An evaluation of the performance of microfinance institutions in Ghana
Author : Felix Kwame Aveh
Publisher :
Page : 0 pages
File Size : 15,47 MB
Release : 2011
Category :
ISBN :
Author : Felix Kwame Aveh
Publisher :
Page : 0 pages
File Size : 15,47 MB
Release : 2011
Category :
ISBN :
Author : Johannes Flosbach
Publisher : LIT Verlag Münster
Page : 373 pages
File Size : 18,58 MB
Release : 2015
Category : Business & Economics
ISBN : 3643906005
This book examines the determinants of financial performance of microfinance institutions (MFIs) in Ghana and Uganda, against the backdrop of the public and academic debate over the financial and social implications of microfinance. In the absence of a conceptual model, the study chooses an inductive research approach with the objective of defining and developing a conceptual model with the capacity to explain, quantify, and compare the performance of MFIs. The research is particularly relevant in the African context where microloan interest rates regularly exceed 100% per annum and where the microfinance industry is lacking behind its global peers in regard to financial and social performance. (Series: Contributions to the Africa Research / Beitrage zur Afrikaforschung - Vol. 59) [Subject: Economics, Finance, African Studies]
Author : J. Gueyie
Publisher : Springer
Page : 259 pages
File Size : 38,99 MB
Release : 2013-01-17
Category : Business & Economics
ISBN : 1137301929
Microfinance in developing countries is a collection of studies by leading researchers in the field of microfinance. It discusses key issues that the rapidly growing microfinance industry currently faces, and offers interesting views and analysis of topical matters concerning the microfinance realm.
Author :
Publisher :
Page : 70 pages
File Size : 28,80 MB
Release : 2004
Category : Microfinance
ISBN :
Author : Yahaya Alhassan
Publisher : Business Science Reference
Page : 408 pages
File Size : 12,88 MB
Release : 2021
Category : Business & Economics
ISBN : 9781799874997
"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 : Kwadwo Baffoe
Publisher :
Page : 202 pages
File Size : 24,39 MB
Release : 2009
Category :
ISBN :
Author :
Publisher : World Bank Publications
Page : 46 pages
File Size : 13,1 MB
Release : 2005
Category : Bank
ISBN :
Abstract: The authors investigate the microfinance regulatory regimes in Benin, Ghana, and Tanzania, with a view to identifying key issues and lessons on how the overall regulatory framework affects integration of microfinance institutions into the financial system. The authors find that recognizing different tiers of both regulated and unregulated institutions in a financial structure facilitates financial deepening and outreach to otherwise underserved groups in urban and rural areas. That environment promotes sustainable microfinance under shared performance standards and encourages regulatory authorities to develop appropriate prudential regulations and staff capacity. Case studies of the three countries raise important issues on promoting microfinance development vis-à-vis regulating them. Laws to regulate activities other than intermediation of public deposits into loans can result in disproportionately restrictive and unmanageable standards, even as dynamic microfinance sectors have emerged without conducive regulatory regimes. The authors use the three countries' regulatory experiences to highlight the importance of differentiating when prudential supervision is warranted and when regulatory oversight suffices, and to identify the agencies to carry out regulation. They address an important issue that has received scant attention, measuring and paying for the costs of regulating microfinance, and the need to build technical capacity of supervisory and regulatory staff.
Author : Alexander Stimpfle
Publisher :
Page : 24 pages
File Size : 41,81 MB
Release : 2011-08
Category :
ISBN : 9783640974689
Seminar paper from the year 2011 in the subject Economics - Finance, grade: 1,33, IE Business School, Madrid, language: English, abstract: Although not as widespread and developed as in Latin America and Asia, microfinance in Africa has become a central tool for alleviating poverty and spurring economic development. With a financial sector that in regional comparison is already fairly well developed, Ghana's microfinance sector is one of the most vibrant of the continent. Mixmarket (2011) lists $131.2 million of total loans, distributed among 358,717 active borrowers, for 2009. For the same year, 1.3 million private lenders are estimated to hold in total $140.2 million in deposits in Ghana. This report examines the microfinance institution (MFI) "Kraban Support Foundation" (KSF). This small organization, founded in 1996, serves as a case study for applying microfinance-adjusted analytical assessment tools. This is done from the perspective of a potential investor or donor of funds. The report is structured the following: First, we will give a brief overview of the microfinance operational environment in Ghana to lay the basis for the analysis. Secondly, we will present KSF with its history, mission, and current situation. This qualitative assessment will then be furthered by applying the "CAMEL" methodology which is tailored to microfinance institutions. By looking at capital adequacy, asset quality, management, earnings, and liquidity risk, we aim at providing a comprehensive picture of the MFI's health despite the very limited data available. Furthermore, we attempt to complement the analysis by using Accion's Social Indicators as far as information about KSF could be obtained. In a concluding summary, we will state which results the assessment yielded, and more importantly, what our investment decision as prospective investor or donor would be.
Author : R. Mersland
Publisher : Springer
Page : 329 pages
File Size : 31,12 MB
Release : 2015-12-11
Category : Business & Economics
ISBN : 113739966X
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.
Author : Joseph Ato Forson
Publisher : GRIN Verlag
Page : 82 pages
File Size : 34,77 MB
Release : 2013-07-16
Category : Business & Economics
ISBN : 3656341605
Research Paper (undergraduate) from the year 2008 in the subject Economics - Finance, grade: none, , language: English, abstract: This study sought to investigate into the roles being played by MFIs as far the operation of SMEs are concern. The researcher used questionnaires and interviews to collect data from 66 respondents (see appendix 3 pg. 84). From the research it was revealed that during the 2007 fiscal year alone, GCSL and FASL paid over GH¢54,846,273.00 as loans to SMEs as against GH¢197,675.00 mobilised through savings. In other to reach out to more customers, additional branches have been opened in new Tafo, Bantama, Tanoso and Adum. The research also revealed that these MFIs have an effective way of recovering loans with an appreciable rate varying between 90.2% - 96.6%. Though this is encouraging, it has been argued that these rates fall below the international standard of measuring micro finance recovery rate which is 98%. This has accounted for the increasingly falling rate of total loan grants. On the impact of MFIs on poverty reduction, it was established that there has been a positive impact with about 85% of those interviewed admitting they are able to access certain facilities that hitherto they found difficult. The income earnings has considerable increased per week as against the standard of measurement set in the GPRS I (2000), which recognizes all earners of income less than GH90.00 per annum to be poor. Aside the monetary indicators, respondents are also able to meet some of the social indicators of poverty. These improvements were attainable through the additional services provided by these MFIs. According to the research, aside its lending role, it also act in an advisory capacity teaching clients basic accounting book keeping and sound financial management. This has helped in expanding the operation of SMEs and discovery of auxiliary ventures.