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Microfinance Efficiency: Trade-Offs and Complementarities between the Objectives of Microfinance Institutions and Their Performance Perspectives

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  • Samuel Kobina Annim

    () (University of Central Lancashire, Preston, UK.)

Abstract

Dans le contexte des objectifs multiples des institutions de microfinance (IMFs), cet article teste deux hypothèses. Nous soutenons, premièrement, qu’il existe un compromis entre les objectifs sociaux des IMFs et leur efficacité financière. Deuxièmement, nous considérons qu’il y a complémentarité entre l’environnement externe (informations sur le crédit, droits de propriété, développement financier) et l’efficacité sociale des IMFs. En nous appuyant sur des données de panel équilibrées relatives à 164 IMFs, couvrant la période de 2004 à 2008 et issues de la plateforme Microfinance Information Exchange, nous mobilisons des méthodes paramétriques et non paramétriques d’estimation de l’efficacité. L’étude montre que quand elles doivent être rentables, les IMFs n’atteignent pas les plus pauvres alors qu’elles arrivent à leur venir en aide quand elles ont un objectif de performance sociale. Nous constatons également que la lourdeur bureaucratique caractérisant la procédure d’enregistrement de propriété, ainsi que le manque d’informations sur la solvabilité des emprunteurs ont un effet négatif sur l’efficacité sociale des IMFs. Au vu de ce qui précède, un rôle effectif des institutions externes ainsi que l’élimination des barrières à l’information sont nécessaires pour réduire la pauvreté à travers l’intervention de la microfinance.

Suggested Citation

  • Samuel Kobina Annim, 2012. "Microfinance Efficiency: Trade-Offs and Complementarities between the Objectives of Microfinance Institutions and Their Performance Perspectives," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 24(5), pages 788-807, December.
  • Handle: RePEc:pal:eurjdr:v:24:y:2012:i:5:p:788-807
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    Citations

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    Cited by:

    1. Md Aslam Mia & Shamima Nasrin & Zhang Cheng, 2016. "Quality, quantity and financial sustainability of microfinance: Does resource allocation matter?," Quality & Quantity: International Journal of Methodology, Springer, vol. 50(3), pages 1285-1298, May.
    2. B. Mak Arvin & Byron Lew (ed.), 2015. "Handbook on the Economics of Foreign Aid," Books, Edward Elgar Publishing, number 15762.
    3. Maxime LEBOVICS & Niels HERMES & Marek HUDON, 2016. "Are Financial And Social Efficiency Mutually Exclusive? A Case Study Of Vietnamese Microfinance Institutions," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 87(1), pages 55-77, December.
    4. Md. Abul Kalam Azad & Abdul Kadar Muhammad Masum & Susila Munisamy & Dilruba Fatima Sharmin, 2016. "Efficiency analysis of major microfinance institutions in Bangladesh: a Malmquist index approach," Quality & Quantity: International Journal of Methodology, Springer, vol. 50(4), pages 1525-1537, July.

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