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on Microfinance |
| By: | Florent Bédécarrats (AFD Paris, France); Isabelle Guérin (IRD CESSMA); François Roubaud (DIAL-LEDa, IRD, Université Paris-Dauphine, PSL Université) |
| Abstract: | Microcredit has long stood as a flagship topic for RCTs in development, starting with the publication of a special issue in a leading economics journal on six RCTs conducted in different world regions. This special issue was hailed as the first rigorous and conceivably definitive study on the impacts of microcredit. However, a detailed exploration of the implementation of these six RCTs reveals many limitations with respect to internal and external validity, ethics and interpretation. This paper uses analytical tools from statistics, political economy and development anthropology to discuss the extent to which the entire RCT chain strays from the ideal RCT principles (from sampling, data collection, data entry and recoding, estimates and interpretation to publication and dissemination of results). It also raises questions about the disparity between the academic and political success of this special issue and the many inconsistencies of method. |
| Keywords: | Randomized Control Trial (RCT), Microcredit, Developing countries, Internal validity, External validity, Statistics, Development anthropology, Political economy, Ethics. |
| JEL: | A11 A14 B41 C18 C93 N27 O16 |
| Date: | 2019–12 |
| URL: | http://d.repec.org/n?u=RePEc:dia:wpaper:dt201913&r=all |
| By: | Théogène Nsengiyumva (CREAM - Centre de Recherche en Economie Appliquée à la Mondialisation - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université - IRIHS - Institut de Recherche Interdisciplinaire Homme et Société - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université); Célestin Mayoukou (CREAM - Centre de Recherche en Economie Appliquée à la Mondialisation - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université - IRIHS - Institut de Recherche Interdisciplinaire Homme et Société - UNIROUEN - Université de Rouen Normandie - NU - Normandie Université) |
| Abstract: | L'objectif de cet article est d'identifier d'une part, les facteurs explicatifs du faible financement des microentreprises par les IMF et d'autre part,les facteurs explicatifs de la faible utilisation des produits financiers des IMF par les microentreprises. En utilisant le modèle probit et à partir des données d'une enquête réalisée auprès de 221 microentrepreneurs clients des IMF au Burundi, les résultats économétriques révelent que certaines caractéristiques des microentrepreneurs les empêchent à utiliser plus intensément les microcrédits des IMF. Parmi ces facteurs, nous pouvons citer par exemple la nature de l'hypothèque, l'âge de l'entrepreneurs, et d'autres empêchent les IMF à financer les microentrerises. C'est le cas de la nature du projet à financer, le niveau de formation de l'entrepreneur, le profil de celui-ci. D'autres facteurs encore sont pris en compte non seulement au moment de la demande d'un prêt, mais aussi dans le cas de l'accès. C'est le cas du niveau de richesse de l'entrepreneur. |
| Keywords: | microentreprise,Burundi,Microfinance,crédit,microentrepreneurs |
| Date: | 2019–12 |
| URL: | http://d.repec.org/n?u=RePEc:hal:journl:hal-02336377&r=all |
| By: | Naseer, Imran; Azam, Amir |
| Abstract: | Many of the developing and advanced economies are focusing on the improvement of Microfinance Institute Performance because most of the studies and empirical results support the existence of significant positive relationship between Microfinance Institute Performance and Index of Financial Inclusion and both have significant positive impact on Economic Growth and its one of the basic goal and objective of the economies to attain sustainable economic growth. Through the current study it is being tried to find the relationship between microfinance institute performance, financial inclusion and economic growth in South Asian economies using Panel data from 2009-2017 using Common Random Effect, Random and Fixed effect Model. The findings show that there is strong positive relationship between Micro finance Institute Performance, Financial Inclusion and Economic Growth. Therefore the developing economies specially Pakistan whose most of economic indicators are showing declining position can sustain their economic growth through proper utilization of Micro finance Institution Performance. |
| Keywords: | Micro finance Institute, Index of Financial Inclusion, Economic Growth, South Asian Region |
| JEL: | G23 G28 |
| Date: | 2019–08–28 |
| URL: | http://d.repec.org/n?u=RePEc:pra:mprapa:97633&r=all |
| By: | Kamaluddin, Amrizah; Kassim, Nawal; Alam, Md. Mahmudul (Universiti Utara Malaysia); Abu Samah, Siti Akmar |
| Abstract: | To identify the human capital construct that significantly relates to the performance of Islamic organizations, this study obtained data from Islamic microfinance organizations in Malaysia using the survey questionnaire method. In addition, we interviewed renowned scholars in the fields of Islamic accounting and Shariah law. Consequently, this study proposes an extended model of human capital that is applicable to Islamic organizations. Apart from knowledge and competency, this study includes spiritual value as another construct of human capital in Islamic organizations. Knowledge includes ideas that are relevant to the accounting and auditing spectra, as well as Shariah principles and jurisprudence. By contrast, competency refers to the ability to innovate unique Shariah-compliant products that are rare and difficult to imitate. Meanwhile, spiritual values embrace the elements of “Siddiq,” “Amanah,” “Fathonah,” and “Tabligh.” This study affirms that knowledge, competency, and satisfaction are the most significant constructs of human capital that explain performance. Factor analysis indicates that spiritual value is embedded in and forms part of the human capital construct. Hence, spiritual value is a key element in company culture and contributes significantly to organizational success. This model can be a platform for human capital reporting in the relevant Islamic and conventional organizations. |
| Date: | 2019–06–13 |
| URL: | http://d.repec.org/n?u=RePEc:osf:socarx:962yu&r=all |
| By: | Huda, Budi Rahmatul; Aziz, Nazaruddin |
| Abstract: | BMT is a micro finance institution that serves as an intermediary institution by collecting excess public funds to be channeled to communities in need of funds. Funds are made through savings made by pick up the ball, which is to take directly to the place of business customers regularly daily, weekly, and yearly. In this research, the research describes several variables that affect customer satisfaction that is cost, installment, service quality. Cost, installment, service quality is called with independent variable and customer satisfaction is called by bound variable. Through the research results obtained by researchers, the researchers draw the conclusion that through the F test explain the independent variables affect simultaneously to customer satisfaction because the sig value <0,05. While for independent variables tested individually through T test explain all independent variables significantly affect customer satisfaction by looking at the value of sig 0.000 <0,05, 0.000 <0,05 sig installment and sig value of service quality 0,001 <0,005. |
| Date: | 2019–02–23 |
| URL: | http://d.repec.org/n?u=RePEc:osf:osfxxx:m73j5&r=all |
| By: | Melaku Haile Likka; Shimeles Ololo Sinkie; Berhane Megerssa |
| Abstract: | Use of healthcare services is inadequate in Ethiopia in spite of the high burden of diseases. User-fee charges are the most important factor for this deficiency in healthcare utilization. Hence, the country is introducing community based and social health insurances since 2010 to tackle such problems. This study was conducted cross-sectionally, in March 2013, to assess willingness of rural households to pay for community-based health insurance in Debub Bench district of Southwest Ethiopia. Two-stage sampling technique was used to select 845 households. Selected households were contacted using simple random sampling technique. Double bounded dichotomous choice method was used to illicit the willingness to pay. Data were analyzed with STATA 11. Krinsky and Rob method was used to calculate the mean/median with 95% CI willingness to pay after the predictors have been estimated using Seemingly Unrelated Bivariate Probit Regression. Eight hundred and eight (95.6%) of the sampled households were interviewed. Among them 629(77.8%) households were willing to join the proposed CBHI scheme. About 54% of the households in the district were willing to pay either the initial or second bids presented. On average, these households were willingness to pay was 162.61 Birr per household (8.9 US$) annually. If the community based health insurance is rolled out in the district, about half of households will contribute 163 Birr (8.9 US$) annually. If the premium exceeds the amount specified, majority of the households would not join the scheme. Key words: community based health insurance, willingness to pay, contingent valuation method, double bounded dichotomous choice, Krinsky and Robb, rural households, Ethiopia. |
| Date: | 2019–12 |
| URL: | http://d.repec.org/n?u=RePEc:arx:papers:1912.04281&r=all |