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What macro factors make microfinance institutions reach out 是什么宏观因素让小额信贷机构伸出了援手
Savings and development Pub Date : 2008-10-01 DOI: 10.6092/10446_27414
A. Vanroose
{"title":"What macro factors make microfinance institutions reach out","authors":"A. Vanroose","doi":"10.6092/10446_27414","DOIUrl":"https://doi.org/10.6092/10446_27414","url":null,"abstract":"This paper identifies factors that explain why microfinance institutions are reaching more clients in some countries than in others. To that end, the paper applies a cross-country analysis on a unique dataset covering 115 countries. Results indicate that the microfinance sector is more present in the richer countries of the developing world. It also reaches more clients in countries that receive more international support. Population density plays also a positive role, which could explain why the sector is still underdeveloped in rural areas. The level of industrialisation and inflation do not seem to influence microfinance outreach, while regional dummies do.","PeriodicalId":397516,"journal":{"name":"Savings and development","volume":"30 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2008-10-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114149128","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 69
Analyse de la derive de mission des IMF a partir des criteres de selection 根据选择标准分析小额信贷机构的任务结果
Savings and development Pub Date : 1900-01-01 DOI: 10.6092/SAND_79087
M. Couchoro, Arvind Ashta
{"title":"Analyse de la derive de mission des IMF a partir des criteres de selection","authors":"M. Couchoro, Arvind Ashta","doi":"10.6092/SAND_79087","DOIUrl":"https://doi.org/10.6092/SAND_79087","url":null,"abstract":"The originality of this paper lies in the use of credit counterparties based on either the material (or physical) collateral or personal guarantees on human mission drift indicators. This methodology is based on the very foundations of microfinance, the extension of credit to people excluded from the traditional financial system using social solidarity mechanisms. This paper studies the occurrence of a mission drift for MFIs that have priority objective the fight against financial exclusion of the poor. The empirical study is based on the collection of a sample of 245 customer data selection criteria of a microfinance institution in Togo.","PeriodicalId":397516,"journal":{"name":"Savings and development","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124121261","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Microfinance institutions on the remittances market: do money transfer activities generate deposits? 汇款市场上的小额信贷机构:汇款活动能产生存款吗?
Savings and development Pub Date : 1900-01-01 DOI: 10.2307/SAVIDEVE.35.1.75
Ritha Sukadi Mata
{"title":"Microfinance institutions on the remittances market: do money transfer activities generate deposits?","authors":"Ritha Sukadi Mata","doi":"10.2307/SAVIDEVE.35.1.75","DOIUrl":"https://doi.org/10.2307/SAVIDEVE.35.1.75","url":null,"abstract":"Microfinance institutions (MFIs) are expected to succeed in transforming migrants’ remittances into deposits. Based on an original database including 114 MFIs from Africa, South Asia, Latin America and the Caribbean, and East Asia and the Pacific, this paper empirically examines the occurrence of this expected success. It tests whether MFIs operating on the remittances market capture more deposits than others. The results exhibit a positive and significant effect of the money transfer activity on the amounts of deposits in MFIs.","PeriodicalId":397516,"journal":{"name":"Savings and development","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133824255","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
Saving behaviour in a transition economy: An empirical case study of rural China 转型经济中的储蓄行为:中国农村的实证案例研究
Savings and development Pub Date : 1900-01-01 DOI: 10.1142/9789814293327_0007
G. Wan, Q. Shi, Sumei Tang
{"title":"Saving behaviour in a transition economy: An empirical case study of rural China","authors":"G. Wan, Q. Shi, Sumei Tang","doi":"10.1142/9789814293327_0007","DOIUrl":"https://doi.org/10.1142/9789814293327_0007","url":null,"abstract":"Using a large set of household-level survey data, this paper explores determinants of saving behaviour in rural China. The rich specification of the model, necessarily ad hoc, enables consideration of an extensive array of variables. It is found that (a) liqui dity constraints, precautionary motives and industrialisation contribute positively to the unusually high saving rate in China; (b) culture is a significant factor in helping explain inter-regional differences in saving rate; (c) the life cycle hypothesis is rejec ted since a \"Upattern\", contrary to the commonly claimed \"hump\", is discovered; and (d) the permanent income hypothesis is not accepted as wealth is found to be nega tively related to savings.","PeriodicalId":397516,"journal":{"name":"Savings and development","volume":"179 9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120967991","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 11
Personal assets, access to creditand gender entrepreneurial disparities:the case of the South African informal sector 个人资产、获得信贷的机会和两性创业差异:南非非正规部门的情况
Savings and development Pub Date : 1900-01-01 DOI: 10.2307/SAVIDEVE.36.1.25
K. Chapelle
{"title":"Personal assets, access to creditand gender entrepreneurial disparities:the case of the South African informal sector","authors":"K. Chapelle","doi":"10.2307/SAVIDEVE.36.1.25","DOIUrl":"https://doi.org/10.2307/SAVIDEVE.36.1.25","url":null,"abstract":"This article aims to analyze the nature of South African entrepreneurship and to assess the extent to which obstacles and especially liquidity constraints faced by women may differ from those met by men during the phase of firm settlement. This study shows that women in the informal sector who are less educated and more burdened by unemployment are more “necessity-based” or “push” entrepreneurs than their male counterparts. They appear to have greater difficulty in accumulating sufficient personal assets than their male counterparts. They thus rely more often on stokvel or money lenders to access credit than men.","PeriodicalId":397516,"journal":{"name":"Savings and development","volume":"44 1-2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125629249","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 6
Factors driving usage of financial servicesfrom different financial access strands in Kenya 推动肯尼亚不同金融渠道使用金融服务的因素
Savings and development Pub Date : 1900-01-01 DOI: 10.2307/SAVIDEVE.36.1.71
A. O. Shem, Roseline Misati, L. Njoroge
{"title":"Factors driving usage of financial servicesfrom different financial access strands in Kenya","authors":"A. O. Shem, Roseline Misati, L. Njoroge","doi":"10.2307/SAVIDEVE.36.1.71","DOIUrl":"https://doi.org/10.2307/SAVIDEVE.36.1.71","url":null,"abstract":"This study uses data from the 2006 and 2009 national financial access (FinAccess) surveys to examine factors influencing financial service choices that households make. The findings indicate that households’ access to financial services is based on levels of education, access to a saving facility, availability of M-Pesa services, age, group affiliations and wealth. The study further indicates that about a third of the adult population does not use any form of financial services available. Based on the results, the study recommends innovative marketing strategies aimed at expanding the use of mobile phones, which are valuable beyond the voice service and recoup costs from their increased usage; increased investment in financial education; and better designed financial products by the private sector appropriate for the unbanked majority.","PeriodicalId":397516,"journal":{"name":"Savings and development","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126601722","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 18
Macroeconomic developments and banks' behaviour in Kenya: a panel data analysis 宏观经济发展与肯尼亚银行行为:面板数据分析
Savings and development Pub Date : 1900-01-01 DOI: 10.6092/10446_27461
L. Njoroge, A. Kamau
{"title":"Macroeconomic developments and banks' behaviour in Kenya: a panel data analysis","authors":"L. Njoroge, A. Kamau","doi":"10.6092/10446_27461","DOIUrl":"https://doi.org/10.6092/10446_27461","url":null,"abstract":"This paper examines the effect of macroeconomic developments on performance, credit quality \u0000and lending behaviour of banks in Kenya, by estimating a dynamic panel data model using \u0000Generalized Method of Moments. The paper finds banks’ behaviour to be largely influenced by \u0000macroeconomic developments. During down turns, banks tend to lend less on account of increased \u0000credit risk, rationing credit as dictated by macroeconomic developments. The study \u0000suggests that banks need to continue pursuing risk sensitive loan pricing policies to ease the \u0000extent of procyclical/countercyclical behaviour during economic upswings/downswings respectively, \u0000which in turn reduces the chances of supply-driven credit crunch effects.","PeriodicalId":397516,"journal":{"name":"Savings and development","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129349252","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
Remittances and financial sector development. Lessons from the Salvadoran case 汇款和金融部门发展。萨尔瓦多案例的教训
Savings and development Pub Date : 1900-01-01 DOI: 10.2307/savideve.35.1.1
C. Ambrosius
{"title":"Remittances and financial sector development. Lessons from the Salvadoran case","authors":"C. Ambrosius","doi":"10.2307/savideve.35.1.1","DOIUrl":"https://doi.org/10.2307/savideve.35.1.1","url":null,"abstract":"The paper takes a closer look at the benefits and limitations of “banking” remittances in the case \u0000of El Salvador, where state-owned banks followed an active policy of reaching out to the diaspora. \u0000The first part analyzes the role of different financial institutions in the Salvadoran remittance \u0000market. The second part crosses financial data with remittance data across Salvadoran \u0000municipalities. Although coverage of the banking sector is limited to larger municipalities and \u0000those with better-than-average socioeconomic indicators, empirical results show that the banking \u0000sector is more developed in terms of per capita savings and number of accounts in remittanceintensive \u0000municipalities.","PeriodicalId":397516,"journal":{"name":"Savings and development","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117088474","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 7
Bangladeshi monetary policy transmissionmechanism: asymmetric responses, inflation,and policy time lags 孟加拉国货币政策传导机制:非对称反应、通货膨胀和政策滞后
Savings and development Pub Date : 1900-01-01 DOI: 10.2307/SAVIDEVE.36.1.91
Chu V. Nguyen, A. Islam, M. Ali
{"title":"Bangladeshi monetary policy transmissionmechanism: asymmetric responses, inflation,and policy time lags","authors":"Chu V. Nguyen, A. Islam, M. Ali","doi":"10.2307/SAVIDEVE.36.1.91","DOIUrl":"https://doi.org/10.2307/SAVIDEVE.36.1.91","url":null,"abstract":"This study empirically documented that the Bangladeshi inflation converts to its long-run threshold faster when it is above than when it is below the endogenously determined threshold. \u0000Furthermore, the estimation results reveal the unidirectional Granger causality from the real GDP growth rate to the countercyclical monetary policy, i.e., the real GDP growth rate is weakly exogenous from the Bangladeshi countercyclical monetary policy actions. \u0000These findings indicate that even though the Bangladeshi Central Bank uses its monetary policy to manage the macro economy, money and hence monetary policy seem not to matter in the short run.","PeriodicalId":397516,"journal":{"name":"Savings and development","volume":"100 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117256744","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
Corruption, investissements et croissance économique en Côte d'Ivoire cote科特迪瓦的腐败、投资和经济增长
Savings and development Pub Date : 1900-01-01 DOI: 10.2307/SAVIDEVE.35.1.55
W. Ouattara
{"title":"Corruption, investissements et croissance économique en Côte d'Ivoire","authors":"W. Ouattara","doi":"10.2307/SAVIDEVE.35.1.55","DOIUrl":"https://doi.org/10.2307/SAVIDEVE.35.1.55","url":null,"abstract":"The purpose of this paper is to analyze the impact of corruption on the private and \u0000public investments in Cote d’Ivoire and to study their impacts on the economic growth. \u0000In addition, we try to appreciate the impact of the Ivoirian military and politic crisis on \u0000the economic performances. The corruption scale and the democratic practice life are \u0000often mentioned as the principles factors which affect the volume of public and private \u0000investments. With data of World Development Indicators (WDI) and Transparency \u0000International (TI) from 1998 to 2009, we show with an empirical approach that the \u0000corruption is a factor of overestimation of the investments amount in Cote d’Ivoire and \u0000this fact has hereafter pernicious effects on the economic growth. The stability test \u0000indicates that the Ivorian crisis affected differently the economic growth of the Union’s \u0000countries. Then the study recommends a better consciousness rising of the political and \u0000economical actors on the inconveniences of corruption and unconstitutional changes. \u0000The paper also suggests the creation of a national authority endowed with exceptional \u0000power to take disciplinary action against all the corruption forms.","PeriodicalId":397516,"journal":{"name":"Savings and development","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127001532","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
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