Co-Integration in Write Offs ratios of the world
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.
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- 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.
- Subhani, Muhammad Imtiaz & Osman, Ms.Amber, 2011. "Better Micro Financers in Pakistan, Banks or Financial Institutions," MPRA Paper 34722, University Library of Munich, Germany.
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