小额信贷机构的拓展与可持续性之间的权衡:来自撒哈拉以南非洲的证据

Q4 Social Sciences

Enterprise Development and Microfinance Pub Date : 2017-09-01 DOI:10.3362/1755-1986.16-00014

Adams Abdulai, D. Tewari

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引用次数: 32

摘要

小额信贷行业不断变化的格局，其特点是捐助资金的减少，重新引发了关于小额信贷机构在保持可持续发展的同时为穷人服务的能力的辩论。在本研究中，我们研究了撒哈拉以南非洲(SSA)背景下的外联与可持续性之间的关系，并使用来自10个国家71家小额信贷机构(mfi)的数据分析了可持续性的决定因素。通过应用相关分析和固定效应回归，我们发现了外展深度和运营自我可持续性之间权衡的混合证据。此外，研究结果表明，利率是小额信贷机构可持续性的主要决定因素，这与制度主义观点一致。显著影响SSA小额信贷机构可持续性的因素是平均贷款规模占国民总收入的百分比、总贷款组合、风险投资组合、运营费用与资产比率、治理效果……

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Trade-off between outreach and sustainability of microfinance institutions: evidence from sub-Saharan Africa

The changing landscape of the microfinance industry, which is characterized by a decline in donor funding, has reignited debates regarding the ability of microfinance institutions to serve the poor while remaining sustainable. In this study, we examined the relationship between outreach and sustainability in the context of sub-Saharan Africa (SSA) and analysed the determinants of sustainability using data from 71 microfinance institutions (MFIs) across 10 countries. By applying correlation analysis and fixed effects regression, we found mixed evidence of a trade-off between the depth of outreach and operational self-sustainability. Furthermore, the results show that interest rate is a major determinant for MFI sustainability, which is consistent with the institutionalist view. Factors that significantly influence the sustainability of MFIs in SSA are the average loan size as a percentage of gross national income, gross loan portfolio, portfolio at risk, operating expenses to assets ratio, governance effec...

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来源期刊

Enterprise Development and Microfinance Social Sciences-Development

CiteScore

0.60

自引率

0.00%

发文量

期刊介绍： EDM encourages critical thinking on how market systems can be more inclusive and sustainable, with concrete implications for designing, implementing, and evaluating business support programmes. EDM is essential reading for practitioners, researchers, donors, policymakers, and finance specialists engaged in market-related activities involving poor people in the global South. The coverage includes but is not restricted to: • Financial inclusion (inclusive financial services and products) • Emerging financing models (impact investment, responsible finance, social lending) • Value chain analysis and development • Inclusive business models • Equity (gender, youth, marginalized) in access to financial services and value chains • Political and regulatory framework for SME development and financial services • ICT for business development and financial services • Sustainability standards • Advisory services for SMEs • Impact assessment.