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Publications

by alumni of

Universitetet i Agder → Handelshøyskolen

University of Agder → Business School

These are publications listed in RePEc written by alumni of the above institution who are registered with the RePEc Author Service and listed in the RePEc Genealogy. List of alumni. For a list of publications by current members of the department, see here. Register yourself.

This page is updated in the first days of each month.

| Working papers | Journal articles | Books | Chapters |

Working papers

2025

  1. Roger Aganze & Roy Mersland & Bert D’espallier & Kjetil Andersson, 2025, "Determinants of Sustainability of Informal Community-Based Financial Groups: Insights from a Survival Analysis Approach," Post-Print, HAL, number hal-05221049, DOI: 10.1080/00220388.2025.2487014.

2024

  1. Richard Sebaggala & Roy Mersland & Bert D'espallier, 2024, "Melting pot versus salad bowl: Exploring the effect of composition diversity on saving groups' performance," French Stata Users' Group Meetings 2024, Stata Users Group, number 09, Jun.
  2. Armande Mahabi Nabami & Anaëlle Petre & Roy Mersland, 2024, "Impact of climate change training intervention in savings groups," Post-Print, HAL, number hal-05221045, DOI: 10.1002/jid.3896.
  3. Tigist Woldetsadik Sommeno & Roy Mersland & Trond Randøy, 2024, "The impact of liability of foreignness on performance in hybrid organizations," Post-Print, HAL, number hal-05221048, DOI: 10.1016/j.intman.2024.101133.

2023

  1. Emma Bossuyt & Bert D’espallier & Roy Mersland, 2023, "Profit-Generating Entities or Cash-Management Vehicles? Unpacking the Financial Performance of Savings Groups Worldwide," Post-Print, HAL, number hal-05221042, DOI: 10.1177/27533743231201771.
  2. Kwame Ohene Djan & Samuel Anokye Nyarko & Roy Mersland & Leif Atle Beisland & Linda Nakato, 2023, "Influence of international ownership on the performance of local social enterprises: Evidence from the global microfinance industry," Post-Print, HAL, number hal-05221043, DOI: 10.1002/jsc.2536.
  3. R. Øystein Strøm & Bert D’espallier & Roy Mersland, 2023, "Female Leaders and Financial Inclusion: Evidence from Microfinance Institutions," Post-Print, HAL, number hal-05221044, DOI: 10.1561/114.00000036.

2022

  1. Leif Atle Beisland & Stephen Zamore & Roy Mersland, 2022, "Does It Pay to be Green? A Study of the Global Microfinance Industry," Post-Print, HAL, number hal-05221039, DOI: 10.1177/08997640221110209.
  2. Cécile Godfroid & Naome Otiti & Roy Mersland, 2022, "Employee tenure and staff performance: The case of a social enterprise," Post-Print, HAL, number hal-05221041, DOI: 10.1016/j.jbusres.2021.10.011.

2021

  1. Leif Atle Beisland & Kwame Ohene Djan & Roy Mersland & Trond Randøy, 2021, "Measuring Social Performance in Social Enterprises: A Global Study of Microfinance Institutions," Post-Print, HAL, number hal-05221033, DOI: 10.1007/s10551-019-04417-z.
  2. Rolando Gonzales Martinez & Bert D’espallier & Roy Mersland, 2021, "Bifurcations in business profitability: An agent-based simulation of homophily in self-financing groups," Post-Print, HAL, number hal-05221034, DOI: 10.1016/j.jbusres.2020.06.051.
  3. Naome Otiti & Kjetil Andersson & Roy Mersland, 2021, "Is employee-client matching good for firms targeting the bottom of the pyramid? A study of microfinance institutions," Post-Print, HAL, number hal-05221035, DOI: 10.1108/IJDI-04-2020-0069.
  4. Rolando Gonzales & Bert d'Espallier & Roy Mersland, 2021, "What drives profits in savings groups? Bayesian data mining evidence from the SAVIX database," Post-Print, HAL, number hal-05221036.
  5. Stephen Zamore & Leif Atle Beisland & Roy Mersland, 2021, "Excessive focus on risk? Non‐performing loans and efficiency of microfinance institutions," Post-Print, HAL, number hal-05221038, DOI: 10.1002/ijfe.2477.
  6. Naome Otiti & Cécile Godfroid & Roy Mersland & Bert D’espallier, 2021, "Does it (Re)pay to be Female? Considering Gender in Microfinance Loan Officer-Client Pairs," Post-Print, HAL, number hal-05321825, Oct, DOI: 10.1080/00220388.2021.1983167.

2020

  1. Ilan Alon & Roy Mersland & Martina Musteen & Trond Randøy, 2020, "The research frontier on internationalization of social enterprises," Post-Print, HAL, number hal-05221029, DOI: 10.1016/j.jwb.2020.101091.
  2. Emir Malikov & Valentina Hartarska & Roy Mersland, 2020, "Economies of diversification in microfinance: Evidence from quantile estimation on panel data," Post-Print, HAL, number hal-05221030, DOI: 10.1016/j.frl.2019.07.019.
  3. Roy Mersland & Samuel Anokye Nyarko & Amila Buddhika Sirisena, 2020, "A hybrid approach to international market selection: The case of impact investing organizations," Post-Print, HAL, number hal-05221031, DOI: 10.1016/j.ibusrev.2019.101624.

2019

  1. Leif Atle Beisland & Daudi Pascal Ndaki & Roy Mersland, 2019, "Influence of Ownership Type and CEO Power on Residual Loss: Evidence From the Global Microfinance Industry," Post-Print, HAL, number hal-05221018, DOI: 10.1177/0899764019848498.
  2. Leif Atle Beisland & Bert D’espallier & Roy Mersland, 2019, "The Commercialization of the Microfinance Industry: Is There a ‘Personal Mission Drift’ Among Credit Officers?," Post-Print, HAL, number hal-05221020, DOI: 10.1007/s10551-017-3710-4.
  3. Sougand Golesorkhi & Roy Mersland & Trond Randøy & Oded Shenkar, 2019, "The Performance Impact of Informal and Formal Institutional Differences in Cross-Border Alliances," Post-Print, HAL, number hal-05221021, DOI: 10.1016/j.ibusrev.2018.08.006.
  4. Sougand Golesorkhi & Roy Mersland & Rebecca Piekkari & Grigory Pishchulov & Trond Randøy, 2019, "The effect of language use on the financial performance of microfinance banks: Evidence from cross-border activities in 74 countries," Post-Print, HAL, number hal-05221022, DOI: 10.1016/j.jwb.2019.03.002.
  5. Roy Mersland & Leif Atle Beisland & Daudi Pascal, 2019, "The Origin of Chief Executive Officers and Performance in Hybrid Businesses: The Case of Microfinance," Post-Print, HAL, number hal-05221024, DOI: 10.1111/jsbm.12381.
  6. Roy Mersland & Samuel Anokye Nyarko & Ariane Szafarz, 2019, "Do social enterprises walk the talk? Assessing microfinance performances with mission statements," Post-Print, HAL, number hal-05221025, DOI: 10.1016/j.jbvi.2019.e00117.
  7. Stephen Zamore & Leif Atle Beisland & Roy Mersland, 2019, "Geographic diversification and credit risk in microfinance," Post-Print, HAL, number hal-05221027, DOI: 10.1016/j.jbankfin.2019.105665.
  8. Roy Mersland & Stephen Zamore & Kwame Ohene Djan & Tigist Woldetsadik Sommeno, 2019, "Internationalization of the microfinance industry," Post-Print, HAL, number hal-05222175, DOI: 10.4337/9781788114226.00022.
  9. Muluneh Hideto Dato & Marek Hudon & Roy Mersland, 2019, "Board Governance: Does Ownership Matter?," Post-Print, HAL, number hal-05321823, Dec, DOI: 10.1111/apce.12262.

2018

  1. Leif Atle Beisland & Roy Mersland & Øystein Strøm, 2018, "Use of Big Four auditors and fund raising: evidence from developing and emerging markets," Post-Print, HAL, number hal-05221012, DOI: 10.1108/IJoEM-11-2016-0321.
  2. Muluneh Hideto Dato & Roy Mersland & Neema Mori, 2018, "Board Committees and Performance in Microfinance Institutions: Evidence from Ethiopia," Post-Print, HAL, number hal-05221013, DOI: 10.1108/IJoEM-08-2016-0216.
  3. Daudi Pascal Ndaki & Leif Atle Beisland & Roy Mersland, 2018, "Capital structure and CEO tenure in microfinance institutions," Post-Print, HAL, number hal-05221017, Aug, DOI: 10.1002/jsc.2205.

2017

  1. Bert D’espallier & Jann Goedecke & Marek Hudon & Roy Mersland, 2017, "From NGOs to Banks: Does Institutional Transformation Alter the Business Model of Microfinance Institutions?," Post-Print, HAL, number hal-05221006, DOI: 10.1016/j.worlddev.2016.06.021.
  2. Kwame Ohene Djan & Roy Mersland, 2017, "Does Religious Affiliation Influence the Design of Corporate Governance? Evidence from the Global Microfinance Industry," Post-Print, HAL, number hal-05221007, DOI: 10.1002/jsc.2113.
  3. Robert Lensink & Roy Mersland & Nhung Thi Hong Vu & Stephen Zamore, 2017, "Do microfinance institutions benefit from integrating financial and nonfinancial services?," Post-Print, HAL, number hal-05221008, DOI: 10.1080/00036846.2017.1397852.
  4. D. Pascal & R. Mersland & N. Mori, 2017, "The influence of the CEO’s business education on the performance of hybrid organizations: the case of the global microfinance industry," Post-Print, HAL, number hal-05221011, DOI: 10.1007/s11187-016-9824-8.

2016

  1. Leif Atle Beisland & Roy Mersland & Stephen Zamore, 2016, "Motivations for Business Start‐up: Are There any Differences Between Disabled and Non‐disabled Microfinance Clients?," Post-Print, HAL, number hal-05221003, DOI: 10.1002/jid.3196.
  2. Gibson Hosea Munisi & Roy Mersland, 2016, "Ownership, Board Compensation and Company Performance in Sub-Saharan African Countries," Post-Print, HAL, number hal-05221004, DOI: 10.1177/0972652716645893.
  3. Leif Atle Beisland & Roy Mersland, 2016, "Exploring Microfinance Clients with Disabilities: A Case Study of an Ecuadorian Microbank," Post-Print, HAL, number hal-05221005, DOI: 10.1080/00220388.2016.1265946.
  4. Roy Mersland & Daudi Pascal & Leif Atle Beisland, 2016, "The influence of CEO power on agency costs in non-profit organisations: evidence from the global microfinance industry," Working Papers CEB, ULB -- Universite Libre de Bruxelles, number 16-045, Nov.
  5. Daudi Pascal & Leif Atle Beisland & Roy Mersland, 2016, "The origin of CEOs and its influence on microfinance performance and risk-taking," Working Papers CEB, ULB -- Universite Libre de Bruxelles, number 16-046, Nov.

2015

  1. Leif Atle Beisland & Roy Mersland & R. Øystein Strøm, 2015, "Audit Quality and Corporate Governance: Evidence from the Microfinance Industry," Post-Print, HAL, number hal-05220874, DOI: 10.1111/ijau.12041.
  2. Michael S Delgado & Christopher F Parmeter & Valentina Hartarska & Roy Mersland, 2015, "Should all microfinance institutions mobilize microsavings? Evidence from economies of scope," Post-Print, HAL, number hal-05220875, DOI: 10.1007/s00181-014-0861-3.
  3. Trond Randøy & R. Øystein Strøm & Roy Mersland, 2015, "The Impact of Entrepreneur-CEOs in Microfinance Institutions: A Global Survey," Post-Print, HAL, number hal-05220877, DOI: 10.1111/etap.12085.

2014

  1. Leif Atle Beisland & Roy Mersland, 2014, "Staff characteristics and the exclusion of persons with disabilities: evidence from the microfinance industry in Uganda," Post-Print, HAL, number hal-05220866, DOI: 10.1080/09687599.2014.902362.
  2. Leif Atle Beisland & Roy Mersland, 2014, "Earnings Quality in Nonprofit Versus For-Profit Organizations : Evidence From the Microfinance Industry," Post-Print, HAL, number hal-05220868, DOI: 10.1177/0899764013478491.
  3. Leif Atle Beisland & Roy Mersland & Trond Randøy, 2014, "The Association between microfinance rating scores and corporate governance: a global survey," Post-Print, HAL, number hal-05220869, Oct, DOI: 10.1016/j.irfa.2014.10.012.
  4. Neema Mori & Roy Mersland, 2014, "Boards in microfinance institutions: how do stakeholders matter?," Post-Print, HAL, number hal-05220871, DOI: 10.1007/s10997-011-9191-4.
  5. Reidar Øystein Strøm & Bert D’espallier & Roy Mersland, 2014, "Female leadership, performance, and governance in microfinance institutions," Post-Print, HAL, number hal-05220872, DOI: 10.1016/j.jbankfin.2014.01.014.
  6. Leif Atle Beisland & Roy Mersland, 2014, "Microfinance and Disability: Recommendations for policymakers and practitioners," Post-Print, HAL, number hal-05222140, DOI: 10.1093/acprof:oso/9780199981212.00.
  7. Leif Atle Beisland & Roy Mersland & Trond Randøy, 2014, "Microbank Regulation and Earnings Quality: A Global Survey," Post-Print, HAL, number hal-05222148, DOI: 10.1057/9781137399663_14.
  8. Roy Mersland & R. Øystein Strøm, 2014, "Measuring Microfinance Performance," Post-Print, HAL, number hal-05222157, DOI: 10.1057/9781137399663_2.
  9. Leif Atle Beisland & Roy Mersland & Trond Randøy, 2014, "Transparency and disclosure in the global microfinance industry: Implications for practice and policy makers," Post-Print, HAL, number hal-05222168, DOI: 10.1093/OXFORDHB/9780199917693.013..

2013

  1. Hartarska, Valentina & Mersland, Roy & Nadolnyak, Denis, 2013, "Are Women Better Bankers to the Poor? Evidence from Rural Microfinance Institutions," 2014 Allied Social Sciences Association (ASSA) Annual Meeting, January 3-5, 2014, Philadelphia, PA, Agricultural and Applied Economics Association, number 161653, DOI: 10.22004/ag.econ.161653.
  2. Valentina Hartarska & Xuan Shen & Roy Mersland, 2013, "Scale economies and input price elasticities in microfinance institutions," Post-Print, HAL, number hal-05220857, DOI: 10.1016/j.jbankfin.2012.08.004.
  3. Valentina Hartarska & Roy Mersland & Denis Nadolnyak & Christopher Parmeter, 2013, "Governance and scope economies in microfinance institutions," Post-Print, HAL, number hal-05220860, DOI: 10.1504/IJCG.2013.055174.
  4. Roy Mersland & Bert D’espallier & Magne Supphellen, 2013, "The Effects of Religion on Development Efforts: Evidence from the Microfinance Industry and a Research Agenda," Post-Print, HAL, number hal-05220861, DOI: 10.1016/j.worlddev.2012.05.030.
  5. Roy Mersland & Joachim Thøgersen, 2013, "Stimulating economic growth in the least developed countries: direct cash transfers for the retired via mobile phones," Post-Print, HAL, number hal-05220862, DOI: 10.1080/17487870.2013.799905.
  6. Roy Mersland & Ludovic Urgeghe, 2013, "International Debt Financing and Performance of Microfinance Institutions," Post-Print, HAL, number hal-05220864, DOI: 10.1002/jsc.1919.
  7. Leif Atle Beisland & Roy Mersland, 2013, "Earnings Quality in the Microfinance Industry," Post-Print, HAL, number hal-05222109, DOI: 10.1057/9781137301925_5.
  8. Roy Mersland & R. Øystein Strøm, 2013, "Microfinance Costs, Lending Rates and Profitability," Post-Print, HAL, number hal-05222122, DOI: 10.1016/B978-0-12-397873-8.00046-3.
  9. Roy Mersland, 2013, "Editorial: Research trends in microfinance from the Third European Research Conference on Microfinance," Post-Print, HAL, number hal-05321822, DOI: 10.3362/1755-1986.2013.025.

2012

  1. Leif Atle Beisland & Roy Mersland, 2012, "Barriers to microcredit for disabled persons: Evidence from economically active persons in Uganda," Post-Print, HAL, number hal-05220850, DOI: 10.3362/1755-1986.2012.003.
  2. Leif Atle Beisland & Roy Mersland, 2012, "An Analysis of the Drivers of Microfinance Rating Assessments," Post-Print, HAL, number hal-05220852, DOI: 10.1177/0899764011433616.
  3. Rients Galema & Robert Lensink & Roy Mersland, 2012, "Do Powerful CEOs Determine Microfinance Performance?," Post-Print, HAL, number hal-05220853, DOI: 10.1111/j.1467-6486.2012.01046.x.
  4. Valentina Hartarska & Roy Mersland, 2012, "Which Governance Mechanisms Promote Efficiency in Reaching Poor Clients? Evidence from Rated Microfinance Institutions," Post-Print, HAL, number hal-05220856, DOI: 10.1111/j.1468-036X.2009.00524.x.
  5. Rients Galema & R. Lensink & Roy Mersland, 2012, "Governance and Microfinance Institutions," Post-Print, HAL, number hal-05222096.
    • Rients Galema & Robert Lensink & Roy Mersland, 2012, "Governance and Microfinance Institutions," Chapters, Edward Elgar Publishing, chapter 29, in: James R. Barth & Chen Lin & Clas Wihlborg, "Research Handbook on International Banking and Governance".
  6. Roy Mersland & R Øystein Strøm, 2012, "The Past and Future of Innovations in Microfinance," Post-Print, HAL, number hal-05222104.

2011

  1. Pierre-Guillaume Méon & Roy Mersland & Ariane Szafarz & Marc Labie, 2011, "Discrimination by Microcredit Officers:Theory and Evidence on Disability in Uganda," DULBEA Working Papers, ULB -- Universite Libre de Bruxelles, number 11-06, May.
  2. Roy Mersland & Trond Randøy & Reidar Øystein Strøm, 2011, "The impact of international influence on microbanks’ performance: A global survey," Post-Print, HAL, number hal-05220848, DOI: 10.1016/j.ibusrev.2010.07.006.
  3. Roy Mersland, 2011, "The governance of non-profit micro finance institutions: lessons from history," Post-Print, HAL, number hal-05220849, DOI: 10.1007/s10997-009-9116-7.
  4. Marc Labie & Roy Mersland, 2011, "Corporate Governance Challenges in Microfinance," Post-Print, HAL, number hal-05222079, DOI: 10.1142/9789814295666_0013.
  5. Roy Mersland & Ludovic Urgeghe, 2011, "Performance and international investments in microfinance institutions," Working Papers CEB, ULB -- Universite Libre de Bruxelles, number 11-054, Nov.
  6. Leif Atle Beisland & Roy Mersland, 2011, "Do microfinance rating assessments make sense? An analysis of the drivers of the MFI ratings," Working Papers CEB, ULB -- Universite Libre de Bruxelles, number 11-009, Mar.

2010

  1. Leif Atle Beisland & Roy Mersland, 2010, "The use of microfinance services among economically active disabled people: Evidence from Uganda," Post-Print, HAL, number hal-05220840, DOI: 10.1002/jid.1720.
  2. Roy Mersland & R. Øystein Strøm, 2010, "Microfinance Mission Drift?," Post-Print, HAL, number hal-05220843, DOI: 10.1016/j.worlddev.2009.05.006.

2009

  1. Roy Mersland & R. Øystein Strøm, 2009, "Performance and governance in microfinance institutions," Post-Print, HAL, number hal-05217846, DOI: 10.1016/j.jbankfin.2008.11.009.
  2. Roy Mersland, 2009, "The Cost of Ownership in Microfinance Organizations," Post-Print, HAL, number hal-05218458, Feb, DOI: 10.1016/j.worlddev.2008.03.006.

2008

  1. Roy Mersland & Reidar Øystein Strøm, 2008, "Performance and trade‐offs in Microfinance Organisations—Does ownership matter?," Post-Print, HAL, number hal-05220839, DOI: 10.1002/jid.1432.
  2. Roy Mersland & R Øystein Strøm, 2008, "Myths in microfinance," Post-Print, HAL, number hal-05222040, DOI: 10.1016/s1745-8862(08)03010-0.

2007

  1. Mersland, Roy & Strøm, R. Øystein, 2007, "Microbanks: Ownership, performance and social tradeoffs - a global analysis," MPRA Paper, University Library of Munich, Germany, number 2063, Jan.
  2. Mersland, Roy & Strøm, Reidar Øystein, 2007, "Performance and corporate governance in microfinance institutions," MPRA Paper, University Library of Munich, Germany, number 3887, Jun.

2005

  1. Mersland, Roy, 2005, "Microcredit for self-employed disabled persons in developing countries," MPRA Paper, University Library of Munich, Germany, number 2068, Oct.
  2. Mersland, Roy, 2005, "The agenda and relevance of recent research in Microfinance," MPRA Paper, University Library of Munich, Germany, number 2433, Jan.

Journal articles

2026

  1. Yan Zhang & Stephen Zamore & Roy Mersland, 2026, "Debt, Free Cash Flow, and Financial Performance in Microfinance: A Global Analysis," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, volume 66, issue 2, pages 1192-1208, June, DOI: 10.1111/acfi.70182.
  2. Knar Khachatryan & Aleksandr Grigoryan & Valentina Hartarska & Roy Mersland, 2026, "Cross-Border Spillovers in Social Entrepreneurship: Spatial Proximity and Microfinance Performance," International Journal of the Economics of Business, Taylor & Francis Journals, volume 33, issue 1, pages 161-186, January, DOI: 10.1080/13571516.2025.2583494.

2025

  1. Benjamin Akatabanuse & Roy Mersland & Bert D’Espallier, 2025, "Self-employment for People with Disabilities: The Case of the iSAVE Programme in Uganda," Review of Development Finance Journal, Chartered Institute of Development Finance, volume 15, issue 2, pages 42-61.
  2. Baghdasaryan, Vardan & Mersland, Roy & Strøm, R. Øystein, 2025, "Multibanking in microfinance yields positive performance: Evidence from Ecuadorian entrepreneurs," Emerging Markets Review, Elsevier, volume 67, issue C, DOI: 10.1016/j.ememar.2025.101302.
  3. Sommeno, Tigist Woldetsadik & Mersland, Roy & Randøy, Trond, 2025, "The impact of debt: International versus local debt in microfinance organizations," Research in International Business and Finance, Elsevier, volume 76, issue C, DOI: 10.1016/j.ribaf.2025.102848.
  4. Kjetil Andersson & Bert D’Espallier & Roy Mersland, 2025, "The Ethical Dilemma in Hybrid Organizations: A Production Function Approach to Credit Expansion in Microfinance," Journal of Business Ethics, Springer, volume 201, issue 2, pages 477-490, October, DOI: 10.1007/s10551-024-05892-9.
  5. Aleksandr Grigoryan & Knar Khachatryan & Valentina Hartarska & Roy Mersland, 2025, "Are All Deposit Products in the Microfinance World Created Equal?," Emerging Markets Finance and Trade, Taylor & Francis Journals, volume 61, issue 5, pages 1160-1176, April, DOI: 10.1080/1540496X.2024.2413172.
  6. Roger Aganze & Roy Mersland & Bert D’Espallier & Kjetil Andersson, 2025, "Determinants of Sustainability of Informal Community-Based Financial Groups: Insights from a Survival Analysis Approach," Journal of Development Studies, Taylor & Francis Journals, volume 61, issue 10, pages 1660-1682, October, DOI: 10.1080/00220388.2025.2487014.
  7. Samuel Anokye Nyarko & Leif Atle Beisland & Roy Mersland, 2025, "Lending to Women and Credit Risk in Microfinance Institutions: The Moderating Effects of Patriarchy and Female Leadership," Journal of Development Studies, Taylor & Francis Journals, volume 61, issue 4, pages 614-637, April, DOI: 10.1080/00220388.2024.2434252.

2024

  1. Rolando Gonzales Martinez & Bert D’Espallier & Roy Mersland, 2024, "Informal Insurance and Loans in Savings Groups: A Longitudinal and Quasi-experimental Approach Identifies the Role of the Welfare Fund for the Extreme Poor," Review of Development Finance Journal, Chartered Institute of Development Finance, volume 14, issue 1, pages 1-10.
  2. Sommeno, Tigist Woldetsadik & Mersland, Roy & Randøy, Trond, 2024, "The impact of liability of foreignness on performance in hybrid organizations," Journal of International Management, Elsevier, volume 30, issue 2, DOI: 10.1016/j.intman.2024.101133.
  3. Eline Auwera & Bert D’Espallier & Roy Mersland, 2024, "Achieving Double Bottom-Line Performance in Hybrid Organisations: A Machine-Learning Approach," Journal of Business Ethics, Springer, volume 190, issue 3, pages 625-647, March, DOI: 10.1007/s10551-023-05410-3.
  4. Daniël van Hemert & Bert D’Espallier & Roy Mersland, 2024, "Autonomy and Financial Performance in Informal Savings Associations," Journal of Development Studies, Taylor & Francis Journals, volume 60, issue 9, pages 1352-1371, September, DOI: 10.1080/00220388.2024.2337386.
  5. Armande Mahabi Nabami & Anaëlle Petre & Roy Mersland, 2024, "Impact of climate change training intervention in savings groups," Journal of International Development, John Wiley & Sons, Ltd., volume 36, issue 4, pages 2047-2062, May, DOI: 10.1002/jid.3896.

2023

  1. R. Øystein Strøm & Bert D’Espallier & Roy Mersland, 2023, "Female Leaders and Financial Inclusion: Evidence from Microfinance Institutions," Review of Corporate Finance, now publishers, volume 3, issue 1-2, pages 69-97, May, DOI: 10.1561/114.00000036.
  2. Stephen Zamore & Leif Atle Beisland & Roy Mersland, 2023, "Excessive focus on risk? Non‐performing loans and efficiency of microfinance institutions," International Journal of Finance & Economics, John Wiley & Sons, Ltd., volume 28, issue 2, pages 1290-1307, April, DOI: 10.1002/ijfe.2477.
  3. Beisland, Leif Atle & Zamore, Stephen & Mersland, Roy, 2023, "Does It Pay to be Green? A Study of the Global Microfinance Industry," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 52, issue 3, pages 631-653, DOI: 10.1177/08997640221110209.

2022

  1. Godfroid, Cécile & Otiti, Naome & Mersland, Roy, 2022, "Employee tenure and staff performance: The case of a social enterprise," Journal of Business Research, Elsevier, volume 139, issue C, pages 457-467, DOI: 10.1016/j.jbusres.2021.10.011.
  2. Kwame Ohene Djan & Roy Mersland, 2022, "Are NGOs and cooperatives similar or different? A global survey using microfinance data," Journal of Management & Governance, Springer;Accademia Italiana di Economia Aziendale (AIDEA), volume 26, issue 2, pages 641-683, June, DOI: 10.1007/s10997-021-09567-9.
  3. Naome Otiti & Cécile Godfroid & Roy Mersland & Bert D’Espallier, 2022, "Does it (Re)pay to be Female? Considering Gender in Microfinance Loan Officer-Client Pairs," Journal of Development Studies, Taylor & Francis Journals, volume 58, issue 2, pages 259-274, February, DOI: 10.1080/00220388.2021.1983167.

2021

  1. Rolando Gonzales & Bert D’Espallier & Roy Mersland, 2021, "What Drives Profits in Savings Groups? Bayesian Data Mining Evidence from the SAVIX Database," Review of Development Finance Journal, Chartered Institute of Development Finance, volume 11, issue 2, pages 39-57.
  2. Gonzales Martinez, Rolando & D’Espallier, Bert & Mersland, Roy, 2021, "Bifurcations in business profitability: An agent-based simulation of homophily in self-financing groups," Journal of Business Research, Elsevier, volume 129, issue C, pages 495-514, DOI: 10.1016/j.jbusres.2020.06.051.
  3. Naome Otiti & Kjetil Andersson & Roy Mersland, 2021, "Is employee-client matching good for firms targeting the bottom of the pyramid? A study of microfinance institutions," International Journal of Development Issues, Emerald Group Publishing Limited, volume 20, issue 1, pages 1-23, February, DOI: 10.1108/IJDI-04-2020-0069.
  4. Leif Atle Beisland & Kwame Ohene Djan & Roy Mersland & Trond Randøy, 2021, "Measuring Social Performance in Social Enterprises: A Global Study of Microfinance Institutions," Journal of Business Ethics, Springer, volume 171, issue 1, pages 51-71, June, DOI: 10.1007/s10551-019-04417-z.

2020

  1. Muluneh HIDETO DATO & Marek HUDON & Roy MERSLAND, 2020, "Board Governance: Does Ownership Matter?," Annals of Public and Cooperative Economics, Wiley Blackwell, volume 91, issue 1, pages 5-28, March, DOI: 10.1111/apce.12262.
  2. Malikov, Emir & Hartarska, Valentina & Mersland, Roy, 2020, "Economies of diversification in microfinance: Evidence from quantile estimation on panel data," Finance Research Letters, Elsevier, volume 34, issue C, DOI: 10.1016/j.frl.2019.07.019.
  3. Mersland, Roy & Nyarko, Samuel Anokye & Sirisena, Amila Buddhika, 2020, "A hybrid approach to international market selection: The case of impact investing organizations," International Business Review, Elsevier, volume 29, issue 1, DOI: 10.1016/j.ibusrev.2019.101624.
  4. Alon, Ilan & Mersland, Roy & Musteen, Martina & Randøy, Trond, 2020, "The research frontier on internationalization of social enterprises," Journal of World Business, Elsevier, volume 55, issue 5, DOI: 10.1016/j.jwb.2020.101091.

2019

  1. Golesorkhi, Sougand & Mersland, Roy & Randøy, Trond & Shenkar, Oded, 2019, "The Performance Impact of Informal and Formal Institutional Differences in Cross-Border Alliances," International Business Review, Elsevier, volume 28, issue 1, pages 104-118, DOI: 10.1016/j.ibusrev.2018.08.006.
  2. Zamore, Stephen & Beisland, Leif Atle & Mersland, Roy, 2019, "Geographic diversification and credit risk in microfinance," Journal of Banking & Finance, Elsevier, volume 109, issue C, DOI: 10.1016/j.jbankfin.2019.105665.
  3. Mersland, Roy & Nyarko, Samuel Anokye & Szafarz, Ariane, 2019, "Do social enterprises walk the talk? Assessing microfinance performances with mission statements," Journal of Business Venturing Insights, Elsevier, volume 11, issue C, pages 1-1, DOI: 10.1016/j.jbvi.2019.e00117.
  4. Golesorkhi, Sougand & Mersland, Roy & Piekkari, Rebecca & Pishchulov, Grigory & Randøy, Trond, 2019, "The effect of language use on the financial performance of microfinance banks: Evidence from cross-border activities in 74 countries," Journal of World Business, Elsevier, volume 54, issue 3, pages 213-229, DOI: 10.1016/j.jwb.2019.03.002.
  5. Leif Atle Beisland & Bert D’Espallier & Roy Mersland, 2019, "The Commercialization of the Microfinance Industry: Is There a ‘Personal Mission Drift’ Among Credit Officers?," Journal of Business Ethics, Springer, volume 158, issue 1, pages 119-134, August, DOI: 10.1007/s10551-017-3710-4.
  6. Roy Mersland & Leif Atle Beisland & Daudi Pascal, 2019, "The Origin of Chief Executive Officers and Performance in Hybrid Businesses: The Case of Microfinance," Journal of Small Business Management, Taylor & Francis Journals, volume 57, issue 4, pages 1578-1594, October, DOI: 10.1111/jsbm.12381.
  7. Beisland, Leif Atle & Pascal Ndaki, Daudi & Mersland, Roy, 2019, "Influence of Ownership Type and CEO Power on Residual Loss: Evidence From the Global Microfinance Industry," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 48, issue 5, pages 998-1022.

2018

  1. Muluneh Hideto Dato & Roy Mersland & Neema Mori, 2018, "Board committees and performance in microfinance institutions," International Journal of Emerging Markets, Emerald Group Publishing Limited, volume 13, issue 2, pages 350-370, April, DOI: 10.1108/IJoEM-08-2016-0216.
  2. Leif Atle Beisland & Roy Mersland & Øystein Strøm, 2018, "Use of Big Four auditors and fund raising: evidence from developing and emerging markets," International Journal of Emerging Markets, Emerald Group Publishing Limited, volume 13, issue 2, pages 371-390, April, DOI: 10.1108/IJoEM-11-2016-0321.
  3. Robert Lensink & Roy Mersland & Nhung Thi Hong Vu & Stephen Zamore, 2018, "Do microfinance institutions benefit from integrating financial and nonfinancial services?," Applied Economics, Taylor & Francis Journals, volume 50, issue 21, pages 2386-2401, May, DOI: 10.1080/00036846.2017.1397852.
  4. Dato, Muluneh Hideto & Mersland, Roy & Mori, Neema, 2018, "Board committees and performance in microfinance institutions: Evidence from Ethiopia," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 13, issue 2, pages 350-370.
  5. Ndaki, Daudi Pascal & Beisland, Leif Atle & Mersland, Roy, 2018, "Capital structure and CEO tenure in microfinance institutions," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 27, issue 4, pages 329-337.

2017

  1. D’Espallier, Bert & Goedecke, Jann & Hudon, Marek & Mersland, Roy, 2017, "From NGOs to Banks: Does Institutional Transformation Alter the Business Model of Microfinance Institutions?," World Development, Elsevier, volume 89, issue C, pages 19-33, DOI: 10.1016/j.worlddev.2016.06.021.
  2. D. Pascal & R. Mersland & N. Mori, 2017, "The influence of the CEO’s business education on the performance of hybrid organizations: the case of the global microfinance industry," Small Business Economics, Springer, volume 49, issue 2, pages 339-354, August, DOI: 10.1007/s11187-016-9824-8.
  3. Leif Atle Beisland & Roy Mersland, 2017, "Exploring Microfinance Clients with Disabilities: A Case Study of an Ecuadorian Microbank," Journal of Development Studies, Taylor & Francis Journals, volume 53, issue 11, pages 1929-1943, November, DOI: 10.1080/00220388.2016.1265946.
  4. Djan, Kwame Ohene & Mersland, Roy, 2017, "Does Religious Affiliation Influence the Design of Corporate Governance? Evidence from the Global Microfinance Industry," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 26, issue 2, pages 101-116.

2016

  1. Gibson Hosea Munisi & Roy Mersland, 2016, "Ownership, Board Compensation and Company Performance in Sub-Saharan African Countries," Journal of Emerging Market Finance, Institute for Financial Management and Research, volume 15, issue 2, pages 191-224, August, DOI: 10.1177/0972652716645893.
  2. Leif Atle Beisland & Roy Mersland & Stephen Zamore, 2016, "Motivations for Business Start‐up: Are There any Differences Between Disabled and Non‐disabled Microfinance Clients?," Journal of International Development, John Wiley & Sons, Ltd., volume 28, issue 1, pages 147-149, January.

2015

  1. Labie, Marc & Méon, Pierre-Guillaume & Mersland, Roy & Szafarz, Ariane, 2015, "Discrimination by microcredit officers: Theory and evidence on disability in Uganda," The Quarterly Review of Economics and Finance, Elsevier, volume 58, issue C, pages 44-55, DOI: 10.1016/j.qref.2015.05.002.
  2. Trond Randøy & R. Øystein Strøm & Roy Mersland, 2015, "The Impact of Entrepreneur–CEOs in Microfinance Institutions: A Global Survey," Entrepreneurship Theory and Practice, , volume 39, issue 4, pages 927-953, July, DOI: 10.1111/etap.12085.
  3. Michael Delgado & Christopher Parmeter & Valentina Hartarska & Roy Mersland, 2015, "Should all microfinance institutions mobilize microsavings? Evidence from economies of scope," Empirical Economics, Springer, volume 48, issue 1, pages 193-225, February, DOI: 10.1007/s00181-014-0861-3.
  4. Beisland, Leif Atle & Mersland, Roy & Strøm, R. Øystein, 2015, "Audit Quality and Corporate Governance: Evidence from the Microfinance Industry," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 19, issue 3, pages 218-237.
  5. Randøy, Trond & Strøm, R. Øystein & Mersland, Roy, 2015, "The Impact of Entrepreneur-CEOs in Microfinance Institutions: A Global Survey," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 39, issue 4, pages 927-953.

2014

  1. Beisland, Leif Atle & Mersland, Roy & Randøy, Trond, 2014, "The Association between microfinance rating scores and corporate governance: a global survey," International Review of Financial Analysis, Elsevier, volume 35, issue C, pages 268-280, DOI: 10.1016/j.irfa.2014.10.012.
  2. Strøm, Reidar Øystein & D’Espallier, Bert & Mersland, Roy, 2014, "Female leadership, performance, and governance in microfinance institutions," Journal of Banking & Finance, Elsevier, volume 42, issue C, pages 60-75, DOI: 10.1016/j.jbankfin.2014.01.014.
  3. Neema Mori & Roy Mersland, 2014, "Boards in microfinance institutions: how do stakeholders matter?," Journal of Management & Governance, Springer;Accademia Italiana di Economia Aziendale (AIDEA), volume 18, issue 1, pages 285-313, February, DOI: 10.1007/s10997-011-9191-4.
  4. Valentina Hartarska & Denis Nadolnyak & Roy Mersland, 2014, "Are Women Better Bankers to the Poor? Evidence from Rural Microfinance Institutions," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, volume 96, issue 5, pages 1291-1306.
  5. Beisland, Leif Atle & Mersland, Roy, 2014, "Staff characteristics and the exclusion of persons with disabilities: evidence from the microfinance industry in Uganda," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 29, issue 7, pages 1061-1075.
  6. Beisland, Leif Atle & Mersland, Roy, 2014, "Income characteristics and the use of microfinance services: evidence from economically active persons with disabilities," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 29, issue 3, pages 417-430.
  7. Beisland, Leif Atle & Mersland, Roy, 2014, "Earnings Quality in Nonprofit Versus For-Profit Organizations: Evidence From the Microfinance Industry," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 43, issue 4, pages 652-671.

2013

  1. Hartarska, Valentina & Shen, Xuan & Mersland, Roy, 2013, "Scale economies and input price elasticities in microfinance institutions," Journal of Banking & Finance, Elsevier, volume 37, issue 1, pages 118-131, DOI: 10.1016/j.jbankfin.2012.08.004.
  2. Mersland, Roy & D’Espallier, Bert & Supphellen, Magne, 2013, "The Effects of Religion on Development Efforts: Evidence from the Microfinance Industry and a Research Agenda," World Development, Elsevier, volume 41, issue C, pages 145-156, DOI: 10.1016/j.worlddev.2012.05.030.
  3. Valentina Hartarska & Roy Mersland & Denis Nadolnyak & Christopher Parmeter, 2013, "Governance and scope economies in microfinance institutions," International Journal of Corporate Governance, Inderscience Enterprises Ltd, volume 4, issue 1, pages 74-96.
  4. Bert D'espallier & Isabelle Guerin & Roy Mersland, 2013, "Focus on Women in Microfinance Institutions," Journal of Development Studies, Taylor & Francis Journals, volume 49, issue 5, pages 589-608, May, DOI: 10.1080/00220388.2012.720364.
  5. Roy Mersland & Joachim Thøgersen, 2013, "Stimulating economic growth in the least developed countries: direct cash transfers for the retired via mobile phones," Journal of Economic Policy Reform, Taylor and Francis Journals, volume 16, issue 3, pages 259-271, September, DOI: 10.1080/17487870.2013.799905.
  6. Mersland, Roy & Urgeghe, Ludovic, 2013, "International Debt Financing and Performance of Microfinance Institutions," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 22, issue 1-2, pages 17-29.
  7. Roy Mersland, 2013, "Market opportunities for microfinance institutions," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 24, issue 4, pages 282-294.
  8. Mersland, Roy, 2013, "Editorial: Research trends in microfinance from the Third European Research Conference on Microfinance," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 24, issue 4, pages 273-274.

2012

  1. Valentina Hartarska & Roy Mersland, 2012, "Which Governance Mechanisms Promote Efficiency in Reaching Poor Clients? Evidence from Rated Microfinance Institutions," European Financial Management, European Financial Management Association, volume 18, issue 2, pages 218-239, March, DOI: 10.1111/j.1468-036X.2009.00524.x.
  2. Rients Galema & Robert Lensink & Roy Mersland, 2012, "Do Powerful CEOs Determine Microfinance Performance?," Journal of Management Studies, Wiley Blackwell, volume 49, issue 4, pages 718-742, June, DOI: j.1467-6486.2012.01046.x.
  3. Leif Atle Beisland & Roy Mersland, 2012, "The use of microfinance services among economically active disabled people: Evidence from Uganda," Journal of International Development, John Wiley & Sons, Ltd., volume 24, issue , pages 69-83, January.
  4. Beisland, Leif Atle & Mersland, Roy, 2012, "Barriers to microcredit for disabled persons: Evidence from economically active persons in Uganda," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 23, issue 1, pages 11-24.
  5. Beisland, Leif Atle & Mersland, Roy, 2012, "An Analysis of the Drivers of Microfinance Rating Assessments," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 41, issue 2, pages 213-231.

2011

  1. Mersland, Roy & Randøy, Trond & Strøm, Reidar Øystein, 2011, "The impact of international influence on microbanks' performance: A global survey," International Business Review, Elsevier, volume 20, issue 2, pages 163-176, April.
  2. D'Espallier, Bert & Guérin, Isabelle & Mersland, Roy, 2011, "Women and Repayment in Microfinance: A Global Analysis," World Development, Elsevier, volume 39, issue 5, pages 758-772, May.
  3. Mersland, Roy, 2011, "The governance of non-profit micro finance institutions: lessons from history," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 15, issue 3, pages 327-348.

2010

  1. Mersland, Roy & Strøm, R. Øystein, 2010, "Microfinance Mission Drift?," World Development, Elsevier, volume 38, issue 1, pages 28-36, January.

2009

  1. Mersland, Roy & Øystein Strøm, R., 2009, "Performance and governance in microfinance institutions," Journal of Banking & Finance, Elsevier, volume 33, issue 4, pages 662-669, April.
  2. Mersland, Roy, 2009, "The Cost of Ownership in Microfinance Organizations," World Development, Elsevier, volume 37, issue 2, pages 469-478, February.

2008

  1. Roy Mersland & Reidar Øystein Strøm, 2008, "Performance and trade-offs in Microfinance Organisations-does ownership matter?," Journal of International Development, John Wiley & Sons, Ltd., volume 20, issue 5, pages 598-612, DOI: 10.1002/jid.1432.

2007

  1. Roy Mersland, 2007, "Innovations in savings and credit groups: evidence from Kenya," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 18, issue 1, pages 50-56.

Books

2014

  1. Roy Mersland & R. Øystein Strøm (ed.), 2014, "Microfinance Institutions," Palgrave Studies in Impact Finance, Palgrave Macmillan, number 978-1-137-39966-3, ISBN: ARRAY(0x88a490a0), March, DOI: 10.1057/9781137399663.

Chapters

2019

  1. Mersland, Roy & Zamore, Stephen & Djan, Kwame Ohene & Sommeno, Tigist Woldetsadik, 2019, "Internationalization of the microfinance industry," EconStor Open Access Book Chapters, ZBW - Leibniz Information Centre for Economics, "A Research Agenda for Financial Inclusion and Microfinance".

2014

  1. Roy Mersland & R. Øystein Strøm, 2014, "Microfinance Financial and Social Performance: An Introduction," Palgrave Studies in Impact Finance, Palgrave Macmillan, chapter 1, in: Roy Mersland & R. Øystein Strøm, "Microfinance Institutions", DOI: 10.1057/9781137399663_1.
  2. Leif Atle Beisland & Roy Mersland & Trond Randøy, 2014, "Microbank Regulation and Earnings Quality: A Global Survey," Palgrave Studies in Impact Finance, Palgrave Macmillan, chapter 14, in: Roy Mersland & R. Øystein Strøm, "Microfinance Institutions", DOI: 10.1057/9781137399663_14.
  3. Roy Mersland & R. Øystein Strøm, 2014, "Measuring Microfinance Performance," Palgrave Studies in Impact Finance, Palgrave Macmillan, chapter 2, in: Roy Mersland & R. Øystein Strøm, "Microfinance Institutions", DOI: 10.1057/9781137399663_2.
  4. Beisland, Leif Atle & Mersland, Roy & Randøy, Trond, 2014, "Transparency and Disclosure in the Global Microfinance Industry: Implications for practice and policy makers," EconStor Open Access Book Chapters, ZBW - Leibniz Information Centre for Economics, "The Oxford Handbook of Political, Institutional and Corporate Transparency".
  5. Beisland, Leif Atle & Mersland, Roy, 2014, "Microfinance and Disability: A review of the literature and recommendations for practitioners and policy makers," EconStor Open Access Book Chapters, ZBW - Leibniz Information Centre for Economics, "Disability and Equity at Work".

2013

  1. Leif Atle Beisland & Roy Mersland, 2013, "Earnings Quality in the Microfinance Industry," Palgrave Macmillan Books, Palgrave Macmillan, chapter 5, in: Jean-Pierre Gueyie & Ronny Manos & Jacob Yaron, "Microfinance in Developing Countries", DOI: 10.1057/9781137301925_5.
  2. Mersland, Roy & Strøm, R. Øystein, 2013, "Microfinance: Costs, Lending Rates, and Profitability," EconStor Open Access Book Chapters, ZBW - Leibniz Information Centre for Economics, "Handbook of Key Global Financial Markets, Institutions, and Infrastructure".

2012

  1. Rients Galema & Robert Lensink & Roy Mersland, 2012, "Governance and Microfinance Institutions," Chapters, Edward Elgar Publishing, chapter 29, in: James R. Barth & Chen Lin & Clas Wihlborg, "Research Handbook on International Banking and Governance".

2011

  1. Marc Labie & Roy Mersland, 2011, "Corporate Governance Challenges in Microfinance," World Scientific Book Chapters, World Scientific Publishing Co. Pte. Ltd., chapter 13, in: Beatriz Armendáriz & Marc Labie, "The Handbook Of Microfinance".

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