nep-mfd New Economics Papers
on Microfinance
Issue of 2012‒07‒08
six papers chosen by
Olivier Dagnelie
Instituto de Analisis Economico, CSIC

  1. Income related inequality in financial inclusion and role of banks: Evidence on financial exclusion in India By Rama Pal; Rupayan Pal
  2. EFFICACITE DES INSTITUTIONS DE MICROFINANCE EN UEMOA : UNE APPROCHE OUTREACH-INTERMEDIATION FINANCIERE By Sandrine Kablan
  3. Impact of Mobile Phone-based Money Transfer Services in Agriculture: Evidence from Kenya By Kirui, Oliver K.; Okello, Julius Juma; Nyikal, Rose Adhiambo
  4. Determinants of Use and Intensity of Use of Mobile Phone-based Money Transfer Services in Smallholder Agriculture: Case of Kenya By Kirui, Oliver K.; Okello, Julius Juma; Nyikal, Rose Adhiambo
  5. Microinsurance in Brazil, Colombia, Mexico, and Peru By Sheirin Iravantchi; Mark D. Wenner
  6. Enhancing Financial Services through Portfolio-Level Disaster Insurance By Collier, Benjamin; Skees, Jerry R.

  1. By: Rama Pal (Tata Institute of Social Sciences); Rupayan Pal (Indira Gandhi Institute of Development Research)
    Abstract: This paper analyzes income related inequality in financial inclusion in India using a representative household level survey data, linked to State-level factors. It shows that (a) the extent of financial exclusion is quite severe among households across all income groups, (b) income related inequality in financial inclusion varies widely across sub-national regions in India, but it is quite high in most of the cases, (c) income related inequality in financial inclusion cannot be considered as synonymous to income inequality. A notable result is that greater availability of banking services fosters financial inclusion, particularly among the poor. This paper also provides estimates of the effects of various socio, economic and demographic characteristics of households on propensity of a household to use formal financial services, and compare that for rural and urban sectors.
    Keywords: Financial inclusion, inequality, concentration index, banks
    JEL: D3 O16 O17 G2 G21
    Date: 2012–06
    URL: http://d.repec.org/n?u=RePEc:ind:igiwpp:2012-013&r=mfd
  2. By: Sandrine Kablan (ERUDITE - Equipe de Recherche sur l'Utilisation des Données Individuelles Temporelles en Economie - Université Paris XII - Paris Est Créteil Val-de-Marne : EA437 - Université Paris Est Marne-la-Vallée)
    Abstract: Notre étude se propose de mesurer l'efficacité des institutions de microfinance (IMFs) en UEMOA, en utilisant la méthode DEA (Data Envelopment Analysis). C'est la première étude qui considère à la fois la fonction d'intermédiaire et d'outreach des IMFs. Nous trouvons une efficacité moyenne très faible de 50% en rendement d'échelle constant et de 63% en rendement d'échelle croissant. La baisse de l'efficacité sur la décennie 2000-2010, pour l'ensemble de la zone, s'explique par les difficultés rencontrées par le secteur de la microfinance qui ont conduit à la fermeture de nombreuses institutions, ou à une détérioration des indicateurs d'outreach dans les pays tels que la Côte d'Ivoire, le Sénégal et le Bénin. La bonne gestion financière et de portefeuille, les subventions ont un impact positif sur l'efficacité tandis que la taille et la formation ont un impact négatif.
    Keywords: efficacité, microfinance, outreach, programmes de réformes, soutenabilité, UEMOA.
    Date: 2012–04–30
    URL: http://d.repec.org/n?u=RePEc:hal:wpaper:halshs-00710206&r=mfd
  3. By: Kirui, Oliver K.; Okello, Julius Juma; Nyikal, Rose Adhiambo
    Abstract: Information Communication Technology (ICT)
    Keywords: Mobile phones, Money Transfer, M-PESA, Impact, Smallholder Farmers, Kenya, Agribusiness, Agricultural and Food Policy, Food Security and Poverty, Marketing, Research and Development/Tech Change/Emerging Technologies,
    Date: 2012
    URL: http://d.repec.org/n?u=RePEc:ags:iaae12:125738&r=mfd
  4. By: Kirui, Oliver K.; Okello, Julius Juma; Nyikal, Rose Adhiambo
    Abstract: Information Communication Technology (ICT)
    Keywords: Mobile phones, money transfer M-PESA m-banking services, use, intensity of use/adoption, smallholder farmers, Kenya, Agribusiness, Agricultural and Food Policy, Agricultural Finance, Marketing, Production Economics, Research and Development/Tech Change/Emerging Technologies, Research Methods/ Statistical Methods,
    Date: 2012
    URL: http://d.repec.org/n?u=RePEc:ags:iaae12:125739&r=mfd
  5. By: Sheirin Iravantchi; Mark D. Wenner
    Abstract: The microinsurance market in Latin America is still in its embryonic phase. The purpose of this technical note is to better inform donors, national governments, and insurance companies interested in promoting financial inclusion about how they can accelerate the development of microinsurance markets. Four countries -Brazil, Colombia, Mexico, and Peru- are reviewed to glean lessons learned about paths taken to develop these markets and the interaction of key stakeholders.
    Keywords: Financial Sector :: Financial Markets, Financial Sector :: Financial Services, Economics :: Economic Development & Growth, financial inclusion
    JEL: G22 G28 O57
    Date: 2012–06
    URL: http://d.repec.org/n?u=RePEc:idb:brikps:73198&r=mfd
  6. By: Collier, Benjamin; Skees, Jerry R.
    Abstract: Financial intermediaries [FIs] in developing and emerging economies are poorly equipped to manage natural disasters. These events create losses for FIs, eroding capital reserves and compromising their ability to lend. Portfolio-level insurance against disasters can improve FI management of these events. We model microfinance intermediaries [MFIs] exposed to severe El Niño in Peru that can now insure against this disaster risk. Our analyses suggest that insurance allows these lenders to manage this risk more efficiently and effectively. These risk management improvements can translate into better financial performance, expansion of banking service outreach, lower interest rates, and reduced volatility in access to credit. Based on these analyses, a large MFI in Peru with which we collaborated is now managing its disaster risk using El Niño insurance.
    Keywords: Financial Economics, Public Economics,
    Date: 2012–08
    URL: http://d.repec.org/n?u=RePEc:ags:iaae12:125535&r=mfd

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