très petites entreprises (TPE) et les établissements de microfinance (EMF) dont les pratiques managériales sont soumises à l’épreuve de la réglementation. A ce titre, la réglementation conditionne les pratiques des acteurs, et donc devrait contribuer au développement du marché et assurer la pérennité des EMF et TPE à travers leur coopération. Par rapport à ce qui précède, quels enseignements peut-on tirer de l’expérience gabonaise afin de générer une meilleure compréhension du problème de l’impact de la réglementation sur les acteurs du marché de la microfinance? Ce travail révèle qu’en environnement institutionnalisé, les EMF sont partagés entre deux attitudes : financière ou sociale. Il fait apparaître que plusieurs TPE, porteuses de projets, n’arrivent pas à bénéficier de l’offre du marché microfinancier. Ce paradoxe nous amène alors à interroger les différents comportements que la réglementation du marché de la microfinance traduit et induit. Nous avançons que ces comportements, de même que leur interaction, agissent sur la coordination des acteurs, c'est-à-dire sur la manière dont les EMF et les TPE sont gérés, ainsi que sur la coopération EMF/TPE. Ce travail participe ainsi à une meilleure compréhension du marché de la microfinance au Gabon
With the direction taken in 2002 by the Banking Commission of Central Africa (COBAC) to develop microfinance activities, the business of microfinance has turned in its organizational form (moving from informal to formal), but also its relationship to its environment. Our field observation shows that this perspective is largely determined by the cooperation between the very small enterprises (VSE) and microfinance institutions (MFIs) whose management practices are put to the test of regulations. As such, the regulation affects the behavior of actors and thus should contribute to market development and the sustainability of MFIs and VSE through their cooperation. Compared to the above, what lessons can be learned from the Gabonese experience to generate a better understanding of the problem of the impact of regulation on the market of microfinance? We show that in an institutionalized environment, EMF have two options: a financial attitude and a social attitude. We show that many small businesses, with projects, are unable to benefit from the offer of the microfinance market. This paradox then leads us to question the different behaviors that the regulation of the microfinance market translated and induced. We induce that these behaviors as well as their interaction affect the internal organization of tasks (coordination) of the actors, that is to say on how EMF and VSE are managed, as well as the cooperation between EMF and VSE. This work opens up new areas of understanding of the microfinance market in Gabon
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Kaluge, David, and n/a. "Microfinance and poverty in Indonesia: an analysis of the role of KUKESRA and MKEJ." University of Canberra. Economics and Marketing, 2001. http://erl.canberra.edu.au./public/adt-AUC20050509.093311.

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Following the success of the Grameen Bank in Bangladesh, Microfinance institutions (MFIs) which apply group-lending method through the medium of small credit have been regarded as a new and effective tools for poverty alleviation for the poor in many Less Developed Countries. This study analyses the role of two MFIs, namely KUKESRA, a government administered programme and Mitra Karya East Java (MKEJ) which is a privately managed institution in poverty alleviation in Indonesia. It examines to what extent these institutions have been successful in helping the poor, and improving the living standards of the recipients. Two alternative approaches, namely the institutionalist and the welfarist approaches, are used to examine the question of whether the poor benefited from the two programmes, followed by a comparison of the performances between the two. Using data obtained from a sample survey of 393 respondents in the District of Malang in East Java, from December 1998 - June 1999, it was found that the differences in management, organisational structure, programme design, and the system of coordination all resulted in differences in performance of the two MFI institutions studied. It was found that both programmes increased the incomes of the recipients, but the impact of KUKESRA was much lower than that of MKEJ. However, KUKESRA had a greater positive effect on employment than MKEJ. Neither of the programmes resulted in a significant improvement in the consumption of basic needs of the recipients. Of the two approaches used in the evaluation of the programmes, a good performance in terms of outreach and sustainability under the institutional approach did not imply that the poor really benefited from the programme. It was found that the welfarist approach is much more appropriate in evaluating the effectiveness of MFIs in Indonesia.
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Michell-Auli, Peter. "Finance for the poor: community banking as an approach to institution building : the example of the Nigerian community banks : a theoretical and empirical analysis /." Aachen : Shaker, 2000. http://catalogue.bnf.fr/ark:/12148/cb390681571.

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Ahmed, Juber. "Client Information Needs of MFIs : A Case Study of ASA Bangladesh." Thesis, Blekinge Tekniska Högskola, Sektionen för management, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:bth-1117.

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Abstract Title: Client Information Needs of MFIs: A Case Study of ASA Bangladesh Author: Juber Ahmed Academic Advisor: Dr. Klaus Solberg Søilen Department: School of Management, Blekinge Institute of Technology Course: Master Thesis in Business Administration Purpose: To enrich the knowledge base of client’s needs of financial services and assessing the tools MFIs used to collect clients’ information and how they utilized the information for developing new products and services or modifying existing products and services or their terms and conditions to meet the needs of financial services of their clientele. Also how MFIs organized and managed the information and how they categorized their clients using that information. Method: The investigation conducted from both a theoretical and an empirical point of view. The deductive approach used for the study and the case study method deployed. I studied ASA which is an MFI renowned in Bangladesh and beyond. At first, I had gone through a secondary research for collecting a number of successful methods and standard types of information used by successful MFIs from existing literature. In primary research, I interviewed 10 Managers (Assistant Directors) for ASA to determine which of the methods found in the literature were more effective for collecting clients’ information for them and also asked them to add their ideas to the list. At last I asked interviewees to rate the methods and results presented in this paper. Theory: This study was an exploratory one where I discussed the related aspects for the study - Microfinance, Client Assessment, Clients of Microfinance, Information needs and Management Information System. Findings: The study showed that ASA utilized client information for developing their credit products and services and based on number of loans taken by the clients they categorized their clients and modified or developed new products and services for each category of clients. Although ASA executed several tools for collecting client information but the managers think that their staffs’ collection of information from regular meeting with clients was more effective than others for modifying products’ terms and conditions and modifying or developing new products and services to their women and small enterprise clients. The conducted study also revealed that in ASA impact study was necessary to know clients’ overall level of satisfaction but management needed specific information on what aspects of ASA and its credit products and services clients preferred and did not prefer and the reasons of the preferences. Also they needed action plan to address clients’ specific concerns, so they needed the information on a continual basis and they were successful to achieve this continuous flow of information. For ASA, the best way to get this type of information would be through client satisfaction Focus Group Discussions (FGDs), although they utilized several tools but not often as discussed in part 3 in chapter 5. ASA owned an MIS (AMMS) for monitoring and managing clients’ information and they utilized this to categorize their clients based on the collected information about their number of loans. Conclusion: This study revealed that ASA served only women and small enterprise clientele that included the vulnerable non-poor and could contribute to the profitability of ASA. There was no attempt to diversify the products to include all poor that should be the goal of microfinance to alleviate poverty. Moreover client treated as individual client but the loans used to fulfill household or family needs of the clients. There were tools for collecting information on household about impact of credit programs participation but they took seldom effort for collecting information of the household money management or in other words how they utilized the loans for variety of household needs. There is lack of access to a variety of financial services for poor clients, even though MFIs are mostly serving vulnerable non-poor instead of taking consideration of all categories of poor. It revealed from the study that MFIs could gain long term success by serving specific market segment but it should not be only focus of MFIs, their initiative should be to include all poor in their clients profile with a priority to a specific market segment. This could help them to become sustainable and to minimize risks by spreading it in different market segments. The study found that ASA considered FGDs as an effective tool for collecting clients’ information as their staffs and managers were familiar with this tool, moreover it was cost effective for them. It observed that they seldom followed Tool Selection Process and it was the top management that decided over the tools, the decision might influence by internal and external interest groups and the competition. MFIs should organize client information in a way so that they could be able to manipulate the specific client information to serve client better and to take effective decision, although it is imperative to argue that they may like to serve the wealthier clients. This research paper is also presenting some important findings from existing literature of microfinance and a number of recommendations based on the study experience and scholars opinions from existing microfinance study that may help MFIs to prepare themselves to adopt client-oriented approach by utilizing client assessment tools to fulfill the needs of financial services of their clients that may hopefully include all poor irrespective of their categories.
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Mbaye, Khady. "Analyse de la transformation institutionnelle des organisations de microfinance en milieu rural au Sénégal." Thesis, Montpellier, SupAgro, 2010. http://www.theses.fr/2010NSAM0034.

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Cette thèse analyse à travers une étude de cas, le parcours d’un programme de micro-crédit rural mis en place par l’ONG Plan International, transformé en institution formelle et intégré aujourd’hui dans l’un des plus grands réseaux mutualistes du Sénégal : l’UM-PAMECAS (Union des Mutuelles du Partenariat pour la Mobilisation de l'Epargne et du Crédit au Sénégal). Notre objectif était de montrer comment les organisations de microfinance concilient les logiques sociale et financière, à priori en opposition, dans leur mode d’action après une transformation institutionnelle. Compte tenu de la diversité des règles et des modes d’actions observés au sein des organisations étudiées, nous avons mobilisé l’économie des conventions pour construire notre cadre d’analyse. La thèse s’appuie sur une analyse qualitative diachronique des logiques en présence, de façon à comprendre ce qui les soustend, les mécanismes et enjeux de pouvoir qui les font évoluer et se stabiliser. Sur une période s’étalant de 2006 à 2008 nous avons mené des enquêtes auprès de 169 personnes aux statuts divers (salariés, élus, bénéficiaire des crédits, etc.). Ce travail a apporté un éclairage sur le processus de transformation institutionnelle des organisations de microfinance rural et ses enjeux. Nous avons montré que grâce à une méthodologie combinant plusieurs principes relevant de cités différentes mais essentiellement rattachés à une « logique sociale », les organisations de microfinance de premières générations ont permis à des personnes vivant en milieu rural, dont le profil socio-économique n’intéressait pas les banques commerciales, d’accéder aux services financiers. La transformation institutionnelle induite par des facteurs exogènes et endogènes a apporté des bouleversements auxquelles les organisations devaient faire face pour assurer leur pérennité. Notre recherche a montré que pour réussir cette transition et éviter des conflits, des concertations doivent être menées tout au long du processus avec l’ensemble des acteurs afin que tous s’entendent sur le but de la transformation, la façon dont le processus doit être mené et les réformes à mettre en place. En outre, les nouvelles procédures mises en place doivent être en adéquation avec les spécificités locales. Par ailleurs, cette thèse a montré la forte prédominance des tontines. Ces dernières ont fortement évolué et se sont enrichies grâce à l’hybridation de règles marchandes, domestiques et civiques qui en font aujourd’hui, des dispositifs locaux concurrençant fortement la collecte de l’épargne au niveau des structures formelles
This thesis analyses, trough a case study, the operation of a rural micro-credit program implemented by Plan international NGO. It has then been changed into a formal institution and integrated into one of the largest network of mutual organizations in Senegal: UMPAMECAS. Our objective was to show how micro-finance organizations reconcile social and financial logics that are primarily contradictory, in their action after institutional changes. Considering the diversity of rules and operation modes observed in the institutions under scrutiny, we have mobilized the convention economy to build the framework of our analysis. The thesis is based on a diachronic quantitative analysis of those logics to understand what underlies them, power mechanism and stakes that make them evolve and stabilize. For a period from 2006 through 2008, we surveyed 169 people from different (wages-earners, elected, credits beneficiaries, etc.). This work has cast light on the transformation process of rural microfinance and its stakes. We have shown that, thanks to a methodology combining several principles from different cities, but essentially related to a “social logic”, the first generation of microfinance institutions have enabled several people living in rural areas, whose economic profile did not appeal to commercial banks, to get access to financial services. The institutional transformations induced by endogenous and exogenous facts have brought changes which should be dealt with by the institutions to ensure their sustainability. Our research has shown that to survive the transition and avoid conflicts, consultations should be conducted all through the process with all the stakeholders for all to agree on the objective of the transition, the way the process should be conducted and the reforms that need to be implemented. Besides, the newly implemented procedures should match local specificities. Furthermore, this thesis has shown the supremacy of the “tontine” systems (rotating saving and credit associations). Those systems have deeply evolved and enriched due to the hybridization of commercial, domestic and civic rules that make them today local organizations that strongly challenge formal structures in the collecting of savings
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Paris, Bethany L. "INSTITUTIONAL LENDING MODELS, MISSION DRIFT, AND MICROFINANCE INSTITUTIONS." UKnowledge, 2013. http://uknowledge.uky.edu/msppa_etds/9.

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Microfinance is a development tool used to reduce poverty among extremely poor households. Impoverished households can access lines of credit through microfinance institutions (MFIs), in order to create a new business, smooth household consumption, fund medical emergencies, etc. Many authors postulate that MFIs are drifting from a welfarist to an institutionalist approach to lending. Using MIXMarket data on specific MFIs in 118 countries between 1995 and 2011, the average loan balance of these organizations will be regressed against measure of outreach and sustainability of these institutions by charter type through a series of four, fixed effects models. The main research question is: given that a positive, overall shift in average loan balance indicates an institutionalist shift in mission, how does this impact microfinance institutions and the demographics they target on the intensive and extensive margins? These analyses will test the theory that MFIs with larger average loan balances serve households closer to the subsistence poverty level, a manifestation of mission drift toward the institutionalist philosophy of lending. The phenomenon of mission drift directly impacts the outcomes of microfinance institutions and the target demographic of the organization. The results of this study indicate that the mission of these organizations is drifting toward the institutionalist philosophy of lending. With this general result, mission drift can be observed within both the internal and external margins of the microfinance industry, which influences the chosen target market, profit generated, and structure of MFIs, as determined by the mission of the organization.
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Books on the topic "Microfinance Institution"

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Kreuz, Claudia. Institution building, eine Chance zur Entwicklungsfinanzierung?: Eine Analyse bestehender Microfinance-Projekte. Düsseldorf: Heinrich-Heine-Universität, Lehrstuhl für Betriebswirtschaftslehre, 2000.

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Fernandez, Aloysius P. Sanghamithra: A micro finance institution with a difference. Mysore, Karnataka: Sanghamithra, 2004.

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Wright, Graham A. N. ASA's culture, competition, and choice: Introducing savings services into a microcredit institution. Nairobi, Kenya: MicroSave-Africa, 2001.

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Boudedja, Karima. Microfinance et ONG: Bilan et analyse diagnostic du fonctionnement du dispositif de microcrédit à l'ONG algérienne Touiza en vue de la création d'une institution de microfinance. Montpellier: CIHEAM-IAMM, 2008.

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Boudedja, Karima. Microfinance et ONG: Bilan et analyse diagnostic du fonctionnement du dispositif de microcrédit à l'ONG algérienne Touiza en vue de la création d'une institution de microfinance. Montpellier: CIHEAM-IAMM, 2008.

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Mersland, Roy, and R. Øystein Strøm, eds. Microfinance Institutions. London: Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663.

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Robinson, Marguerite S. The microfinance revolution. Washington, D.C: World Bank, 2003.

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The microfinance revolution. Washington, D.C: World Bank, 2001.

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Modoran, Cristina. Microfinance institutions in Sri Lanka. Colombo: [Deutsche Gesellschaft für Technische Zusammenarbeit], 2009.

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Modoran, Cristina. Microfinance institutions in Sri Lanka. Colombo: [Deutsche Gesellschaft für Technische Zusammenarbeit], 2009.

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Book chapters on the topic "Microfinance Institution"

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Harper, Malcolm. "Financial analysis of a microfinance institution." In Practical Microfinance, 55–60. Rugby, Warwickshire, United Kingdom: Practical Action Publishing, 2003. http://dx.doi.org/10.3362/9781780440903.006.

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Sakti, Ali. "Proposing New Islamic Microfinance Model for Sustainable Islamic Microfinance Institution." In Islamic Finance and Sustainable Development, 349–78. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-76016-8_15.

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Biallas, Margarete, and Mark Schwiete. "Investing in Microfinance Investment Funds — Risk Perspectives of a Development Finance Institution." In Microfinance Investment Funds, 95–114. Berlin, Heidelberg: Springer Berlin Heidelberg, 2006. http://dx.doi.org/10.1007/3-540-28071-5_7.

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Biallas, Margarete, and Mark Schwiete. "Investing in Microfinance Investment Funds — Risk Perspectives of a Development Finance Institution." In Microfinance Investment Funds, 95–114. Berlin, Heidelberg: Springer Berlin Heidelberg, 2007. http://dx.doi.org/10.1007/978-3-540-72424-7_7.

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Ascarya. "Baitul Maal wat Tamwil as Integrated Islamic Microfinance Institution to Support SDGs." In Islamic Wealth and the SDGs, 175–95. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-65313-2_9.

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Balkenhol, Bernd. "Microfinance institutions." In Microfinance, 41–61. 1st Edition. | New York: Routledge, 2018. | Series: Routledge focus on economics and finance: Routledge, 2018. http://dx.doi.org/10.4324/9781315187976-6.

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Mersland, Roy, and R. Øystein Strøm. "Microfinance Financial and Social Performance: An Introduction." In Microfinance Institutions, 1–11. London: Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663_1.

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Postelnicu, Luminita, Niels Hermes, and Ariane Szafarz. "Defining Social Collateral in Microfinance Group Lending." In Microfinance Institutions, 187–207. London: Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663_10.

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Kar, Ashim Kumar, and Ranjula Bali Swain. "Competition in Microfinance: Does It Affect Performance, Portfolio Quality, and Capitalization?" In Microfinance Institutions, 208–26. London: Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663_11.

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Gessesse, Hailemichael Tesfay, and Guesh Gebremeskel Ambaye. "The Efficiency of Microfinance Institutions in Ethiopia: A DEA Approach." In Microfinance Institutions, 227–43. London: Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137399663_12.

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Conference papers on the topic "Microfinance Institution"

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Nur Milla, Amalia. "Social Capital Analysis on Agribusiness Microfinance Institution Performance." In 2016 Global Conference on Business, Management and Entrepreneurship. Paris, France: Atlantis Press, 2016. http://dx.doi.org/10.2991/gcbme-16.2016.117.

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Pramono, Rudy, Sabrina O. Sihombing, and Diena M. Lemy. "Client Satisfaction Levels at Microfinance Institution: An Empirical Research." In Proceedings of the 2018 International Conference on Islamic Economics and Business (ICONIES 2018). Paris, France: Atlantis Press, 2019. http://dx.doi.org/10.2991/iconies-18.2019.12.

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Astawa, I. Putu, Ni Gusti Nyoman Suci Murni, I. Gusti Ngurah Sanjaya, I. Made Sudana, and I. Ketut Suwintana. "Harmonious Culture-Based Computer Application Model to Assess Microfinance Institution Performance." In Proceedings of the 1st International Conference on Social Sciences (ICSS 2018). Paris, France: Atlantis Press, 2018. http://dx.doi.org/10.2991/icss-18.2018.99.

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Widiastuti, Tika, Aam S. Rusydiana, and Irman Firmansyah. "Development Strategy For Islamic Microfinance Institution In Indonesia: Ifas-Efas Matrix Approach." In 1st International Conference on Islamic Ecnomics, Business and Philanthropy. SCITEPRESS - Science and Technology Publications, 2017. http://dx.doi.org/10.5220/0007088407070711.

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Siddiq, Dedi Muhammad, and Achmad Faqih. "The Empowerment Strategy of Gapoktan Toward an Agribusiness Microfinance Institution in Rural Areas." In International Conference on Agriculture, Social Sciences, Education, Technology and Health (ICASSETH 2019). Paris, France: Atlantis Press, 2020. http://dx.doi.org/10.2991/assehr.k.200402.043.

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Dawan, Taslim, Sjafril Darana, and M. Kramadibrata. "Indigenous Knowledge, World View and Institution for Sustainable Community at Mappi Regency of West Papua." In International Conference, Integrated Microfinance Management for Sustainable Community Development(IMM 2016). Paris, France: Atlantis Press, 2016. http://dx.doi.org/10.2991/imm-16.2016.11.

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Ya’u Usman, Abdullahi. "Transmittal Group Lending Model as an Innovative Alternative for Managing Risk and Reducing Cost in Micro-Lending." In 2nd International Conference on Business, Management and Finance. Acavent, 2019. http://dx.doi.org/10.33422/2nd.icbmf.2019.11.765.

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The relevance of micro-lending in battling poverty and encouraging sustainability of the poor is more vividly seen after the emergence of Bangladesh-based Grameen Bank as a successful microfinance institution in 2006. Creating a sustainable microfinance institution largely depends on the two important factors; cost and risk. This paper examines the common risks and costs associated with micro lending, vis-à-vis the trade-off that results into higher costs the more risks are well managed, and higher risks the more costs are highly reduced. As the popular ‘group lending’ model is patronised by the majority MFIs around the world, this paper has gone beyond to suggest the adoption of a new concept in group lending management; the Transmittal Lending model. This new model is theoretically described to optimise the two conflicting variables of risk and costs, so as to enhance an MFI’s profitability and sustainability, simultaneously. The general methodology applied is a review on relevant literature so as to find previously established research opinions that will support the new group lending model. Nevertheless, this new model needs to be quantitatively tested by researchers in the field to deeply understand the dynamics of its applicability in the industry.
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Tellis, Winston, and Aaron Seymour. "Transition From A Microfinance Institution to Regulated Bank: Technology Infrastructure Planning in a Developing Country." In 2002 Informing Science + IT Education Conference. Informing Science Institute, 2002. http://dx.doi.org/10.28945/2582.

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In this paper, the authors describe the process of converting from a microfinance organization to a regulated bank in Haiti. The literature was helpful as far as some of the procedures were concerned, and the organization was able to use the recommendations. However the researchers found some major omissions in those recommendations as far as infrastructure was concerned. In some developing countries, it is impossible to install PCs because there is no electricity. Similarly network connections and access to the Internet without telephone service would be impossible. A comparison is made between the recommendations and the realities of the environment in Haiti. Future implementations could benefit from the findings of the authors.
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Masrifah, Atika Rukminastiti, and Hendri Tanjung. "Efficiency of Pesantren’s Baitul Maal Wa Tamwil (BMT): An Effort towards Islamic Microfinance Institution." In ASEAN Universities Conference on Islamic Finance. SCITEPRESS - Science and Technology Publications, 2019. http://dx.doi.org/10.5220/0010114800590066.

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Venus, Antar, and Adiatma Siregar. "Pendamping Desa (Village Mentor) as A Community Manager: A Case Study of the Role of Pendamping Desa in Empowering Community and Local Institution Through Communication Approach in the Province of Riau-Indonesia." In International Conference, Integrated Microfinance Management for Sustainable Community Development(IMM 2016). Paris, France: Atlantis Press, 2016. http://dx.doi.org/10.2991/imm-16.2016.25.

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Reports on the topic "Microfinance Institution"

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Coli, Pedro, Caroline Pflueger, Tyler Campbell, and L. Javier Garcia. Blockchain Uses for Microfinance Institutions in the Water and Sanitation Sector: Pilot Study. Edited by Mauro Nalesso and Keisuke Sasaki. Inter-American Development Bank, May 2021. http://dx.doi.org/10.18235/0003273.

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Microfinance Institutions (MFIs) are organizations that provide small loans to borrowers who typically lack collateral, steady employment, or a verifiable credit history and therefore do not have access to traditional commercial banking. Blockchain technology could be used to create a more holistic view of the financial position of a potential borrower, which could result in better lending decisions. This study explores how blockchain technology has the potential to assist Microfinance Institutions in the water and sanitation sector through a pilot project developed in Peru. The improvements seen in the existing microfinance ecosystem during the implementation of the blockchain platform can be sorted into two main groups: improved institutional performance, and data ownership for the individuals.
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Frisancho, Verónica, and Martín Valdivia. Savings Groups Reduce Vulnerability, but Have Mixed Effects on Financial Inclusion. Inter-American Development Bank, December 2020. http://dx.doi.org/10.18235/0002910.

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This paper evaluates the impact of the introduction of savings groups on poverty, vulnerability, and financial inclusion outcomes in rural Peru. Using a cluster randomized control trial and relying on both survey and administrative records, we investigate the impact of savings groups after more than two years of exposure. We find t hat savings groups channel expensive investments such as housing improvements and reduce households' vulnerability to idiosyncratic shocks, particularly among households in poorer districts. The treatment also induces changes in households labor allocation choices: access to savings groups increases female labor market participation and, in poorer areas, it fosters greater specialization in agricultural activities. Access to savings groups also leads to a four-percentage point increase in access to credit among women, mainly driven by access to the groups loans. However, the introduction of savings groups has no impact on the likelihood of using formal financial services.On the contrary, it discourages access to loans from formal financial institutions and microfinance lenders among the unbanked.
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