Financial Sustainability Of Micro Finance Institutions In Sub Saharan Africa

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The Financial Sustainability of Micro-Finance Institutions in Sub-Saharan Africa

Hanna Kattilakoski
The Financial Sustainability of Micro Finance Institutions in Sub Saharan Africa Book PDF

Author : Hanna Kattilakoski
Publisher : GRIN Verlag
Page : 103 pages
File Size : 42,5 Mb
Release : 2020-08-05
Category : Business & Economics
ISBN : 9783346219473

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The Financial Sustainability of Micro-Finance Institutions in Sub-Saharan Africa by Hanna Kattilakoski Pdf

Master's Thesis from the year 2018 in the subject Business economics - Investment and Finance, grade: 90.0, Cologne Business School Köln, language: English, abstract: The aim of this study is to understand the factors that drive financial sustainability in microfinance institutions. To accomplish this, several indicators for operational self-sufficiency (OSS) were investigated through correlation and regression analysis. The results indicate that the drivers for operational self-sufficiency include return on assets, number of active borrowers and profit margin. The analysis also showed that in terms of OSS and profitability, there is little difference between for-profit and non-profit organizations. To increase operational self-sufficiency institutions should increase return on asserts, the number of active borrowers and their profit margin. The results support the profit-incentive theory and the financial systems approach. These results indicate that to achieve financial sustainability MFIs should focus on covering operating expenses through earned revenues. Therefore, MFI structure should encourage cost-oriented management. Additionally, findings from this study revealed that there may not be a large tradeoff in efficiency and outreach. Results showed that operationally self-sufficient MFIs actually have a larger outreach than non-self-sufficient organizations. Limitations for this study include that the regression only explains the variables affecting OSS with 26 % certainty and other variables not tested may also be factors

Financial Sustainability of Micro-Finance Institutions in Sub-Saharan Africa

Hanna Kattilakoski
Financial Sustainability of Micro Finance Institutions in Sub Saharan Africa Book PDF

Author : Hanna Kattilakoski
Publisher : GRIN Verlag
Page : 6 pages
File Size : 43,9 Mb
Release : 2020-06-23
Category : Business & Economics
ISBN : 9783346187956

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Financial Sustainability of Micro-Finance Institutions in Sub-Saharan Africa by Hanna Kattilakoski Pdf

Presentation slides from the year 2018 in the subject Business economics - Business Management, Corporate Governance, grade: 90, Cologne Business School Köln, language: English, abstract: What factors influence the financial sustainability of microfinance institutions in Sub-Saharan Africa?

Microfinance in Africa

Mr.Rodolphe Blavy,Mr.Murat  Yulek,Mr.Anupam Basu
Microfinance in Africa Book PDF

Author : Mr.Rodolphe Blavy,Mr.Murat  Yulek,Mr.Anupam Basu
Publisher : International Monetary Fund
Page : 24 pages
File Size : 55,9 Mb
Release : 2004-09-01
Category : Business & Economics
ISBN : 9781451858723

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Microfinance in Africa by Mr.Rodolphe Blavy,Mr.Murat  Yulek,Mr.Anupam Basu Pdf

Based on the experience of selected countries, this paper offers a critical presentation of the development of the microfinance sector in Africa. The paper supports the view that microfinance institutions, especially those engaged in full financial intermediation, complement effectively the banking sector in extending financial services and successfully draw on the rich experience of community-based development and preexisting informal methods of financial intermediation in Africa. Growing linkages between microfinance institutions and the banking system and the dissemination of good practices by nongovernment organizations contribute to the sound development of the sector, supported by regulation and supervision by local authorities.

Microfinance in Africa

S. Rajagopalan
Microfinance in Africa Book PDF

Author : S. Rajagopalan
Publisher : Unknown
Page : 220 pages
File Size : 41,7 Mb
Release : 2009
Category : Africa
ISBN : STANFORD:36105133116108

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Microfinance in Africa by S. Rajagopalan Pdf

Africa is home to some of the poorest and vulnerable populations in the world. The ten poorest countries in the world are in Africa. Sub-Saharan Africa is the region with the highest incidence and greatest depth of poverty in the world. Fewer than one in five adults in Africa has access to the services of a formal or semi-formal financial institution. Microfinance in Africa is growing, though. A broad range of diverse institutions offer financial services to the poor and low-income clients in Africa. These include non-governmental organizations, non-banking financial institutions, cooperatives, credit unions, rural banks, Rotating Savings and Credit Associations (ROSCAs), postal financial institutions and an increasing number of commercial banks. Increasingly, technology is being used to expand microfinance outreach mobile phone banking is one such example. This book provides an overview of the microfinance sector in Africa, reviews the performance and impact of microfinance institutions in the region, and outlines some of the opportunities and challenges that African microfinance has on hand.

Financial Development in Sub-Saharan Africa

Mr.Montfort Mlachila,Ahmat Jidoud,Ms.Monique Newiak,Bozena Radzewicz-Bak,Ms.Misa Takebe
Financial Development in Sub Saharan Africa Book PDF

Author : Mr.Montfort Mlachila,Ahmat Jidoud,Ms.Monique Newiak,Bozena Radzewicz-Bak,Ms.Misa Takebe
Publisher : International Monetary Fund
Page : 79 pages
File Size : 54,7 Mb
Release : 2016-09-14
Category : Business & Economics
ISBN : 9781475536355

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Financial Development in Sub-Saharan Africa by Mr.Montfort Mlachila,Ahmat Jidoud,Ms.Monique Newiak,Bozena Radzewicz-Bak,Ms.Misa Takebe Pdf

This paper discusses how sub-Saharan Africa’s financial sector developed in the past few decades, compared with other regions. Sub-Saharan African countries have made substantial progress in financial development over the past decade, but there is still considerable scope for further development, especially compared with other regions. Indeed, until a decade or so ago, the level of financial development in a large number of sub-Saharan African countries had actually regressed relative to the early 1980s. With the exception of the region’s middle-income countries, both financial market depth and institutional development are lower than in other developing regions. The region has led the world in innovative financial services based on mobile telephony, but there remains scope to increase financial inclusion further. The development of mobile telephone-based systems has helped to incorporate a large share of the population into the financial system, especially in East Africa. Pan-African banks have been a driver for homegrown financial development, but they also bring a number of challenges.

Microfinance and Sustainable Development in Africa

Alhassan, Yahaya,Nwagbara, Uzoechi
Microfinance and Sustainable Development in Africa Book PDF

Author : Alhassan, Yahaya,Nwagbara, Uzoechi
Publisher : IGI Global
Page : 368 pages
File Size : 45,8 Mb
Release : 2021-12-10
Category : Business & Economics
ISBN : 9781799875017

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Microfinance and Sustainable Development in Africa by Alhassan, Yahaya,Nwagbara, Uzoechi Pdf

The use of microfinance for poverty reduction and economic development in the developing world is growing. However, this concept needs to be expanded to ensure its successful application for achieving longer-term economic growth and sustainability in developing countries, particularly in parts of the world such as Africa. As such, further research into the relationship between microfinance and sustainable development in developing regions is required to fully understand the opportunities for effective use of microfinance for poverty reduction and economic development. Microfinance and Sustainable Development in Africa examines the complex relationship between receipt of microfinance, poverty reduction, economic growth, and microbusiness development, focusing on the provision of small credit facilities as a driver of sustainable development in Africa. Its coverage of topics such as microbusiness, social finance, and sustainable development make this book an ideal reference source for academicians, researchers, government officials, policymakers, organizations, managers, instructors, and students.

Financing Sustainable Development in Africa

Uchenna R. Efobi,Simplice Asongu
Financing Sustainable Development in Africa Book PDF

Author : Uchenna R. Efobi,Simplice Asongu
Publisher : Springer
Page : 454 pages
File Size : 45,8 Mb
Release : 2018-05-15
Category : Business & Economics
ISBN : 9783319788432

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Financing Sustainable Development in Africa by Uchenna R. Efobi,Simplice Asongu Pdf

This edited volume provides a critical evaluation of financing options for sustainable development in Africa. While sustainability has long been the watchword for development programs, and while many African countries have taken initiatives to develop integrated frameworks that tackle developmental challenges—including poverty, education, and health—financing has remained a challenge. In this book, an expert team of chapter authors examines new financing options while also exploring how traditional financing means, such as foreign aid and foreign direct investment, can be more effective for sustainability. The authors discuss how African nations can build adequate structures and productive capacity to create a platform that can meet present economic, social, and environmental needs without compromising the ability of future generations to meet their own needs. Practical case studies and scientific evidence give this book a unique approach that is both qualitative and quantitative. This book will be of interest to students, practitioners, and scholars of development studies, public policy and African economics.

Finance in Africa

European Investment Bank
Finance in Africa Book PDF

Author : European Investment Bank
Publisher : European Investment Bank
Page : 281 pages
File Size : 46,5 Mb
Release : 2021-11-23
Category : Business & Economics
ISBN : 9789286150647

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Finance in Africa by European Investment Bank Pdf

Africa's recovery from the COVID-19 crisis will depend on private firms sustaining and creating jobs. But even previously thriving enterprises have been badly hit by the crisis. This report outlines the consequences of the health crisis in Africa, the potential cost of the recovery and the willingness of banks to support green investments as they look to the future.

Financial Inclusion for Poverty Alleviation

Essam Yassin Mohammed,Zenebe Bashaw Uraguchi
Financial Inclusion for Poverty Alleviation Book PDF

Author : Essam Yassin Mohammed,Zenebe Bashaw Uraguchi
Publisher : Routledge
Page : 260 pages
File Size : 52,7 Mb
Release : 2017-12-12
Category : Business & Economics
ISBN : 9781351595124

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Financial Inclusion for Poverty Alleviation by Essam Yassin Mohammed,Zenebe Bashaw Uraguchi Pdf

More than one billion people still live below the poverty line – most of them in South Asia and Sub-Saharan Africa. Financial inclusion is a major issue, as more than three-quarters of the numbers of poor and disadvantaged women and men do not have access to financial products and services, such as bank accounts, affordable and suitable loans, and insurance. The key objective of this book is to provide practical case studies of financial inclusion, rather than focus on academic debates such as the ideological basis of promoting microfinance. Using the recently adopted Sustainable Development Goals as an overall framing of the issues, it shows how poor and disadvantaged women and men can be bankable if the right facilitation for maximizing opportunities and addressing constraints are in place. Case studies confirm that achieving inclusive and sustainable access to financial products and services goes beyond simply enabling poor and disadvantaged women and men to have access to credit, or the ability to open a bank account. Examples from Africa, Asia and Latin America demonstrate encouraging progress in making microcredit accessible to millions of poor people. The foremost challenge, however, has been to ensure that they have access to, and usage intensity of, suitable and affordable financial products and services that meet the needs of their livelihoods as well as risks and mitigation strategies. This requires understanding that poor and disadvantaged women and men do not exist in isolation from complex and interdependent functions in the financial system, which includes a number of actors, diversified services, constraints (not just symptoms) and capacities and incentives. Overall, the book provides a rich source of examples of how building inclusive financial systems can empower the world's poor – by increasing income and employment opportunities, securing livelihoods and reducing poverty.

The Triangle of Microfinance

Manfred Zeller,Richard L. Meyer
The Triangle of Microfinance Book PDF

Author : Manfred Zeller,Richard L. Meyer
Publisher : Intl Food Policy Res Inst
Page : 426 pages
File Size : 51,9 Mb
Release : 2002-01-01
Category : Business & Economics
ISBN : 9780801872266

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The Triangle of Microfinance by Manfred Zeller,Richard L. Meyer Pdf

Since the 1980s when the microfinance revolution began, much has been accomplished, but the field became more refined in the 1990s as a result of shifts in paradigms, strategies, and development practices. This volume addresses the three policy objectives that now occupy those who wish to use credit as a development tool: financial sustainability of microfinance institutions, outreach to the poor, and welfare impact. Inevitable tradeoffs exist among these objectives, and the book advances an analytical framework that assists students of and experts in microfinance to identify the tradeoffs and synergies at the institutional level and in the policy environment. The book features a wealth of empirical data and innovative analytical studies, and critically discusses the role of public support for microfinance institutions (MFIs) in light of the social costs and benefits generated by such financial systems. The book is organized into five parts. The first discusses the demand for and access to financial services by the poor, emphasizing that demand-oriented, pro-poor financial services are crucial in reaching the poor. The second is concerned with two of the criteria used to evaluate MFIs—outreach and financial sustainability. The third features innovative econometric studies seeking to evaluate the impact of MFIs at the household level. The fourth looks at the role of both public- and private-sector institutions in developing sustainable financial systems. And the fifth summarizes implications for policy and research. Given the lack of sound, empirical literature on microfinance, this volume is sure to advance knowledge and research methodology in the field.

Making Finance Work for Africa

Patrick Honohan,Thorsten Beck
Making Finance Work for Africa Book PDF

Author : Patrick Honohan,Thorsten Beck
Publisher : World Bank Publications
Page : 264 pages
File Size : 49,9 Mb
Release : 2007
Category : Business & Economics
ISBN : 9780821369104

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Making Finance Work for Africa by Patrick Honohan,Thorsten Beck Pdf

Drawing on its extensive experience in helping restructure and reform financial systems, the World Bank examines the state of African domestic financial systems in a global comparison. It identifies promising trends as well as pinpointing the major shortcomings that are observed across sub-Saharan Africa. Policy recommendations distinguish between those designed to make finance a more effective driver of economic growth and those designed to give low income, small-scale and other excluded groups better access to financial services.

Microfinance Institutions

R. Mersland,Ø. Strøm
Microfinance Institutions Book PDF

Author : R. Mersland,Ø. Strøm
Publisher : Springer
Page : 329 pages
File Size : 51,5 Mb
Release : 2015-12-11
Category : Business & Economics
ISBN : 9781137399663

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Microfinance Institutions by R. Mersland,Ø. Strøm Pdf

Research on MFI performance is still in its infancy. MFIs are hybrid organizations with dual objectives. Performance studies in microfinance are therefore less straightforward compared to performance studies in traditional banking research. This book contains new MFI performance research by top scholars from across the globe.

Microfinance As a Sustainable Solution for Alleviating Poverty

Rebecca Rockey
Microfinance As a Sustainable Solution for Alleviating Poverty Book PDF

Author : Rebecca Rockey
Publisher : LAP Lambert Academic Publishing
Page : 64 pages
File Size : 54,7 Mb
Release : 2010-11
Category : Electronic
ISBN : 3843378576

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Microfinance As a Sustainable Solution for Alleviating Poverty by Rebecca Rockey Pdf

This book presents the hot topic of microfinance, comparing the success of microfinance institutions across two geographic regions: Africa and Asia (specifically sub-Saharan Africa [SSA] and south Asia). The success of a microfinance institution is defined by its outreach and sustainabilty, which indicate social and economic performance as well as impact. Looking more closely at poverty issues, sub-Saharan Africa poverty has essentialy doubled to 380 million (more than the U.S. population) over 20 years despite many political and economic attempts to restore economic growth. Comparing reforms taken by China and Vietnam that resulted in large and sustainable reductions in poverty, this book argues that sub-Saharan Africa has much larger issues outside of access to credit by the poor that hinder economic development. While microfinance shows to have played a role in smoothing consumption, it has not shown increased entrepreneurship or self-sufficiency and has not affected aggregate poverty levels at all.

Sub-Saharan Africa

Ms.Catherine A. Pattillo,Ms.Anne Marie Gulde,Mr.Kevin Joseph Carey,Ms.Smita Wagh,Mr.Jakob Christensen
Sub Saharan Africa Book PDF

Author : Ms.Catherine A. Pattillo,Ms.Anne Marie Gulde,Mr.Kevin Joseph Carey,Ms.Smita Wagh,Mr.Jakob Christensen
Publisher : International Monetary Fund
Page : 62 pages
File Size : 42,5 Mb
Release : 2006-08-28
Category : Business & Economics
ISBN : 1589065654

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Sub-Saharan Africa by Ms.Catherine A. Pattillo,Ms.Anne Marie Gulde,Mr.Kevin Joseph Carey,Ms.Smita Wagh,Mr.Jakob Christensen Pdf

Financial sectors in low-income sub-Saharan Africa (SSA) are among the world's least developed. In fact, assets in most low-income African countries are smaller than those held by a single medium-sized bank in an industrial country. The absence of deep, efficient financial markets seriously challenges policy making, hinders poverty alleviation, and constrains growth. This book argues that building efficient and sound financial sectors in SSA countries will improve Africa's economic prospects. Based on a review of the key features of financial systems, it discusses the main obstacles and challenges that financial structures pose for SSA economies and recommends steps that could address major shortcomings in implementing the reform agenda.

FinTech in Sub-Saharan African Countries

Mr.Amadou N Sy,Mr.Rodolfo Maino,Mr.Alexander Massara,Hector Perez Saiz,Preya Sharma
FinTech in Sub Saharan African Countries Book PDF

Author : Mr.Amadou N Sy,Mr.Rodolfo Maino,Mr.Alexander Massara,Hector Perez Saiz,Preya Sharma
Publisher : International Monetary Fund
Page : 61 pages
File Size : 45,9 Mb
Release : 2019-02-14
Category : Business & Economics
ISBN : 9781484385661

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FinTech in Sub-Saharan African Countries by Mr.Amadou N Sy,Mr.Rodolfo Maino,Mr.Alexander Massara,Hector Perez Saiz,Preya Sharma Pdf

FinTech is a major force shaping the structure of the financial industry in sub-Saharan Africa. New technologies are being developed and implemented in sub-Saharan Africa with the potential to change the competitive landscape in the financial industry. While it raises concerns on the emergence of vulnerabilities, FinTech challenges traditional structures and creates efficiency gains by opening up the financial services value chain. Today, FinTech is emerging as a technological enabler in the region, improving financial inclusion and serving as a catalyst for the emergence of innovations in other sectors, such as agriculture and infrastructure.