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Microfinance institutions and efficiency

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Author Info
Gutiérrez-Nieto, Begoña
Serrano-Cinca, Carlos
Mar Molinero, Cecilio

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Abstract

Microfinance Institutions (MFIs) are special financial institutions. They have both a social nature and a for-profit nature. Their performance has been traditionally measured by means of financial ratios. The paper goes beyond simple financial ratios using a data envelopment analysis (DEA) approach to measure the efficiency of MFIs. Special care is taken in the specification of the DEA model. We take a methodological approach based on multivariate analysis. We rank DEA efficiencies under different models and specifications; e.g. particular sets of inputs and outputs. This serves to explore what is behind a DEA score. The results show that we can explain MFIs efficiency by means of four principal components of efficiency, and this way we are able to understand differences between DEA scores. It is shown that there are country effects on efficiency; and effects that depend on non-governmental organization (NGO)/non-NGO status of the MFI.

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File URL: http://www.sciencedirect.com/science/article/B6VC4-4GG2JNY-1/2/ba33c6b108b534f7e8a59bbd84b624b9
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Publisher Info
Article provided by Elsevier in its journal Omega.

Volume (Year): 35 (2007)
Issue (Month): 2 (April)
Pages: 131-142
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Handle: RePEc:eee:jomega:v:35:y:2007:i:2:p:131-142

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Related research
Keywords: DEA Efficiency Banking Operations management Microfinance Microcredit;

Cited by:
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  1. Marek Hudon, 2006. "Subsidies and financial performances of the microfinance institutions: Does management matter?," Working Papers CEB 05-015.RS, Université Libre de Bruxelles, Solvay Brussels School of Economics and Management, Centre Emile Bernheim (CEB). [Downloadable!]
  2. Mersland, Roy & Strøm, Reidar Øystein, 2007. "Performance and corporate governance in microfinance institutions," MPRA Paper 3887, University Library of Munich, Germany. [Downloadable!]
  3. Mersland, Roy & Strøm, Reidar Øystein, 2007. "Performance and corporate governance in microfinance institutions," MPRA Paper 3888, University Library of Munich, Germany. [Downloadable!]
  4. Ben Bassem, 2008. "Efficiency of Microfinance Institutions in the Mediterranean: An Application of DEA," Transition Studies Review, Springer, vol. 15(2), pages 343-354, September. [Downloadable!] (restricted)
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