IDEAS home Printed from https://ideas.repec.org/a/pal/eurjdr/v24y2012i5p788-807.html
   My bibliography  Save this article

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

Author

Listed:
  • 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
    as

    Download full text from publisher

    File URL: http://www.palgrave-journals.com/ejdr/journal/v24/n5/pdf/ejdr201160a.pdf
    File Function: Link to full text PDF
    Download Restriction: Access to full text is restricted to subscribers.
    File URL: http://www.palgrave-journals.com/ejdr/journal/v24/n5/full/ejdr201160a.html
    File Function: Link to full text HTML
    Download Restriction: Access to full text is restricted to subscribers.
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Debdatta Pal & Subrata K. Mitra, 2018. "The efficiency of microfinance institutions with problem loans: A directional distance function approach," Computational and Mathematical Organization Theory, Springer, vol. 24(3), pages 285-307, September.
    2. Delaram Najmaei Lonbani & Bram De Rock, 2020. "The performance of microfinance institutions: An analysis of the local and legal constraints," Working Papers CEB 20-011, ULB -- Universite Libre de Bruxelles.
    3. Sefa Awaworyi Churchill, 2020. "Microfinance financial sustainability and outreach: is there a trade-off?," Empirical Economics, Springer, vol. 59(3), pages 1329-1350, September.
    4. B. Mak Arvin & Byron Lew (ed.), 2015. "Handbook on the Economics of Foreign Aid," Books, Edward Elgar Publishing, number 15762.
    5. Giovanna Aguilar & Jhonatan Portilla, 2020. "Determinants of Market Power in the Peruvian Regulated Microfinance Sector," Journal of Industry, Competition and Trade, Springer, vol. 20(4), pages 657-688, December.
    6. Prabhjot Kaur, 2016. "Efficiency of Microfinance Institutions in India: Are They Reaching the Poorest of the Poor?," Vision, , vol. 20(1), pages 54-65, March.
    7. 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.
    8. Liu, Aiping & Urquía-Grande, Elena & López-Sánchez, Pilar & Rodríguez-López, Ángel, 2022. "How technology paradoxes and self-efficacy affect the resistance of facial recognition technology in online microfinance platforms: Evidence from China," Technology in Society, Elsevier, vol. 70(C).
    9. Edgar E. Twine & Elizaphan J. O. Rao & Isabelle Baltenweck & Amos O. Omore, 2019. "Are Technology Adoption and Collective Action Important in Accessing Credit? Evidence from Milk Producers in Tanzania," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 31(3), pages 388-412, July.
    10. Begum Ismat Ara Huq & Md. Abul Kalam Azad & Abdul Kadar Muhammad Masum & Peter Wanke & Md. Azizur Rahman, 2017. "Examining the Trade-off Between Social Outreach and Financial Efficiency: Evidence from Micro-finance Institutions in South Asia," Global Business Review, International Management Institute, vol. 18(3), pages 617-628, June.
    11. Niels Hermes & Marek Hudon, 2018. "Determinants Of The Performance Of Microfinance Institutions: A Systematic Review," Journal of Economic Surveys, Wiley Blackwell, vol. 32(5), pages 1483-1513, December.
    12. Mahinda Wijesiri & Almudena Martínez-Campillo & Peter Wanke, 2019. "Is there a trade-off between social and financial performance of public commercial banks in India? A multi-activity DEA model with shared inputs and undesirable outputs," Review of Managerial Science, Springer, vol. 13(2), pages 417-442, April.
    13. Syed Mohsin & Malik Fahim Bashir & Yasir Bin Tariq, 2018. "Outreach and Performance Analysis of Microfinance Banks in Pakistan," Business & Economic Review, Institute of Management Sciences, Peshawar, Pakistan, vol. 10(3), pages 21-40, September.
    14. Hermes, Cornelis & Hudon, M., 2018. "Determinants of the Performance of Microfinance Institutions: A Systematic Review," Research Report 2018008, University of Groningen, Research Institute SOM (Systems, Organisations and Management).

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:pal:eurjdr:v:24:y:2012:i:5:p:788-807. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.palgrave-journals.com/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.