小额信贷机构的互惠、绩效和培训支出:来自南亚的证据

Q4 Social Sciences
K. Ranjani, Poonam Singh
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引用次数: 1

摘要

本文考察了培训和能力建设对小额信贷机构互惠性的影响。小额信贷机构对借款人忠诚度的要求不仅仅是财务激励,能力建设有助于提高借款人的技能和确保借款人的忠诚度。这项研究提出,培训支出是互惠的一个决定因素。使用211家印度小额信贷机构的不平衡面板数据,我们按每笔贷款的成本和培训服务的成本代表培训支出,并按每个工作人员的办事处和借款人进行近似。本文表明,培训支出对互惠有显著的正向影响,以借款人保留率和存贷比来衡量。我们还展示了培训支出和绩效指标之间的相互关系。我们的论文通过确定培训支出在确保借款人忠诚度和增加外联方面的积极作用,从而有助于提高小额信贷机构的绩效,从而为实践做出贡献。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Reciprocity, performance, and training expenditure in microfinance institutions: evidence from South Asia
This paper examines the effect of training and capacity building on reciprocity in microfinance institutions (MFI). Borrower loyalty requirements in MFI go beyond financial incentives and capacity building helps in skilling borrowers and securing borrower loyalty. The study proposes training expenditures as a determinant of reciprocity. Using an unbalanced panel data of 211 Indian MFIs, we proxy training expenditures by cost per loan and training services are approximated by offices and borrower per staff member. The paper shows that training expenditure has a positive and significant effect on reciprocity, measured in terms of borrower retention and deposit to loan ratio. We also show the interrelationship between training expenditures and performance measures. Our paper contributes to practice by identifying the positive role of training expenditures in securing borrower loyalty and increase in outreach which, in turn, helps to improve performance of MFIs.
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来源期刊
Enterprise Development and Microfinance
Enterprise Development and Microfinance Social Sciences-Development
CiteScore
0.60
自引率
0.00%
发文量
16
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.
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