Fund-based Activity of Indian Small Finance Banks: A Fuzzy DEA Approach

Q3 Economics, Econometrics and Finance

Studies in Microeconomics Pub Date : 2022-10-11 DOI:10.1177/23210222221122159

Pulak Konar, R. Sinha, Samriddhi Ghosh, Banhi Guha

引用次数: 0

Abstract

The objective of this article is to promote financial inclusion in the niche market for the less privileged class of the society by allowing small finance banks that are specialized in terms of activity with a regional focus and the target population. The present study makes an efficiency evaluation of the small finance banks operating in India for the period 2017–2020. In view of the smallness of the sample size, the study estimates efficiency, not by the conventional data envelopment analysis (DEA)-based point estimates. Instead, it estimates efficiency by applying the Guo–Tanaka fuzzy DEA model. In the second stage, efficiency is explained in terms of three contextual variables: return on asset, capital adequacy and net non-performing asset ratio. JEL Classifications: C61, D21, G21

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印度小型金融银行资金活动:模糊DEA方法

本文的目的是通过允许小型金融银行专门从事具有区域重点和目标人群的活动，促进社会中较不特权阶层的利基市场的金融包容性。本研究对2017-2020年期间在印度经营的小型金融银行进行了效率评估。鉴于样本量较小，本研究没有采用传统的基于数据包络分析(DEA)的点估计方法来估计效率。采用Guo-Tanaka模糊DEA模型对效率进行估计。在第二阶段，效率被解释为三个上下文变量:资产收益率，资本充足率和净不良资产比率。JEL分类:C61, D21, G21

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Studies in Microeconomics Economics, Econometrics and Finance-Economics, Econometrics and Finance (all)

CiteScore

1.40

自引率

0.00%

发文量

期刊介绍： Studies in Microeconomics seeks high quality theoretical as well as applied (or empirical) research in all areas of microeconomics (broadly defined to include other avenues of decision science such as psychology, political science and organizational behavior). In particular, we encourage submissions in new areas of Microeconomics such as in the fields of Experimental economics and Behavioral Economics. All manuscripts will be subjected to a peer-review process. The intended audience of the journal are professional economists and young researchers with an interest and expertise in microeconomics and above. In addition to full-length articles MIC is interested in publishing and promoting shorter refereed articles (letters and notes) that are pertinent to the specialist in the field of Microeconomics (broadly defined). MIC will periodically publish special issues with themes of particular interest, including articles solicited from leading scholars as well as authoritative survey articles and meta-analysis on the themed topic. We will also publish book reviews related to microeconomics, and MIC encourages publishing articles from policy practitioners dealing with microeconomic issues that have policy relevance under the section Policy Analysis and Debate.