社会和金融效率:印度小额信贷机构研究

IF 1.8 Q3 MANAGEMENT
S. Chauhan
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引用次数: 7

摘要

小额信贷机构在没有任何抵押品的情况下向更多贫困人口提供储蓄、信贷、保险和汇款服务。小额信贷机构有两个目标:社会拓展和财务可持续性。外延是指小额信贷机构为多少人提供服务,而小额信贷机构延长服务时间的能力是财务可持续性。小额信贷机构的社会和财务绩效是印度小额信贷行业最具争议的问题。社会效率表明小额信贷机构支持更多较贫穷消费者的意愿,而金融效率表明机构可以向穷人提供多长时间的金融服务。这些组织的成功对于继续为捐助机构和政府提供资金支持至关重要。本文利用数据包络分析(DEA)技术计算了印度非政府-小额信贷机构的效率。本研究还利用Tobit回归对影响小额信贷机构效率的因素进行了估计。数据来自小额信贷信息交流,时间为2009年至2015年。结果表明,非政府-小额信贷机构的财务效率高于社会机构。回归结果表明,非政府组织-小额信贷机构的财务和社会效率的关键变量是业务自给自足(OSS)。在印度的背景下,很少有实证研究讨论印度非政府组织-小额信贷机构的效率。本文提供了在印度经营的非政府组织-小额信贷机构的业绩衡量标准,以协助改善小额信贷公司的业绩和增长。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Social and Financial Efficiency: A Study of Indian Microfinance Institutions
Microfinance institutions (MFIs) provides savings, credit, insurance and remittance facilities to more impoverished people without any collateral. MFIs have twin goals: social outreach and financial sustainability. Outreach refers to how many people are served by MFIs while the capacity of MFIs to serve longer is financial sustainability. The social and financial performance of MFIs is the most debatable issue in the Indian microfinance industry. Social efficiency indicates MFIs’ willingness to support a higher number of poorer consumers while financial efficiency indicates how long financial services can be offered to the poor by institutions. The success of these organizations is very critical for the continuity of funding support for donor agencies and the government. Using data envelopment analysis (DEA) techniques this paper calculates the efficiency of Indian NGO–MFIs. The research also uses Tobit regression to estimate the factors of the efficiency of MFIs. The data is taken from the Microfinance Information Exchange for the period 2009 to 2015. Results indicate that NGO–MFIs are financially more efficient than social ones. Regression findings show that the critical variable for the financial and social efficiency of NGO–MFIs is operational self-sufficiency (OSS). Very few empirical studies are available in the Indian context that discuss the efficiency of Indian NGO–MFIs. The present paper provides standards for performance measures of NGO–MFIs operating in India to assist in improving the performance and growth of microfinance firms.
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来源期刊
CiteScore
3.90
自引率
31.20%
发文量
25
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