COVID-19对加纳非银行金融机构部门的封锁造成的中断和长期影响

Q4 Social Sciences

Enterprise Development and Microfinance Pub Date : 2021-06-01 DOI:10.3362/1755-1986.21-00003

J. Peprah

{"title":"COVID-19对加纳非银行金融机构部门的封锁造成的中断和长期影响","authors":"J. Peprah","doi":"10.3362/1755-1986.21-00003","DOIUrl":null,"url":null,"abstract":"This paper assesses disruptions in the non-bank financial institution (NBFI) sector and the protracted effects of COVID-19 and the lockdown on the NBFI sector. The paper focuses on microfinance institutions in Ghana using rapid response survey data obtained from the Ghana Microfinance Institutions Network between January 2020 and April 2020. Poor corporate governance, improper documentation of transactions, and impaired loan portfolio among others were antecedents to the disruptions. Regarding the lockdown effects, we found that savings value contracted and the possibility of a further deteriorating portfolio is anticipated thus reducing interest income. The use of digital channels of delivering savings and loan products increased while the physical delivery channel decreased. The regulator needs to have a second look at microfinance regulation in Ghana. Policy should focus on expanding and upscaling the use of digital and remote banking means in reaching out to clients.","PeriodicalId":39025,"journal":{"name":"Enterprise Development and Microfinance","volume":"32 1","pages":"78-92"},"PeriodicalIF":0.0000,"publicationDate":"2021-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"1","resultStr":"{\"title\":\"Disruptions and the protracted effects of the COVID-19 lockdown in the non-bank financial institution sector in Ghana\",\"authors\":\"J. Peprah\",\"doi\":\"10.3362/1755-1986.21-00003\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"This paper assesses disruptions in the non-bank financial institution (NBFI) sector and the protracted effects of COVID-19 and the lockdown on the NBFI sector. The paper focuses on microfinance institutions in Ghana using rapid response survey data obtained from the Ghana Microfinance Institutions Network between January 2020 and April 2020. Poor corporate governance, improper documentation of transactions, and impaired loan portfolio among others were antecedents to the disruptions. Regarding the lockdown effects, we found that savings value contracted and the possibility of a further deteriorating portfolio is anticipated thus reducing interest income. The use of digital channels of delivering savings and loan products increased while the physical delivery channel decreased. The regulator needs to have a second look at microfinance regulation in Ghana. Policy should focus on expanding and upscaling the use of digital and remote banking means in reaching out to clients.\",\"PeriodicalId\":39025,\"journal\":{\"name\":\"Enterprise Development and Microfinance\",\"volume\":\"32 1\",\"pages\":\"78-92\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2021-06-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"1\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Enterprise Development and Microfinance\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.3362/1755-1986.21-00003\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q4\",\"JCRName\":\"Social Sciences\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Enterprise Development and Microfinance","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.3362/1755-1986.21-00003","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"Social Sciences","Score":null,"Total":0}

引用次数: 1

摘要

本文评估了非银行金融机构(NBFI)部门的中断以及2019冠状病毒病和封锁对NBFI部门的长期影响。本文使用从加纳小额信贷机构网络获得的2020年1月至2020年4月期间的快速反应调查数据，重点关注加纳的小额信贷机构。糟糕的公司治理、不恰当的交易文件和受损的贷款组合等都是此次中断的前兆。关于封锁效应，我们发现储蓄价值收缩，预计投资组合可能进一步恶化，从而减少了利息收入。使用数字渠道交付储蓄和贷款产品的情况有所增加，而使用实体交付渠道的情况有所减少。监管机构需要重新审视加纳的小额信贷监管。政策应侧重于扩大和扩大数字和远程银行手段在接触客户方面的使用。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

查看原文本刊更多论文

Disruptions and the protracted effects of the COVID-19 lockdown in the non-bank financial institution sector in Ghana

This paper assesses disruptions in the non-bank financial institution (NBFI) sector and the protracted effects of COVID-19 and the lockdown on the NBFI sector. The paper focuses on microfinance institutions in Ghana using rapid response survey data obtained from the Ghana Microfinance Institutions Network between January 2020 and April 2020. Poor corporate governance, improper documentation of transactions, and impaired loan portfolio among others were antecedents to the disruptions. Regarding the lockdown effects, we found that savings value contracted and the possibility of a further deteriorating portfolio is anticipated thus reducing interest income. The use of digital channels of delivering savings and loan products increased while the physical delivery channel decreased. The regulator needs to have a second look at microfinance regulation in Ghana. Policy should focus on expanding and upscaling the use of digital and remote banking means in reaching out to clients.

求助全文

通过发布文献求助，成功后即可免费获取论文全文。去求助

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.