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Co-Integration in Write Offs ratios of the world

Author

Listed:
  • Subhani, Muhammad Imtiaz
  • Hasan, Syed Akif
  • Osman, Ms. Amber

Abstract

Microfinance empower low-income individual who are capable of lifting themselves out of poverty if given access to financial services but most of microfinance institutions in the world “charge high rates but not make high returns on account of large credit write-offs”. This paper expects to ponder the association/ co-integration between the write off ratios of microfinance establishments of the globe. Quite many attempts have been observed to investigate the return vs. risk but no one tried to observe the co movements among the risks/ write offs ratios of different countries or region. The data of four regions of the world which include south Asian, African, East Asian Pacific and Latin American regions are taken while 15 Microfinance (MF) banks are opted from each region to interrogate the common trends in their write off ratios. The findings of this paper reveal that the write of ratios of South Asia and Africa MF banks are Co integrated while no common trends in write off ratios are found and observed in the MF banks of South Asian and East Asian regions and as well as South Asian and Latin American regions.

Suggested Citation

  • Subhani, Muhammad Imtiaz & Hasan, Syed Akif & Osman, Ms. Amber, 2012. "Co-Integration in Write Offs ratios of the world," MPRA Paper 45143, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:45143
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    File URL: https://mpra.ub.uni-muenchen.de/45143/1/MPRA_paper_45143.pdf
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    References listed on IDEAS

    as
    1. Muhammad Imtiaz Subhani & Amber Osman, 2011. "Better Micro Financers in Pakistan, Banks or Financial Institutions," Acta Universitatis Danubius. OEconomica, Danubius University of Galati, issue 1(1), pages 104-109, March.
    2. Nico B. Rottke & Julia Gentgen, 2006. "Workout Management Of Non Performing Loans - A Formal Model Based On Transaction Cost Economics," ERES eres2006_295, European Real Estate Society (ERES).
    3. Nargiza Maksudova, 2010. "Macroeconomics of Microfinance: How Do the Channels Work?," CERGE-EI Working Papers wp423, The Center for Economic Research and Graduate Education - Economics Institute, Prague.
    4. Subhani, Muhammad Imtiaz & Hasan, Syed Akif & Mehar, Dr. Ayub & Osman, Ms. Amber, 2011. "Are the Major South Asian Equity Markets Co-Integrated?," MPRA Paper 34737, University Library of Munich, Germany, revised 2011.
    5. Mohd Zaini Abd Karim & Sok-Gee Chan & Sallahudin Hassan, 2010. "Bank Efficiency and Non-Performing Loans: Evidence from Malaysia and Singapore," Prague Economic Papers, University of Economics, Prague, vol. 2010(2), pages 118-132.
    6. Sadorsky, Perry, 2000. "The empirical relationship between energy futures prices and exchange rates," Energy Economics, Elsevier, vol. 22(2), pages 253-266, April.
    Full references (including those not matched with items on IDEAS)

    More about this item

    Keywords

    Microfinance; write-off ratios; Johansen Co-integration;

    JEL classification:

    • A1 - General Economics and Teaching - - General Economics

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