Статті в журналах з теми "Microfinance programme design"
Щоб переглянути інші типи публікацій з цієї теми, перейдіть за посиланням: Microfinance programme design.
Оформте джерело за APA, MLA, Chicago, Harvard та іншими стилями
Ознайомтеся з топ-26 статей у журналах для дослідження на тему "Microfinance programme design".
Біля кожної праці в переліку літератури доступна кнопка «Додати до бібліографії». Скористайтеся нею – і ми автоматично оформимо бібліографічне посилання на обрану працю в потрібному вам стилі цитування: APA, MLA, «Гарвард», «Чикаго», «Ванкувер» тощо.
Також ви можете завантажити повний текст наукової публікації у форматі «.pdf» та прочитати онлайн анотацію до роботи, якщо відповідні параметри наявні в метаданих.
Переглядайте статті в журналах для різних дисциплін та оформлюйте правильно вашу бібліографію.
1
Jumpah, Emmanuel Tetteh, Yaw Osei-Asare, and Emmanuel Kodjo Tetteh. "Do farmer and credit specific characteristics matter in microfinance programmes’ participation? Evidence from smallholder farmers in Ada west and east districts." Agricultural Finance Review 79, no. 3 (June 3, 2019): 353–70. http://dx.doi.org/10.1108/afr-05-2018-0044.
Повний текст джерелаАнотація:
Purpose Users of smallholder farmer microfinance are able to make enough returns to repay credits advanced to them. However, they are in dire need of financial capital such that they are inconsiderate of farmer- and credit-specific characteristics when participating in a microfinance programme. This study analyses perceptions of stakeholders regarding select farmer and credit characteristics within the microfinance industry. The study identifies and analyses the factors that influence participation in a microfinance programme by farmers using the logistic regression model. The purpose of this paper is to widen the knowledge base of rural agricultural finance, including factors that influence participation in microfinance intervention(s) thereof. Design/methodology/approach A total of 104 participants and 120 non-participant farmers in microfinance programmes were interviewed using a semi-structured questionnaire by applying the multistage sampling technique. The paper applied the logistic regression model in which farmer- and credit-specific characteristics were used to estimate the probabilities of participation. Findings The logistic regression results showed that distance, interest rate, experience, membership of farmer-based organisation, number of dependants, household, gender and age were statistically significant farmer- and credit-specific characteristics that influence participation in microfinance programmes. Interest rate and distance exact negative significance influence on participation, whereas membership of farmer-based organisations, experience, gender, household head and age influence participation positively. Reduction in the interest rate and expansion of microfinance to very remote areas rather than locations in urban areas are crucial in terms of improving participation. Research limitations/implications The paper used data from only farmers so there is a limit to which the results can be generalised for all microfinance users. It may be relevant to undertake a study that considers non-farm enterprises. Practical implications This paper brings to light the need to develop well-structured microfinance facilities that meet the specific needs of the rural poor in transitioning economies while taking into consideration critical factors affecting participation before the establishment of such programmes. Originality/value This paper provides empirical evidence to show that farmer- and credit-specific characteristics are essential to ensure participation and success of microfinance programmes thereof.
2
Hassan, Abul, and Shamim Saleem. "An Islamic microfinance business model in Bangladesh." Humanomics 33, no. 1 (February 13, 2017): 15–37. http://dx.doi.org/10.1108/h-08-2016-0066.
Повний текст джерелаАнотація:
Purpose The main purpose of this study is two-fold: first, it aims to confirm or disapprove a positive relationship between Islamic microfinance and the socio-economic welfare of women and, second, it aims to explore the perspective in which Islamic microfinance packages function in Bangladesh and the system of their performance can be enhanced. Design/methodology/approach Based on structured questionnaires’ survey, this study addressed two research questions: What should be anticipated from the programmes of Islamic microfinance on the well-being of beneficiaries and under what circumstances would such programmes be more useful? Findings The main result of this study shows that growth in women’s revenue and resources played an important role in improving women’s financial freedom and sense of self-possession. A significant policy endorsement in this study is that it is essential to redirect Islamic microfinance to spread in the developmental activities which will drive to contribute towards the well-being of the recipients in the long run. Originality/value Examination of the Rural Development Scheme of Islami Bank Bangladesh is undertaken, aiming to critically review their Islamic microfinance programme in the matter of fighting poverty in Bangladesh and to suggest to diversify the Islamic microfinance scheme to spread in the developmental activities which will drive to contribute towards the well-being of the recipients in the long run.
3
Mohapatra, Simantini, and Bimal Kishore Sahoo. "Determinants of participation in self-help-groups (SHG) and its impact on women empowerment." Indian Growth and Development Review 9, no. 1 (April 11, 2016): 53–78. http://dx.doi.org/10.1108/igdr-04-2015-0016.
Повний текст джерелаАнотація:
Purpose The purpose of this study is to gain meaningful insights into a microfinance programme in two different agro-ecological settings in India. The study, using primary survey data, attempts to examine individual, household and environmental characteristics that determine participation in a self-help group (SHG)–bank linkage programme in Odisha. Design/methodology/approach Primary data are collected by a stratified random sampling method. The sample size is 300 households and information is collected by canvassing a pre-designed schedule to women through door-to-door in-depth interviews. In addition, focus group discussions have been conducted to get qualitative information. A probit binary model is applied to examine the factors determining participation in a SHG–bank linkage programme. A composite index of women empowerment is computed taking three dimensions: autonomy, economic empowerment and the gender relationship. Further, ordinary least square multiple regression and treatment effect evaluation by propensity score matching is carried out to study the impact of participation on women empowerment. Findings The study finds that the programme has by-passed the poorest of the poor. It is observed, however, that participation in microfinance has a positive and significant impact on women empowerment. Research limitations/implications Given the research methodology adopted in this study, one concern is whether the results generalise. Therefore, researchers are encouraged to test the proposed propositions further. Practical implications To improve status of women particularly in developing and underdeveloped regions, microfinance can act as a catalyst. Social implications Microfinance in the form of SHG–bank linkage should be promoted, particularly for those social groups and religious communities where women are discriminated. Their participation in SHG–bank linkage programme will improve their social status through empowerment. Originality/value This study illustrates how microfinance can improve the status of women.
4
Dhungana, Bharat Ram, Arjun Timlasina, Bandana Thapa, and Devi Raman Tiwari Tiwari. "Effects of Microfinance Services on Economic Status Improvement: A Case of SKBBL, Pokhara, Nepal." Quest Journal of Management and Social Sciences 4, no. 2 (December 21, 2022): 200–209. http://dx.doi.org/10.3126/qjmss.v4i2.50315.
Повний текст джерелаАнотація:
Background: Microfinance is an effective tool for financial inclusion and poverty reduction in developing countries like Nepal. It delivers financial and non-financial services to unbanked people from formal financial services. Microfinance services support people from weaker sections of society with a view of socio-economic transformation. Low access to finance is a problem for poor and marginalized people. Microfinance institutions provide microcredit to unbanked people without physical collateral. Thus they help people from lower-income groups improve their livelihood through productive investment.
Objectives: This paper aims to examine the effects of microfinance services on the economic status of clients' status with references to Sana Kisan Bikas Laghubitta Bittiya Sanstha Limited (SKBBL), Pokhara, Nepal.
Methods: The research presents the findings of data collected through a survey research design in the Kaski district of Nepal. The researchers administered the survey questionnaire to 235 clients of SKBBL microfinance institutions involved in the programme for the last five or more years. We used a stratified random sampling technique to collect the data. The sample population comprised 70 from a scheduled caste (Dalit), 75 from ethnic groups, and 90 from upper castes. Both descriptive and inferential statistics have been used to analyze the data. The paired sample t-test has been used to examine the effects of microfinance intervention on occupational status, income level, consumption expenditure, capital expenditure, and monthly savings of the clients.
Results: The results show that microfinance has contributed a significant role. It has enabled people from lower income groups to access microcredit and encourage productive investment that facilitates productive investment and economic transformation. -The result derived from paired sample t-test finds the positive effects of microfinance intervention on occupational status, income level, consumption, capital expenditure, and saving habits.
Conclusion: This study concludes that role of microcredit is significant in enhancing the clients' economic status. Microfinance positively affects clients' earnings, savings, spending, asset accumulation, and occupational status. However, utilizing microcredit in productive sectors is necessary to empower the clients' economic status. The findings indicate that microfinance institutions must focus on effective microcredit applications to help create micro-businesses and improve the clients' livelihood status.
5
Ranabhat, Deepesh, and Bharat Ram Dhungana. "Micro-credit for the Small Enterprises Development: A Case of Kaski District, Nepal." Prithvi Academic Journal 4 (May 12, 2021): 27–38. http://dx.doi.org/10.3126/paj.v4i0.37007.
Повний текст джерелаАнотація:
The aim of this paper is to examine the impact of micro-credit on the small or micro-enterprises development with reference to Kaski district of Nepal. The descriptive and analytical research design is used and the research is based on the primary sources of data collected through structured questionnaires. During the study, the researchers selected 170 respondents, who were involved in the micro-credit programme in the last five or more years in the microfinance institutions, using the purposive sampling technique. The study finds that the majority of the clients are involved in agriculture and livestock and the rest are involved in the micro-business and enterprises related to service industry (such as tailoring, beauty parlor, hotel or restaurant), trade or business and small-scale manufacturing sectors. Micro-credit has a positive correlation with initial investment, revenue generation, employment generation, expansion of business and profit generation. The study also finds that micro-credit has encouraged clients to engage in the micro-business and enterprise development activities. The study recommends that it is necessary to adopt an effective utilization policy of micro-credit that may benefit both microfinance institutions for its sustainability and clients for their living standard improvement.
6
Babajide, Abiola Ayopo, Joseph Niyan Taiwo, and Kehinde Adekunle Adetiloye. "A comparative analysis of the practice and performance of microfinance institutions in Nigeria." International Journal of Social Economics 44, no. 11 (November 6, 2017): 1522–38. http://dx.doi.org/10.1108/ijse-01-2016-0007.
Повний текст джерелаАнотація:
Purpose The successful story of microfinance institutions is often tied to the practice and methods of credit delivery as evidence among international world class microfinance institutions across the globe. The purpose of this paper is to examine the impact of practice and methods of credit delivery employed by “non- profit” and “for-profit” microfinance institutions on financial sustainability and outreach programmes of the microfinance institutions in Nigeria. Design/methodology/approach The study adopts the survey research design and multi-stage stratified random sampling procedure to collect data from 372 senior management staff, managing directors and board members of microfinance institutions of both groups in Nigeria. Data collected were analyzed using descriptive statistics and multiple regressions analysis. Findings The findings suggest that the current practice and methods of credit delivery of microfinance in both “non-profit” and “for-profit” microfinance institutions have an inverse relationship with the financial sustainability and outreach programmes of the institutions. This study provides empirical evidence for the incessant failure of microfinance institutions in Nigeria. Research limitations/implications The study therefore recommends an immediate overhaul of the methodology and practice of microfinance institutions in the country to align with international best practice. Originality/value In spite of the huge literature on microfinance in Nigeria, there is not enough evidence to empirically prove that the practice of microfinance has affected the performance of the industry in Nigeria. This study sets out to fill that gap in the literature. The paper examines the practice of microfinancing in Nigeria vis-à-vis the performance of the microfinance institutions, categorized into NGO and microfinance bank “for-profit” institutions using international best practices from countries where microfinance is highly successful as a benchmark for deployment of microfinance in Nigeria, in order to proffer policy direction to stakeholders on steps to take to ensure viability in the microfinance subsector in Nigeria.
7
Obebo, Forah M., Nelson H. W. Wawire, and Joseph M. Muniu. "Effects of Participation of Micro and Small Enterprises in Microfinance on Their Performance in Kenya." International Journal of Economics and Finance 10, no. 7 (June 10, 2018): 78. http://dx.doi.org/10.5539/ijef.v10n7p78.
Повний текст джерелаАнотація:
The development of the microfinance sub-sector in Kenya is seen as a favourable catalyst for increasing performance of Micro and Small Enterprises (MSEs). Despite the development, MSEs continue to suffer from high levels of financial exclusion and shortage of operating funds. This scenarios raise policy questions on whether participation in microfinance has effects on performance of MSEs. While past studies on this relationship have demonstrated that the effects are mixed, an understanding of the effects on participation of microfinance on different segments on MSEs - especially the youth and women owned businesses and age of businesses, is necessary in designing relevant policy changes in the MSE subsector. To address this, the study used the 2016 FinAccess Dataset and estimated these effects using the propensity score matching technique. This model was considered suitable since it accounted for potential endogeneity biases associated with self-selection into participation, unobserved entrepreneurial abilities and risk taking behaviour of MSEs. Apart from showing that participation in microfinance has positive effects on performance of MSEs, the study has demonstrated that there is presence of constraints limiting the impact of microfinance especially in firms owned by the youth and women. As such, there is need for policy and product designs to address these hindrances even as participation in microfinance is encouraged. Based on the results, it is recommended that government and microfinance providers should design policies and products that increase firm participation in microfinance. This may be through scaling up financial literacy programmes and encouraging acquisition of permits. Finally, policy should address obstacles that hinder the youth and women owned MSEs from benefiting from microfinance.
8
Yang Hsu, Becky. "How not to punish your neighbour." International Journal of Development Issues 13, no. 2 (July 1, 2014): 113–28. http://dx.doi.org/10.1108/ijdi-03-2014-0019.
Повний текст джерелаАнотація:
Purpose – The paper aims to better understand why borrowers do not sanction one another in group-lending microfinance programmes. Design/methodology/approach – The paper utilises interviews conducted in 16 villages in Western China. The data were complemented by ethnographic fieldwork of an NGO in the region. Findings – The paper confirms the relevance to microfinance of existing literature showing that punishing others is costly, so people tend to wait for others to do it. It also reveals the existence of particularistic metanorms – norms of sanctioning that focus on whom one can and cannot punish. Additionally, it shows that people may punish according to whether they believe others are punishing. Research limitations/implications – The results are not immediately generalisable to all group-lending programmes. Originality/value – Fieldwork in rural China is difficult to conduct. Although cultural and social patterns are known to be important in development work, little is known about how it affects microfinance.
9
Simkhada, Nav Raj. "Approaches and design of microfinance programmes for the ultra-poor in Nepal." Enterprise Development and Microfinance 29, no. 3-4 (September 2018): 276–86. http://dx.doi.org/10.3362/1755-1986.00008.
Повний текст джерела
10
Karlan, Dean, Nathanael Goldberg, and James Copestake. "‘Randomized control trials are the best way to measure impact of microfinance programmes and improve microfinance product designs.’." Enterprise Development and Microfinance 20, no. 3 (September 2009): 167–76. http://dx.doi.org/10.3362/1755-1986.2009.017.
Повний текст джерела
11
Mwaniki, Tabitha Wawira, Prof Grace Wamue-Ngare, and Dr Pacificah Okemwa. "Influence of Microfinance Trainers’ Characteristics on Women’s Acquisition of Financial Skills." International Journal for Innovation Education and Research 6, no. 4 (April 30, 2018): 13–25. http://dx.doi.org/10.31686/ijier.vol6.iss4.987.
Повний текст джерелаАнотація:
Microfinance institutions have had their fair share of challenges, especially the ability of the women entrepreneurs to manage loans secured from the institutions. Thus, the study intended to examine the effectiveness of microfinance trainers’ characteristics on women’s acquisition of financial skills in Kiambu County, Kenya. The study was guided by Pearson’s Theory of Gender Relations, The Endogenous Growth and Knowledge-Based Theories. It adopted mixed methods approach and thus applied exploratory research design. The target population comprised of 8 Credit Officers, 25 staff members, 1900 women in SHGs, 700 spouses and 100 Key Informants (Training Officers) all totaling to 2733. Using the Central Limit Theorem to obtain a sample of MFIs, that is, 25.0% of 8 MFIs and 295 respondents, that is, 10.9% of 2708, were selected. Purposive sampling was used to select two Credit Officers and 20 key informants (Training Officers). 190 women in SHGs and 83 spouses were selected using simple random sampling. Focus group discussions were used to collect data from women in SHGs and their spouses, interview schedules for women in SHGs, Credit Officers and spouses whereas questionnaires were used to gather information from Training Officers. Qualitative data was analyzed thematically along the study objectives and presented in narrative forms while the quantitative data was analyzed descriptively using frequencies and percentages with the help of Statistical Packages for Social Science (SPSS 23) and were presented using tables and charts. The study established that microfinance trainers’ characteristics influence women’s acquisition of financial skills. Thus, the study recommends that microfinance trainers’ need to update their skills to match the changing times such as adopting use of ICT and attitude change towards women empowerment. The trainers need to plan for quarterly and semi-annual evaluation of training programmes since they are effective in ascertaining of the efficacy of such programmes.
12
Tran, Thu Thi Hoai, and Louis De Koker. "Aligning financial inclusion and financial integrity." Journal of Money Laundering Control 22, no. 4 (October 7, 2019): 595–613. http://dx.doi.org/10.1108/jmlc-01-2019-0004.
Повний текст джерелаАнотація:
Purpose This study aims to consider the anti-money laundering/combating of financing of terrorism (AML/CFT) regime that applies to microfinance institutions (MFIs) and microfinance programmes and projects (MFPs) in Vietnam to identify ways in which to improve the alignment between financial inclusion and financial integrity objectives in relation to this sector. Design/methodology/approach This doctrinal study is informed by the Financial Action Task Force mutual evaluation methodology. Findings The AML/CFT regulatory framework for MFIs/MFPs is inadequate but improving. The money laundering and terrorist financing risks posed by microfinance are low and so is the capacity of many providers to comply with AML/CFT obligations. Given the low risk, there is space to simplify AML/CFT requirements for this sector in a manner that will better align financial inclusion and financial integrity policy objectives. Research limitations/implications This paper considers the implementation of AML/CFT obligations of MFIs/MFPs based on existing studies as well as own research relating to compliance and supervisory practices. Further empirical studies to determine for the whole microfinance sector could provide a more granular understanding of crime risks and compliance capacities in the sector. Practical implications AML/CFT regulators in Vietnam can take concrete steps to simplify the AML/CFT due diligence obligations of MFIs/MFPs and support these institutions to formalise and implement appropriate AML/CFT measures. Social implications MFIs/MFPs play a vital socio-economic role by providing financial services to the poor. Appropriate AML/CFT control measures can enable these providers to continue providing these services while strengthening economic formalisation and integrity goals of the government. Originality/value The paper provides novel supervisory perspectives on the AML/CFT regime in relation to MFIs/MFPs.
13
Mwaniki, Tabitha Wawira, Grace Wamue-Ngare, and Pacificah Okemwa. "Influence of Microfinance Training Content on Women’s Acquisition of Financial Skills." International Journal for Innovation Education and Research 6, no. 4 (April 30, 2018): 1–12. http://dx.doi.org/10.31686/ijier.vol6.iss4.986.
Повний текст джерелаАнотація:
Microfinance institutions have had their fair share of challenges, especially the ability of the women entrepreneurs to manage loans secured from the institutions. Thus, the study intended to examine the effectiveness of microfinance training content on women’s acquisition of financial skills in Kiambu County, Kenya. The study was guided by Pearson’s Theory of Gender Relations, The Endogenous Growth and Knowledge-Based Theories. It adopted mixed methods approach and thus applied exploratory research design. The target population comprised of 8 Credit Officers, 25 staff members, 1900 women in SHGs, 700 spouses and 100 Key Informants (Training Officers) all totaling to 2733. Using the Central Limit Theorem to obtain a sample of MFIs, that is, 25.0% of 8 MFIs and 295 respondents, that is, 10.9% of 2708, were selected. Purposive sampling was used to select two Credit Officers and 20 key informants (Training Officers). 190 women in SHGs and 83 spouses were selected using simple random sampling. Focus group discussions were used to collect data from women in SHGs and their spouses, interview schedules for women in SHGs, Credit Officers and spouses whereas questionnaires were used to gather information from Training Officers. Qualitative data was analyzed thematically along the study objectives and presented in narrative forms while the quantitative data was analyzed descriptively using frequencies and percentages with the help of Statistical Packages for Social Science (SPSS 23) and were presented using tables and charts. The study established that microfinance training content influence women’s acquisition of financial skills. Thus, the study recommends that training materials should be specifically designed to suit the content of training programmes in order to enhance faster understanding of concepts to be learnt.
14
Ascarya, Ascarya, and Ali Sakti. "Designing micro-fintech models for Islamic micro financial institutions in Indonesia." International Journal of Islamic and Middle Eastern Finance and Management 15, no. 2 (March 16, 2022): 236–54. http://dx.doi.org/10.1108/imefm-05-2020-0233.
Повний текст джерелаАнотація:
Purpose This study aims to design appropriate micro-fintech models for Islamic microfinance institutions (IMFIs), especially Baitul Maal wat Tamwil (BMT) in Indonesia, thus enabling BMT to combine Islamic social and commercial microfinance optimally. Design/methodology/approach This study uses the analytic network process and Delphi methods, with three groups of experts as the respondents, namely, academician-regulators, BMT practitioners and Fintech practitioners. Findings The first results show that the micro-fintech tools needed by IMFI/BMT are digital banking, payment, peer-to-peer (P2P) financing, P2P social and e-commerce. These could be developed by a BMT alone or with an APEX or Association, which could also collaborate with an existing fintech company that specialises in micro-fintech, applying the offline to online approach. This means that commercial funding, as well as social fundraising of zakat and waqf, would be conducted online, whereas commercial financing for micro and small enterprise customers and the disbursement of zakat and waqf would be conducted offline. The second results show that the limited open ecosystem and hybrid ecosystem are the most appropriate micro-fintech ecosystems for IMFIs/BMT, with various alternative models. In addition, the private closed ecosystem preferred by BMT would be feasible if all criteria show improvement in the future. Research limitations/implications This study is qualitative in nature. The methods used have limitations, meaning the models could be improved by incorporating other methods. Moreover, the case and respondents are all Indonesian, which means that the results may only be applicable to BMTs in Indonesia. Practical implications A BMT and/or BMT association could immediately apply micro-fintech with a limited open ecosystem, while in the future, they could apply micro-fintech with a private closed ecosystem. Social implications The micro-fintech model could be used to optimise the collections of zakat, infaq and waqf, meaning BMT could provide more social programmes for those in need. Originality/value The growth of fintech in Islamic microfinance has occurred only recently, while only a limited number of studies have been conducted; therefore, no study exists on the development of a micro-fintech model appropriate for IMFIs, especially BMT.
15
Haneef, Mohamed Aslam, Ataul Huq Pramanik, Mustafa Omar Mohammed, Md Fouad Bin Amin, and Aliyu Dahiru Muhammad. "Integration of waqf-Islamic microfinance model for poverty reduction." International Journal of Islamic and Middle Eastern Finance and Management 8, no. 2 (June 15, 2015): 246–70. http://dx.doi.org/10.1108/imefm-03-2014-0029.
Повний текст джерелаАнотація:
Purpose – This paper aims to develop an integrated waqf-based Islamic microfinance (IsMF) for poverty reduction in Bangladesh. Microfinance institutions (MFIs) have been constrained by the high cost of funds, high interest rate charges and poor human resource quality of the recipients. Islamic MFIs have recently evolved with the hope of overcoming these financial, ethical and human capital deficiencies faced by the conventional financial institutions. Moreover, a good number of integrated models have been proposed to enhance the role played by Islamic MFIs. Most of these models, however, lack empirical justifications. Design/methodology/approach – The research uses survey techniques. A total of 381 respondents were included in the survey. The integrated waqf-based Islamic microfinance model (IWIMM) was earlier on developed using literature and intellectual discussions. There are six constructs presenting the IWIMM, namely, waqf resources, IsMF, takaful, project financing, human resource development and poverty alleviation. In the survey instrument, 45 items represent the six constructs, but only 26 items have been retained after factor analysis. Structural equation modelling has been adopted to examine the relationship among the constructs. Findings – The results show that there are significant relationships between IsMF and takaful, waqf resources and human resource development, takaful and human resource development, IsMF and human resource development and, waqf resources and project financing. The results also indicate that poverty alleviation is possible through the integration of these constructs. Research limitations/implications – Though the paper has studied conventional and Islamic MFIs in Bangladesh, one of the populated Organisation of Islamic Cooperation (OIC) member countries and also where poverty incidence is high, further studies need to be conducted in other OIC member countries to adopt the model in line with practical and regulatory environment of those countries. Similarly, the study is based on the perception of the respondents, which limits the generalization of the result. Practical implications – The paper proposed a model that has the potential of being applied for poverty alleviation programmes in most of the OIC member states. Originality/value – The present paper has developed an IWIMM for poverty reduction.
16
Atmadja, Adwin Surja, Jen-Je Su, and Parmendra Sharma. "Examining the impact of microfinance on microenterprise performance (implications for women-owned microenterprises in Indonesia)." International Journal of Social Economics 43, no. 10 (October 10, 2016): 962–81. http://dx.doi.org/10.1108/ijse-08-2014-0158.
Повний текст джерелаАнотація:
Purpose The purpose of this paper is to examine the impacts of microfinance on women-owned microenterprises’ (WMEs) performance in Indonesia. It especially observes how financial, human and social capital influences performance of enterprises. Design/methodology/approach Data were collected from a survey conducted in Surabaya, Indonesia’s second largest city, covering more than 100 WMEs. The ordered probit technique is applied to estimate the performance vis-à-vis financial, social and human capital relationships. Findings This study finds a negative relationship between performance and financial capital, and positive relationships between performance-human capital and performance-social capital. However, with respect to human capital, the level of education has a marginally significant relationship with performance. Practical implications Microcredit for the purposes of enhancing business performance might not necessarily be a good idea, if it is unable to generate higher returns. As a business develops, the volume of microcredit should be reduced, and replaced by owners’ own savings and retained profits. Regarding the non-financial factors, it might be useful for policy makers to contemplate providing incentives for spouse involvement in microenterprises run by women, and to consider them in designing credit policies. Group meetings activities should be extended to facilitate members to engage in business-related conversations and to develop social relationships. The ability of loan officers and group leaders to facilitate such conversations appears important. Originality/value To the best of the authors’ knowledge, this study provides the first in-depth understanding of the role of microfinance programmes in the case of performance of WMEs in Indonesia, one of the world’s most populous economies.
17
Mbakaya, Busolo Mediatrix, Dr Nelson Wawire, and Mr John Kabiru. "FACTORS AFFECTING ACCESS TO HEALTH INSURANCE PRODUCTS PROVIDED BY MICROFINANCE INSTITUTIONS IN WESTERN PROVINCE OF KENYA." Journal of Business and Strategic Management 1, no. 1 (October 14, 2016): 53. http://dx.doi.org/10.47941/jbsm.9.
Повний текст джерелаАнотація:
Purpose: The purpose of this study was to determine the factors that affect access to health insurance products offered by Microfinance institutions in Western KenyaMethodology: The research focused on all the registered MFIs operating in Western province of Kenya and their clients. A sample of two hundred respondents both insured and uninsured was selected. Interviews and review of administrative records were used to gather relevant information for the study. The research employed a descriptive and non-experimental design in which both qualitative and qualitative methods were used to analyse data. The data gathered was analysed using MS-excel and summarized using descriptive statistics in form of tables, percentage and graphs. Textual data was analysed qualitatively using frequency tables.Results: The study found that most members of the MFIs were earning less than a dollar a day. The study also found sixty eight percent of the respondents did not have healthcare insurance for themselves or members of their households. The respondents indicated that the main impediment to their uptake of healthcare insurance products was lack of funds to pay the premiums. The respondents also indicated that there was failure by the MFIs to carry out awareness programmes for the healthcare products. The study also found out that women are the majority clients of the MFIs at 78%.Unique contribution to theory, practice and policy: The study recommended that MFIs should strive to bring in the men into their net. The study also recommends that the MFIs need to liaise with strategic partners in the grassroots in the regions they operate in like the churches and schools to raise awareness of the healthcare insurance products. The study further recommended that future research be conducted to investigate the specific effect of each of the factors identified in this study. A future study could be for example conducted on the effects of education or culture on the adoption of healthcare insurance products offered by the MFIs. Future research could be conducted in other geographical regions using similar or different methodology to assess the verifiability of the findings of this study. Such a study would confirm or contest the findings of this study.
18
Chant, Sylvia. "Exploring the “feminisation of poverty” in relation to women’s work and home-based enterprise in slums of the Global South." International Journal of Gender and Entrepreneurship 6, no. 3 (September 2, 2014): 296–316. http://dx.doi.org/10.1108/ijge-09-2012-0035.
Повний текст джерелаАнотація:
Purpose – The purpose of this paper is to explore links between a revisionist view of the “feminisation of poverty” in developing countries and women’s work and home-based enterprise in urban slums. Design/methodology/approach – The paper’s discussion of the “feminisation of poverty” draws substantially from ethnographic field research conducted in The Gambia, The Philippines and Costa Rica. This research led the author to propose the notion of a “feminisation of responsibility and/or obligation”. The latter approach draws attention to issues such as gendered disparities of labour, time and resource inputs into household livelihoods, which are often most marked in male-headed units, and are not captured in conventional referents of the “feminisation of poverty”, which are rather narrowly confined to incomes and female household headship. Findings – An integral element of the author’s critique is that the main policy response to classic “feminisation of poverty” thinking, to date, has been to “feminise” anti-poverty initiatives such as Conditional Cash Transfer (CCT) and microfinance programmes. Originality/value – The paper argues that the “feminisation of poverty” compounds the tensions women already face in terms of managing unpaid reproductive and/or “volunteer” work with their economic contributions to household livelihoods, and it is in the context of urban slums, where housing, service and infrastructure deficiencies pose considerable challenges to women’s dual burdens of productive and reproductive labour. The paper emphasizes that to more effectively address gender inequality while also alleviating poverty, policy interventions sensitive to women’s multiple, time-consuming responsibilities and obligations are paramount.
19
Khan, Shagufta Tariq, Mohd Abass Bhat, and Mohi-Ud-Din Sangmi. "Impact of Microfinance on Economic, Social, Political and Psychological Empowerment: Evidence from Women’s Self-help Groups in Kashmir Valley, India." FIIB Business Review, December 16, 2020, 231971452097290. http://dx.doi.org/10.1177/2319714520972905.
Повний текст джерелаАнотація:
The present study attempts to examine the impact of microfinance on certain dimensions of women empowerment, namely economic, social, political and psychological. Quasi-experimental design comprising of control group (180) and treatment group (190) has been employed to assess the impact of microfinance on women empowerment. The findings revealed positively significant but moderate level of impact of microfinance on economic, political and psychological dimensions of women empowerment and only smaller overall impact on social empowerment. In addition, case studies further supported microfinance programme has substantially empowered women in terms of economic, political, social and psychological dimensions. More importantly, ambiguity over social empowerment was cleared.
20
Shaikh, Salman Ahmed. "Using Fintech in scaling up Islamic microfinance." Journal of Islamic Accounting and Business Research ahead-of-print, ahead-of-print (December 28, 2020). http://dx.doi.org/10.1108/jiabr-10-2019-0198.
Повний текст джерелаАнотація:
Purpose This study aims to propose a hybrid microfinance model that integrates various Islamic commercial and social finance institutions through Fintech for efficient and impactful results. The microfinance model caters to the financial and social intermediation needs through a set of financial services and non-financial support. Design/methodology/approach The study uses both a mathematical model and an empirical estimation using micro panel data to establish the core problem in microfinance operations. Conclusions from the mathematical model and estimated results in the empirical analysis are used to suggest an institutional design which embeds technology in the delivery of Islamic microfinance in an integrated structure. For screening and incentive conditions, the study gives illustration through numerical examples. Findings The mathematical model highlights the need for financial sustainability, outreach, scale and complementariness of non-financial factors such as commitment, repayment incentives and skills enhancement multiplier. In light of this, the proposed Islamic microfinance model is outlined to create synergies by integrating a diversity of funding sources through social savings and impact investments. The programme also blends financial services with non-financial support to ensure engagement and commitment on a long-term basis. It uses Fintech in various demand and supply-side operations to show how technology embeddedness can help in achieving cost efficiencies and extend outreach. Originality/value It is the first study in integrated institutional design in Islamic microfinance literature that embeds Fintech in both demand side and supply side operations comprehensively. The proposed model is conducive for enhancing outreach, scale and impact in the Islamic microfinancial services.
21
Modisagae, Katlego, and Christo Ackermann. "Determinants of defaulting by collateral lending groups in microfinancing: A probit regression approach." Acta Commercii 18, no. 1 (June 21, 2018). http://dx.doi.org/10.4102/ac.v18i1.562.
Повний текст джерелаАнотація:
Orientation: Despite the use of group lending, microfinance institutions (MFIs) are still faced with the risk of default by borrowers and the absence of physical collateral means that there is no recourse to borrower assets for repayment. It is therefore imperative to understand characteristics of loan default as a means to reduce possible erosion of the capital base of MFIs.Research purpose: The study identified determinants of loan default for collateral lending groups in microfinancing.Motivation for the study: Default on loans, which can be caused by characteristics of the lending groups themselves, has the undesirable effect of eroding the capital base of MFIs and threatening their continued existence. This study aims to identify those characteristics of loan default which could erode the capital base of MFIs.Research design, approach and methods: The study used the probit regression model to identify characteristics of loan default by collateral lending groups in microfinance in order to assist MFIs with insights regarding which factors to eliminate and which to enhance in the design of the groups to which they lend.Main findings: The key findings of the study indicate that probability of default decreases with larger groups, more female borrowers in a group and larger borrower savings. The results also indicate that probability of default increases with larger loan amounts and with borrowers who have more business experience.Practical and managerial implications: Microfinance institutions should consider having a feeder programme where borrowers whose businesses have become successful and larger can be passed on to bigger commercial banks instead of continuing to borrow from the MFIs as part of a group lending scheme.
22
Uddin, Md Nazim, Hamdino Hamdan, Norma Bt Saad, Ahasanul Haque, Salina Kassim, Nor Azizan Che Embi, and Khushbu Agarwal. "The Governance Structure of Microfinance Institutions: A Comparison of Models of Sustainability and their Implication on Outreach." Asian Journal of Economics, Business and Accounting, June 25, 2022, 104–23. http://dx.doi.org/10.9734/ajeba/2022/v22i1930662.
Повний текст джерелаАнотація:
Purpose: This research aims to discover whether or not there is a connection between the governance structure of microfinance institutions (MFIs) and the outreach these organisations provide. The research looks at how the different kinds of MFIs, like Microfinance Banks (MFB) or Self-Help Groups (SHG), Microcredit Programme (MCP), and Rural Development Scheme (RDS), affect the number of people who can use MFIs' services.
Design: In the process of the discussions and analysis, one microfinance institution from each of the three models will be considered. The country of Bangladesh will serve as the primary source of empirical study. The questionnaire was sent to the top managers or directors of MFIs to obtain the data for the research. The study relied on secondary data for the most part, which was mainly collected from the annual reports of these MFIs.
Findings: The research discovered a connection between the governance structure of MFI outreach and the institution's capacity to maintain its operations. The three models all use the same method of operation, but they are pretty different in terms of the interest rate and the amount of time it takes to repay the debt.
Research Limitations: The research is restricted to the materials (annual reports) made accessible by each MFI.
Practical Implications: The results of this study are significant for understanding how microfinance will change in the future, as defined by the global development discourse and the public policy decisions that go along with it.
Social Implications: The reduction of poverty, the empowerment of the poor, and improved access to financial services all contribute favourably to financial inclusion. It contributes to sustainable economic development. MFIs that have greater outreach and are more sustainable also have a good effect.
Originality: The governing structure of MFIs hasn't been extensively studied, which influences the MFIs' outreach.
23
Saha, Somen. "Design and Baseline Findings of a Multi-site Non-randomized Evaluation of the Effect of a Health Programme on Microfinance Clients in India." Global Journal of Health Science 6, no. 1 (October 12, 2013). http://dx.doi.org/10.5539/gjhs.v6n1p43.
Повний текст джерела
24
Rafi, Dudekula, N. Venkatesa Palanichamy, D. Suresh Kumar, C. Velavan, V. Anandhi, and D. Murugananthi. "Role of Microfinance in Functioning of Women Self-Help Groups (SHG) Under Bank Linkage Programme in the Rayalaseema Region of Andhra Pradesh." Asian Journal of Agricultural Extension, Economics & Sociology, December 20, 2021, 168–79. http://dx.doi.org/10.9734/ajaees/2021/v39i1230816.
Повний текст джерелаАнотація:
Aims: To understand the functioning of bank-linked women-based self-help groups in the Rayalaseema region of Andhra Pradesh.
Study Design: Cross-sectional.
Place and Duration of Study: The study was conducted in two districts of the Rayalaseema region of Andhra Pradesh. The survey was conducted from April to May 2021. The reference year for the present study regarding financial parameters and group-related information was taken 2020 – 2021.
Methodology: A total representative sample of 360 respondents with 120 SHG groups from two districts of the Rayalaseema region was taken for evaluation of the functioning of SHGs. All the respondents taken for the study were women. A well-structured interview schedule was used for collecting the primary data from the individuals.
Results: It is revealed from the study that, savings activity by SHG is a regular activity. Through SHG group involvement a considerable change is observed among women in terms of various skills i.e., decision making, entrepreneurial skills, competency, managing, credit handling, coordination, and planning.
Conclusion: It is concluded that using group meetings, member involvement, savings habit, external lending, and starting up of own enterprise a significant improvement of leadership qualities, managerial ability, psychological wellbeing, financial upliftment, and improved living standards are observed among all the rural women beneficiaries. validate reliability.
25
Rajapakshe, Wasantha. "The Role of Micro Finance Institutions on the Development of Micro Enterprises (MEs) in Sri Lanka." South Asian Journal of Social Studies and Economics, January 13, 2021, 1–17. http://dx.doi.org/10.9734/sajsse/2021/v9i130227.
Повний текст джерелаАнотація:
Aim: The study investigates the impact of microfinance practices on the growth of micro-enterprises (MEs) concerning the Central Province, Sri Lanka. It has been discovered that the growth of microbusinesses is dependent on gender, age, education level and nature of the industry.
Design/Methodology/Approach: Multinomial Logistic Regression models was applied in this study. Multinomial logistic regression is frequently used for the analysis of categorical response data with continuous or categorical explanatory variables. Parameter estimates are usually obtained through direct maximum likelihood estimation. Two models were used to test the hypothesis concerning the three practices, micro-credit, training and advisory services. Primary data were obtained from 200 registered microenterprises (ME) owners in the Central Province through convenience sampling methods. Data collection was conducted using a self-structured questionnaire.
Results and Conclusion: According to the results, microfinance practices have a significant relationship with the development of MEs, while Microcredit and advisory services have a significant impact on the development of MEs. Training programmes have not significantly impacted on the development of MEs. The research concludes that microfinance as a whole educates and helps to develop micro financed micro-scale enterprise businesses and positively impact those families in the Central Province, Sri Lanka.
Research limitations/implications: Data were limited to select only one province in Sri Lanka out of nine using a self-structured questionnaire. Also considering the response rate and sample size, there are limitations to generalize the findings. This research was restricted to three variables micro-credit; Training and Advisory services impact of other factors that can influence the growth of MEs did not fall under the scope of this study.
Originality and Value: The impact of microfinance practices on MEs growth in Central Province in Sri Lanka is an under-researched area of study. The findings of this study can act as a guideline in the future for decision-makers to identify factors that influence more on MEs development.
26
Kachkar, Omar, and Fares Djafri. "Exploring the intentional behaviour of refugees in participating in micro-enterprise support programmes (MESP): is theory of planned behaviour (TPB) still relevant?" Journal of Entrepreneurship in Emerging Economies ahead-of-print, ahead-of-print (June 18, 2021). http://dx.doi.org/10.1108/jeee-05-2020-0150.
Повний текст джерелаАнотація:
Purpose This study aims to investigate the relevance of the theory of planned behaviour (TPB) in predicting the intentional behaviour of refugee entrepreneurs. This paper uses key components of the theory on attitude, subjective norms and perceived control to explore the willingness of refugees to participate in microenterprise support programmes (MESP) in refugee camps. Design/methodology/approach This study used a positivist research approach, comprising a quantitative basis of enquiry and gathered data via survey questionnaires. In total, 400 usable questionnaires were completed and used for analysis. This study uses descriptive and inferential analysis with SPSS and confirmatory factor analysis with AMOS to test three key TPB hypotheses. Findings The structured model revealed acceptable high goodness-of-fit indices. Also, the findings indicated that out of three hypotheses, two hypotheses (attitude and perceived control) were substantial, positive and significant. However, the relationship between subjective norms of refugees and their intention to participate in MESP was insignificant. The findings of this study indicate the low-profile refugees give to the views and opinions of the surrounding communities when it comes to determining their intentional behaviour. As such, some poignant implications may relate to microfinance and microcredit programmes targeting refugees. Practical implications The present study illustrates the interrelationships between the proposed variables. Also, by understanding the relationships between the selected variables, the findings would be useful for the concerned authorities to ameliorate and upgrade the well-being of refugees along with empowering their environment, which would facilitate their engagement in business and entrepreneurship. Originality/value This study explores the relevance of TPB and its components in the context of the intentional behaviour of refugee entrepreneurs. It further illuminates the distinction of refugee behaviour towards entrepreneurship and MESP.