Financial Performance and Outreach : A Global Analysis of Leading Microbanks  

Oleh:

Cull, Robert ; Demirguc-Kunt, Asli ; Morduch, Jonathan

Jenis: Article from Journal - ilmiah internasional
Dalam koleksi: The Economic Journal (EBSCO) vol. 117 no. 517 (Feb. 2007), page F107-F133.
Topik: FINANCIAL; financial performance; outreach; global analysis; microbanks
Fulltext: F107.pdf (600.6KB)

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: EE28.24 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Isi artikel

Microfinance promises to reduce poverty by employing profit - making banking practices in low - income communities. Many microfinance institutions have secured high loan repayment rates but, so far, relatively few earn profits. We examine why this promise remains unmet. We explore patterns of profitability, loan repayment, and cost reduction with unusually high - quality data on 124 institutions in 49 countries. The evidence shows the possibility of earning profits while serving the poor, but a trade - off emerges between profitability and serving the poorest. Raising fees to very high levels does not ensure greater profitability and the benefits of cost - cutting diminish when serving better - off customers.

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