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Author : Yogendra Prasad Acharya
Publisher : Unknown
Page : 351 pages
File Size : 52,7 Mb
Release : 2009
Category : Agricultural credit
ISBN : 8183630642
Author : Essam Yassin Mohammed,Zenebe Bashaw Uraguchi
Publisher : Routledge
Page : 260 pages
File Size : 52,9 Mb
Release : 2017-12-12
Category : Business & Economics
ISBN : 9781351595124
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.
Author : Susan Johnson,Ben Rogaly
Publisher : Oxfam
Page : 148 pages
File Size : 46,6 Mb
Release : 1997
Category : Business & Economics
ISBN : 0855983698
The book emphasizes the importance of studying the local context, and then considering the macroeconomic factors which may be operating upon the economy of a particular country. Five extended case studies, in the Gambia, Ecuador, Mexico, Pakistan, and the UK are examined with reference to further aspects of sustainability and impact assessment.
Author : Tazul Islam
Publisher : Routledge
Page : 229 pages
File Size : 49,9 Mb
Release : 2016-04-22
Category : Business & Economics
ISBN : 9781317096788
The attempt of the Grameen Bank to alleviate poverty and enhance the skills and productivity of its rural women clients provides the fascinating backdrop to this important study of micro-credit institutions. Tazul Islam examines the real extent to which the Grameen Bank's credit-alone policy has been successful in securing the Bank's financial sustainability; its practical role in alleviating poverty and its actual impact on the productivity of its clients. This book concludes by considering alternative policy options that hold out the possibility of increased poverty alleviation.
Author : Yahaya Alhassan,Uzoechi Nwagbara
Publisher : Business Science Reference
Page : 408 pages
File Size : 49,7 Mb
Release : 2021
Category : Business & Economics
ISBN : 1799874990
"This book offers great insight into theoretical, policy-oriented and practical ways to address some of the challenges of using microfinance for sustainable development in Africa"--
Author : Hanna Kattilakoski
Publisher : GRIN Verlag
Page : 103 pages
File Size : 45,9 Mb
Release : 2020-08-05
Category : Business & Economics
ISBN : 9783346219473
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
Author : Alhassan, Yahaya,Nwagbara, Uzoechi
Publisher : IGI Global
Page : 368 pages
File Size : 54,7 Mb
Release : 2021-12-10
Category : Business & Economics
ISBN : 9781799875017
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.
Author : Hanna Kattilakoski
Publisher : GRIN Verlag
Page : 6 pages
File Size : 49,9 Mb
Release : 2020-06-23
Category : Business & Economics
ISBN : 9783346187956
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?
Author : Musau Mutisya
Publisher : African Books Collective
Page : 272 pages
File Size : 54,5 Mb
Release : 2014-10-06
Category : Social Science
ISBN : 9789956792054
The Kenyan population is highly concentrated in urban centres, leading to increased social, economic and environmental strains, with a significant percentage of urban dwellers living in sprawling slums. Urban development is increasingly a major focus, especially in the fight against urban sustainability problems. There is little practical orientation in the academic literature for the growing gap between the rich and poor. Current literature is enormously concerned with resource use and environmental pressures, paying scant attention to the nexus between urban sustainability and empowerment of the urban poor. This book initiates debates on the segment of urban population often referred to as the bottom of the pyramid (BOP), by analysing the microfinance innovation following evaluation of the impacts of access to microfinance and financial training and the implications to urban sustainability in Kenya. The main conclusion reached is that microfinance has an instrumental role to play in promoting sustainable urban development as it supports social welfare improvement and increases the livelihood of participants, business development and urban sustainability to a certain extent, thereby empowering the urban poor in contributing to poverty alleviation.
Author : Ben Quinones,Joe Remenyi
Publisher : Routledge
Page : 362 pages
File Size : 46,7 Mb
Release : 2014-02-04
Category : Business & Economics
ISBN : 9781317762584
Despite the considerable economic growth of the Asia-Pacific, poverty continues to be a major problem. One key way to create sustainable livelihoods and to provide poor households an escape route from poverty is microfinance. Since the early 1980s, microfinance practitioners have proven that the poor are creditworthy, capable of utilizing scarce capital efficiently in viable incom-generating projects and able to pay back their loans. This book collects the experience of microfinance practitioners in 11 countries in the Asia-Pacific region to describe the present state of the art. It is designed to provide an overview of the subject: why it is so essential to poverty reduction; what is the best practice; what kind of policy framework and regulatory environment is required. It offers both an extensive survey of the academic literature and a selection of case studies, all from authors who have been active practitioners in microfinance for many years. The case studies cover four key countries in South Asia and three countries in East Asia in which microfinance had become particularly important. There is also a regional chapter covering the Pacific islands.
Author : Milford Bateman
Publisher : Kumarian Press
Page : 289 pages
File Size : 49,6 Mb
Release : 2011
Category : Business & Economics
ISBN : 9781565494374
Incorporates global perspective but focuses on southeastern Europe, a key arena for microfinance and microcredit programs --
Author : Paul W. Thurman
Publisher : Routledge
Page : 236 pages
File Size : 51,5 Mb
Release : 2016-04-29
Category : Business & Economics
ISBN : 9781317142591
In Entrepreneurship and Sustainability the editors and contributors challenge the notion that not-for-profit social entrepreneurship is the only sort that can lead to the alleviation of poverty. Entrepreneurship for profit is not just about the entrepreneur doing well. Entrepreneurs worldwide are leading successful for-profit ventures which contribute to poverty alleviation in their communities. With the challenge of global poverty before them, entrepreneurs continue to develop innovative, business-oriented ventures that deliver promising solutions to this complex and urgent agenda. This book explores how to bring commercial investors together with those who are best placed to reach the poorest customers. With case studies from around the World, the focus of the contributions is on the new breed of entrepreneurs who are blending a profit motive with a desire to make a difference in their communities and beyond borders. A number of the contributions here also recognize that whilst much research has been devoted to poverty alleviation in developing countries, this is only part of the story. Studies in this volume also focus upon enterprise solutions to poverty in pockets of significant deprivation in high-income countries, such as the Appalachia region of the US, in parts of Europe, and the richer Asian countries. Much has been written about the achievements of socially orientated non-profit microfinance institutions. This valuable, academically rigorous but accessible book will help academics, policy makers, and business people consider what the next generation of more commercially orientated banks for the 'bottom billion' might look like.
Author : Doris Köhn
Publisher : Springer
Page : 199 pages
File Size : 54,8 Mb
Release : 2013-12-02
Category : Business & Economics
ISBN : 9783642417047
This book focuses on the achievements, current trends and further potential of microfinance to scale-up and serve many more clients with financial services that enable them to improve their living conditions. The book asks what it takes to achieve sustainable impact: to know your clients and to understand their needs, to treat them in a fair and transparent way, and to safeguard the synthesis between the financial and social dimension of sustainable microfinance. The book also sheds light on the future funding landscape and what is necessary to bring more commercial funders on board while ensuring that these new funders will continue the commitment to responsible finance. While being forward looking, the book reflects the debate on core values of microfinance, triggered by recent criticisms of an approach that was hailed as a panacea in the beginning and which had proved over time as one of the most effective models of development finance. These criticisms emerged over signs of overheating in some markets, particularly the 2010 events in Andhra Pradesh, and turned into an assumption of a worldwide microfinance crisis, putting seriously at stake the good reputation microfinance had enjoyed so far.
Author : Leire San-Jose,José Luis Retolaza,Luc van Liedekerke
Publisher : Unknown
Page : 600 pages
File Size : 47,7 Mb
Release : 2019
Category : Accounting
ISBN : 303000001X
Author : Hege Gulli
Publisher : IDB
Page : 134 pages
File Size : 48,5 Mb
Release : 1998
Category : Business & Economics
ISBN : 1886938458