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Access for all : building inclusive financial systems
Unlock the transformative power of microfinance for global poverty reduction.This insightful title explores how to build inclusive financial systems that empower the poor and drive economic growth in developing countries.Drawing on a decade of CGAP experience, it offers a comprehensive framework for expanding access to financial services for all.
eBook
Measuring Social Performance in Social Enterprises: A Global Study of Microfinance Institutions
Social enterprises in the microfinance industry need to adhere to both financial and social demands. Critics argue that there is a mission drift away from the social mission, and this has motivated the introduction of social rating agencies to strengthen the business ethics of microfinance institutions (MFIs). Using a global dataset of 204 socially rated MFIs from 58 countries, we assess the factors that drive the social performance ratings of MFIs. Overall our results show that social ratings of MFIs are significantly related to financial performance, greater outreach especially in rural areas, well-defined social objectives, staff commitment, service quality and an enhanced customer service. We observe that various rating agencies attach different importance to each of the social indicators. The public policy implication is that social rating agencies need to become more transparent, to reduce the information asymmetries between heterogenous socially motivated investors and the focal MFI.
Journal Article
Microcredit guarantee funds in the Mediterranean : a comparative analysis
\"Microfinance/microcredit today is facing two challenges. Firstly, it needs be more economically and financially sustainable. Secondly, it needs to increase its outreach in order to have a more significant impact on poorer areas of the world. Access to credit for the poorest people is a trade-off between economic and financial sustainability and the spread of activity. Greater innovation in processes and products is required in order to reduce transactional costs and informational asymmetries, extend the term structure of contracts and provide suitable assessment and risk management in the microfinance sector. This book offers a comprehensive comparative analysis of the most significant models of microcredit guarantee funds adopted in three South European countries (Italy, France, Spain) and in three North African countries (Morocco, Tunisia, Egypt). It provides a clear picture of microcredit guarantee funds in each country, focusing on three keys areas: analysis of the regulatory framework, mapping of microcredit institutions and analysis of the main features of guarantee funds. The authors highlight the strengths and weaknesses of the microcredit guarantee system and provide regulatory or operative solutions which may improve the economic sustainability of microcredit institutions and, ultimately, contribute to facilitating access to credit for microenterprises and the microborrower. The book will be a valuable resource for supervisors, microcredit institutions, guarantee intermediaries and financial intermediaries\"-- Provided by publisher.
Book
Islamic Microfinance Institution Assistance Model in the Covid-19 Pandemic
Introduction: Sharia Microfinance Institutions in the form of Baitul Mal wa Tamwil (BMT) is a form of financial inclusion that plays an important role in the development of micro and small businesses. Its main activity is to raise member funds in the form of deposits and redistribute them in the form of microfinance. During the covid 19 era, almost all of its members were affected, causing operational disruptions. Purpose: This study aims to analyze the impact of covid 19 on BMT and members as well as the social assistance model carried out until December 2021. Methodology: Determination of the sample using porpusive sampling with respondents as many as 43 BMT spread across Sumatra, Java and Sulawesi. The three islands were chosen because they became the center of BMT's growth. The data collection method uses google form, while the data analysis uses qualitative descriptive analysis. Findings: The results of the analysis show that covid 19 has a direct impact on BMT's performance by an average of 8.4%, in the form of a decrease in financing installments, deposits and profits as well as an increase in non-performing financing. Although BMT's performance has decreased, its social role has increased in the form of social assistance, such as relaxation of financing, member education and facilitation of marketing of member products through social media, and the provision of basic social assistance.
Journal Article
Financial markets and trading : an introduction to market microstructure and trading strategies
\"Financial Markets and Trading Strategies covers three main parts: Market organization and microstructure theory, which will contain an overview of modern financial markets for equities, FX, and fixed income. There will be a description on various market types and market price formation with different types of traders and orders. Major theoretical microstructure models will be presented, as also concepts of the agent-based modeling of financial markets and important empirical properties of equity and FX markets. Common trading strategies and back-testing will summarize the concepts used in technical analysis and arbitrage trading (such as pairs trading and mean-reversion strategies). There will be a description of performance criteria and back-testing of trading strategies with re-sampling techniques and an outline of other ideas used in optimal order execution, such as optimal order slicing and maker-versus-taker strategies. The appendix will include Probability distributions and time series analysis. For self-contained presentation, there will be a description of the mathematical methods used in formulating trading strategies and their back-testing. There will be a focus on the linear regression, autoregressive and moving average models, trends, co-integration, and conditional heteroskedasticity. There will also be an introduction to resampling techniques, such as bootstrap and MCMC\"-- Provided by publisher.
Book
Efficiency and Effectiveness Evaluation of Micro-credit Programme in Transforming Rural Women Entrepreneurs: Experiences from Balasore District of Odisha
The micro-credit programme was introduced with multi-dimensional objectives and therefore was always under direct purview of various government agencies. Microfinance in Odisha works under umbrella of Mission Shakti and TRIPTI (a world bank initiated project). Balasore district is selected on the basis of MFPI index taking into consideration the saving, credit linkage and credit-deposit ratio indicators. The analysis had shown positive impact of programme on various economic, social and decision making dimensions. The linked financial institutions have undertaken SHGs as their major customers and therefore positive impact on loan disbursement and recovery rate is observed.
Journal Article
Microcredit and women's empowerment : a case study of Bangladesh
\"Using the case study of Bangladesh and based on a long term participatory observation method, this book investigates the claims of the success of microcredit, as well as the critiques of it in the context of women's empowerment. It confronts the distinction between women's increasing wealth as a consequence of the success of microcredit programmes and their apparent not-commensurate empowerment, and looks at two organisations operating in two localities in rural Bangladesh in order to discover how these concepts are often confused. The book goes on to establish that the success stories of the microcredit programme are blown out of proportion, and that the dynamics of collective responsibility for repayment of loans by a group of women borrowers - usually seen to be a tool for success of microcredit - is in fact no less repressive than traditional debt collectors. It is a worthwhile contribution to development debates, challenging adherents to more closely specify those conditions under which microcredit does indeed have validity, as well as providing useful research for South Asian Studies and Development Studies\"-- Provided by publisher.
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