nep-mfd New Economics Papers
on Microfinance
Issue of 2015‒12‒01
three papers chosen by
Olivier Dagnelie
Université de Caen

  1. Socially Disadvantaged Groups and Microfinance in India By Baland, Jean-Marie; Somanathan, Rohini; Vandewalle, Lore
  2. Analyzing the Mobile-Banking Adoption Process among Low-Income Populations: A Sequential Logit Model By François-Seck Fall; Yaya Ky; Ousmane Birba
  3. Efficience des institutions de microfinance en Bolivie et au Pérou :une approche Data Envelopment Analysis en deux étapes By Simon Cornée; Gervais Thenet

  1. By: Baland, Jean-Marie; Somanathan, Rohini; Vandewalle, Lore
    Abstract: In this paper we provide an empirical analysis of the social composition and performance of microfinance groups, known as Self-Help Groups, based on an original census we carried out in a poor area of Northern India. We examine whether traditionally disadvantaged villagers, such as scheduled tribes and landless farmers, are as likely to draw benefits from these SHGs as other villagers. While the initial participation in the groups closely reflects the social composition of the village, we find evidence of a selective attrition process against scheduled tribes who are less likely to remain members. Their expected access to bank loans - which is the primary aim of those groups - is also much more limited. By contrast, landless farmers are over-represented in these groups. As a result, even though they are more likely to leave the groups, they tend to benefit disproportionately from the SHGs. In expected terms, they receive more than two times the amount of bank loans given to other farmers. Overall, the program has therefore non trivial but important distributional implications.
    Keywords: india; microfinance; selective attrition; Self-Help Groups
    JEL: G21 O1
    Date: 2015–11
  2. By: François-Seck Fall (LEREPS - Laboratoire d'Etude et de Recherche sur l'Economie, les Politiques et les Systèmes Sociaux - UT1 - Université Toulouse 1 Capitole - UTM - Université Toulouse 2 Le Mirail - Institut d'Études Politiques [IEP] - Toulouse - École Nationale de Formation Agronomique - ENFA); Yaya Ky (CRES - Consortium pour la Recherche Economique et Sociale - University of Dakar); Ousmane Birba (CRES - Consortium pour la Recherche Economique et Sociale - University of Dakar)
    Abstract: The purpose of this study is to uncover the socioeconomic factors that explain the adoption of mobile banking (mbanking), based on data collected from households in the suburbs of Dakar (Senegal). Starting from the hypothesis that adopting an innovation goes through three stages, at each stage we identify the factors that explain adoption. In the first stage, that of "knowledge", the individual must know about the product and its uses. In the second stage, that of "possession", the person must test the product. If the product is accessible and its advantages are observable, he/she can finally adopt it in the last stage of the process. Therefore, the steps "knowledge" and "possession" are required passages in the adoption process. In this article, we use a sequential logit model to highlight the determinants at each level of this process. The results show that age was the only determining factor in the first stage of adoption, that is, "knowledge" of m-banking. In the second phase, other factors appeared in addition; cognitive factors came into play, such as literacy, education level, as well as financial factors such as membership in a ROSCA (rotating credit and savings scheme) that influenced the ‘possession' of m-banking. At the final stage of the adoption process, the variables education level, wages and owning a business were the factors involved in the adoption of m-banking.
    Keywords: Senegal,innovation adoption,Mobile banking, Low-income populations, Sequential Logit Model
    Date: 2015
  3. By: Simon Cornée; Gervais Thenet
    Abstract: Cet article consiste, tout d’abord, à mesurer de plusieurs manières l’efficience de 61 institutions de microfinance (IMF) boliviennes et péruviennes avec la méthode Data Envelopment Analysis. Nos résultats indiquent que les IMF examinées observent des niveaux d’efficience financière élevés et des scores d’efficience sociale plutôt faibles. Les scores d’efficience sont ensuite régressés sur une série de facteurs explicatifs des caractéristiques des IMF. Nous montrons que le statut juridique, la méthode de prêt, l’âge et la zone d’opération déterminent l’efficience sociale. En revanche, ces facteurs influencent de manière beaucoup plus limitée les scores des efficiences financière et globale.
    Keywords: Microfinance; Efficience; Performance Financière; Performance Sociale; Data Envelopment Analysis
    Date: 2015–10–13

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