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Combined Micro-Finance: Selected Research Questions from a Stakeholder Point of View

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  • Koen Rossel-Cambier

Abstract

There is a growing interest in combined micro-finance schemes delivering both micro-insurance and micro-credit products to provide a more comprehensive response to existing market failures often leading to a lack of access to financial services for excluded populations. Despite its increasingly widespread practice, the issue of combined micro-finance has received relatively little attention and various specific research questions remain underexplored such as: Does combining credit and insurance services improve or weaken overall organisational performance of micro-finance schemes? Does the combining of micro-finance services lead to more inclusion or to more exclusion of the poor? and; Are combined micro-finance schemes enhancing or challenging donor effectiveness? This paper builds on a literature review and is a first conceptual attempt to bring forward the specific characteristics of combined micro-finance schemes. It argues for a more formative evaluation approach towards combining micro-finance schemes. Market dynamics and interventions of the key players and stakeholders of combined micro-finance should aim at becoming most efficient, allowing maximum socio-economic benefits and efficiency, taking into account the different challenges of reaching the poor.

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Bibliographic Info

Paper provided by ULB -- Universite Libre de Bruxelles in its series Working Papers CEB with number 08-004.RS.

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Length: 34 p.
Date of creation: 2008
Date of revision:
Publication status: Published by:
Handle: RePEc:sol:wpaper:08-004

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References

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  1. Marc Labie, 2004. "Microfinance : un état des lieux," Mondes en développement, De Boeck Université, vol. 126(2), pages 9-23.
  2. Bastiaensen, Johan & Herdt, Tom De & D'Exelle, Ben, 2005. "Poverty reduction as a local institutional process," World Development, Elsevier, vol. 33(6), pages 979-993, June.
  3. Brigit Helms, 2006. "Access for All : Building Inclusive Financial Systems," World Bank Publications, The World Bank, number 6973, October.
  4. Cull, Robert & Demirguc-Kunt, Asli & Morduch, Jonathan, 2006. "Financial performance and outreach : a global analysis of leading microbanks," Policy Research Working Paper Series 3827, The World Bank.
  5. Beatriz Armendariz & Jonathan Morduch, 2007. "The Economics of Microfinance," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262512017, December.
  6. Marc Labie & Marthe Nyssens & Pascal Wele, 2007. "Microfinance et micro-assurance santé: réflexions sur des articulations possibles à partir de quelques expériences au Bénin et au Burkina Faso," ULB Institutional Repository 2013/14275, ULB -- Universite Libre de Bruxelles.
  7. Rajeev Ahuja & Johannes Jutting, 2004. "Are the poor too poor to demand health insurance?," Indian Council for Research on International Economic Relations, New Delhi Working Papers 118, Indian Council for Research on International Economic Relations, New Delhi, India.
  8. Koen Rossel-Cambier & Tom Olsen & Niloufar Pourzand, 2007. "Investing in knowledge for evidence-based social policies for children: two case studies of knowledge dissemination initiatives in the Eastern Caribbean," Working Papers CEB 07-040.RS, ULB -- Universite Libre de Bruxelles.
  9. Cécile Lapenu & Manfred Zeller & Martin Greely & Renée Chao-Béroff & Koenraad Verhagen, 2004. "Performances sociales : Une raison d'être des institutions de microfinance et pourtant encore peu mesurées. Quelques pistes," Mondes en développement, De Boeck Université, vol. 126(2), pages 51-68.
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Cited by:
  1. Marianne, Ojo, 2013. "Role of regulation in micro finance: application of the Micro Savings Requirement Scheme in informal sectors," MPRA Paper 52558, University Library of Munich, Germany, revised 29 Dec 2013.
  2. Koen Rossel-Cambier, 2011. "Understanding the Dynamics of Product Diversification on Microfinance Performance Outcomes: A Case Study in Barbados," Working Papers CEB 11-008, ULB -- Universite Libre de Bruxelles.
  3. Isabelle Agier & Ariane Szafarz, 2011. "Credit to Women Entrepreneurs: The Curse of the Trustworthier Sex," Working Papers CEB 11-005, ULB -- Universite Libre de Bruxelles.
  4. Ojo, Marianne, 2013. "Role of regulation in micro finance: jurisdictional analysis," MPRA Paper 49927, University Library of Munich, Germany.
  5. Koen Rossel-Cambier, 2011. "Is Combined Microfinance an Instrument to enhance Sustainable Pro-Poor Public Policy Outcomes?," Working Papers CEB 11-013, ULB -- Universite Libre de Bruxelles.
  6. Marianne, Roedl, 2013. "Role of regulation and micro finance in Africa, Asia and Latin America," MPRA Paper 51177, University Library of Munich, Germany.

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