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Integrating Gender Perspectives in Evaluating the Efficiency of COFI: The Case of Credit Cooperatives in the Philippines

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Author Info
Manlagnit, Ma. Chelo V.
Lamberte, Mario B.

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Abstract

This paper first examines the extent of cost and profit inefficiencies of the Philippine credit cooperative system using stochastic frontier analysis (SFA). Then, it looks into the effects of certain variables on the cost and profit efficiencies of credit cooperatives. Three groups of correlates of inefficiency were used: market characteristics, agency costs and gender governance. Results suggest that market conditions can explain to a certain extent the differences in the efficiency among credit cooperatives. However, the correlates of agency costs do not have a clear-cut effect on the efficiency of credit cooperatives. What is more significant though in this study is the effect on efficiency of women participation in the governance of credit cooperatives. The correlates of gender governance indicate that empowering women not only through enhancing their access to credit but also through increasing their participation in shaping policies can improve the efficiency of credit cooperatives. Results seem to suggest that credit cooperatives that are managed predominantly by women would likely pursue greater cost efficiency than profit efficiency.

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Paper provided by Philippine Institute for Development Studies in its series Discussion Papers with number DP 2003-06.

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Length: 34
Date of creation: 2003
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Handle: RePEc:phd:dpaper:dp_2003-06

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Related research
Keywords: agency costs; efficiency; gender governance; stochastic frontier;

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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
  1. Allen N. Berger & David B. Humphrey, 1997. "Efficiency of Financial Institutions: International Survey and Directions for Future Research," Center for Financial Institutions Working Papers 97-05, Wharton School Center for Financial Institutions, University of Pennsylvania. [Downloadable!]
    Other versions:
  2. Vander Vennet, Rudi, 2002. "Cost and Profit Efficiency of Financial Conglomerates and Universal Banks in Europe," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 34(1), pages 254-82, February.
  3. Llanto, Gilberto M., 1994. "The Financial Structure and Performance of Philippine Credit Cooperatives," Discussion Papers DP 1994-04, Philippine Institute for Development Studies. [Downloadable!]
  4. Schmidt, Peter & Knox Lovell, C. A., 1979. "Estimating technical and allocative inefficiency relative to stochastic production and cost frontiers," Journal of Econometrics, Elsevier, vol. 9(3), pages 343-366, February. [Downloadable!] (restricted)
  5. Allen N. Berger & Robert DeYoung, 1997. "Problem loans and cost efficiency in commercial banks," Finance and Economics Discussion Series 1997-8, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!]
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  6. Altunbas, Yener & Evans, Lynne & Molyneux, Philip, 2001. "Bank Ownership and Efficiency," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 33(4), pages 926-54, November.
  7. Hossain, Mahabub & Diaz, Catalina P., 1997. "Reaching the Poor with Effective Microcredit: Evaluation of a Grameen Bank Replication in the Philippines," Philippine Journal of Development, Philippine Institute for Development Studies, vol. 0, pages 275-307. [Downloadable!]
  8. Lamberte, Mario B. & Graham, Douglas H. & Relampagos, Julius P., 1990. "Credit Unions: An Underrated Mode of Mobilizing and Allocating Resources in Rural Areas," Working Papers WP 1990-21, Philippine Institute for Development Studies. [Downloadable!]
  9. Akella, Srinivas R. & Greenbaum, Stuart I., 1988. "Savings and loan ownership structure and expense-preference," Journal of Banking & Finance, Elsevier, vol. 12(3), pages 419-437, September. [Downloadable!] (restricted)
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Cited by:
(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  1. Manlagnit, Ma. Chelo V. & Lamberte, Mario B., 2004. "Evaluating the Impacts of Competition Policy Reforms on the Efficiency of Philippine Commercial Banks," Discussion Papers DP 2004-46, Philippine Institute for Development Studies. [Downloadable!]
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