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Performance Analysis For A Sample Of Microfinance Institutions In India

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Author Info
Alain de CROMBRUGGHE
Michel TENIKUE
Julie SUREDA

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Abstract

We use regression analysis to study the determinants of self-sustainability of a sample of microfinance institutions in India. These institutions stand out by their ability and willingness to report financial and operational data to Sa Dhan, a know-how sharing organization. We investigate particularly three aspects of sustainability: cost coverage by revenue, repayment of loans and cost-control. Our results suggest that the challenge of covering costs on small and partly unsecured loans can indeed be met, without necessarily increasing the size of the loans or raising the monitoring cost. The analysis suggests other ways to improve the financial results, like a better targeting of the interest rate policy or increasing the number of borrowers per field officer especially in collective delivery models. Copyright © 2008 The Authors Journal compilation © CIRIEC 2008.

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Article provided by Blackwell Publishing in its journal Annals of Public and Cooperative Economics.

Volume (Year): 79 (2008)
Issue (Month): 2 (06)
Pages: 269-299
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Handle: RePEc:bla:annpce:v:79:y:2008:i:2:p:269-299

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  1. Annabel Vanroose & Bert D’Espallier, 2009. "Microfinance and Financial Sector Development," Working Papers CEB 09-040.RS, Université Libre de Bruxelles, Solvay Brussels School of Economics and Management, Centre Emile Bernheim (CEB). [Downloadable!]
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