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Full-Text Articles in Finance and Financial Management
Exploring The Impact Of Information And Communication Technology (Ict) On Intermediation Market Structure In The Microfinance Industry, Frederick Riggins, David Weber
Exploring The Impact Of Information And Communication Technology (Ict) On Intermediation Market Structure In The Microfinance Industry, Frederick Riggins, David Weber
The African Journal of Information Systems
The microfinance industry provides financial services to the world’s poor in hopes of moving individuals and families out of poverty. In 2013 there were 4.7 million active microfinance borrowers in Africa. This represents a smaller percentage of the population compared to other regions of the world, indicating the potential for rapid growth of microfinance in Africa. However, microfinance is maturing, in part due to the adoption of information and communication technologies (ICTs). This research examines how ICTs are changing the microfinance industry given recent advancements in mobile banking, Internet usage, and connectivity. By examining the microfinance market structure, we determine …
Impact Of The Economic Downturn On Local Governments In South Carolina, William Tomes
Impact Of The Economic Downturn On Local Governments In South Carolina, William Tomes
Georgia Journal of Public Policy
Across the country local government revenues have decreased while operating costs such as fuel, materials, equipment, and health insurance costs have significantly increased. In addition to reduced revenues, interest earnings for city and county government investments are low. These factors combined have created a difficult financial arena in which local governments must operate. While economists are reporting signs of economic recovery, many city and county budgets are just now feeling the full brunt of the economic downturn that began in 2008. On a daily basis, news media nationwide report local governments addressing budget deficits by cutting services, eliminating positions, or …