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Social and Behavioral Sciences Commons™
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Articles 1 - 10 of 10
Full-Text Articles in Social and Behavioral Sciences
Collapsing Microfinance Institutions In Ghana: An Account Of How Four Expanded And Imploded In The Ashanti Region, Festival Godwin Boateng, Stephen Nortey, Jonas Asamanin Barnie, Peter Dwumah, Martin Acheampong, Eunice Ackom-Sampene
Collapsing Microfinance Institutions In Ghana: An Account Of How Four Expanded And Imploded In The Ashanti Region, Festival Godwin Boateng, Stephen Nortey, Jonas Asamanin Barnie, Peter Dwumah, Martin Acheampong, Eunice Ackom-Sampene
International Journal of African Development
The study inquired into the collapse of four microfinance institutions (MFIs) in the Ashanti Region of Ghana. It was found that the collapses primarily were due to unduly risky, unethical and illegal practices, mismanagement and disregard for due diligence, compounded by external factors like macroeconomic instabilities and panic withdrawals, which then pushed the risk levels of the MFIs beyond the point of containment. The paper argues that the 2013 macroeconomic crisis in Ghana only contributed to the pervasiveness of the collapses – the crisis was not a root cause.
Microfinance, Household Indebtedness And Gender Inequality, Theresa Mannah-Blankson
Microfinance, Household Indebtedness And Gender Inequality, Theresa Mannah-Blankson
Doctoral Dissertations
My dissertation explores the implications of access to microfinance for gender equity and household welfare in Ghana. The study draws on the quantitative and qualitative evidence from a unique dataset generated from a survey of 499 households, with and without access to microfinance, during my field research work in Ghana from May to July 2013. The motivation for the dissertation derives from evidence suggesting that access to finance is an important tool for fighting poverty and reducing inequality. However, for most developing countries access to finance for the poor is mainly through the informal or the semi-formal sector, including microfinance …
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 …
Responsible Microfinance Bundling: Experimental Evidence On Separating Insurance And Credit Offers, Vance J. Larsen
Responsible Microfinance Bundling: Experimental Evidence On Separating Insurance And Credit Offers, Vance J. Larsen
Open Access Theses
In recent years combining multiple financial products into one package in a process known as bundling has become more common among microfinance institutions (MFIs). While bundling can be beneficial to MFIs by cutting costs and providing protection from client default, the implications for MFI customers are less clear. Bundling the products may take advantage of the existing relationship between the financial institution and the client to expand microinsurance access and take-up, but alternatively offering too many products could lead to low client understanding and thus low take-up of the product. We conducted a randomized field experiment to determine if separating …
Making Microfinance Work: Exploring Effective Strategies To Promote Tanzanian Women’S Economic And Social Status Through Microfinance, Kate E. Grantham
Making Microfinance Work: Exploring Effective Strategies To Promote Tanzanian Women’S Economic And Social Status Through Microfinance, Kate E. Grantham
Electronic Thesis and Dissertation Repository
This study explores the possibility of using microfinance to improve the economic and social status of women in Tanzania. As originally conceived, microfinance involved the provision of small loans, or “credit,” to help poor individuals start or strengthen small business ventures. The perceived success of this credit-focused, group liability model early on generated considerable international attention, and brought women into the center of development planning. Beginning in the mid-1990s, a surge of critical scholarship emerged to challenge early assumptions about the relationship between microfinance, poverty reduction and women’s empowerment. Today, academic and popular media discussions of microfinance have devolved into …
The Effects Of Grameen-Model Microfinance Institutions And Self-Help Group Microfinance On Women’S Economic Empowerment In Rural India, Forrest Weaver
The Effects Of Grameen-Model Microfinance Institutions And Self-Help Group Microfinance On Women’S Economic Empowerment In Rural India, Forrest Weaver
Dissertations and Theses
Women in rural India suffer from pervasive gender inequality and disempowerment. One road to equality is economic empowerment through microfinance. Economic empowerment consists of an increase in savings, income, ownership of property or a microenterprise, and access to social services and training. I compile studies of two most common types of microfinance models used in India in order to determine if there is a general trend indicating that microfinance as a whole has a positive impact on women’s economic empowerment. The two types of microfinance examined are Grameen-model microfinance institutions (MFIs) and Self-Help groups (SHGs) through the SHG-Bank linkage model. …
Evolving Approaches To The Economics Of Public Policy: Views Of Award-Winning Economists, Jean Kimmel Editor
Evolving Approaches To The Economics Of Public Policy: Views Of Award-Winning Economists, Jean Kimmel Editor
Upjohn Press
For policymakers, economics is a useful tool in the development and evaluation of public policy. And like many sciences, economics is evolving to become more interdisciplinary in its approach. Today, economic theory is often used in conjunction with insights gleaned from psychology and sociology to create a more inclusive, real-world approach to implementing public policy. In this book, five award-winning economists tackle a diverse range of topics and show how applied economics has evolved to give policymakers a more nuanced approach to policy development. The award-winning economists included in this volume are Erica Field, Nancy Folbre, Avner Grief, David M. …
Akhuwat: Potential For A Sustainable Islamic Interest Free Microfinance Model, Juliana S. Beall
Akhuwat: Potential For A Sustainable Islamic Interest Free Microfinance Model, Juliana S. Beall
Scripps Senior Theses
This study will examine if Akhuwat provides a sustainable Islamic interest-free Microfinance model for potential poverty alleviation. This question is particularly complicated for an organization that relies so heavily on subsidies. Theoretical debates of sustainability and the recognition of donations, cross-market comparisons, and data from audit reports will validate Akhuwat’s potential for long term sustainability. Analysis also highlights the discrepancies that plague this opaque industry.
The Pitfalls Of The Microfinance Promise, Kelleen R. Mull
The Pitfalls Of The Microfinance Promise, Kelleen R. Mull
Global Tides
The validity of microfinance institutions as poverty alleviation instruments is drawn into question by the structure and practices of the industry, which hinder the efficiency and depth of aid. This paper aims to outline the history and popularity of microfinance, followed by the difficulties of its implementation. Then, it will explain the status of research in the field, microcredit’s role in the empowerment of women, and the perception of microfinance in the West. Finally, it will discuss the monumental shifts within the industry based on ideological opinions and the consequential negative effects on the field.
Evaluating The Impact Of Integrated Microfinance And Reproductive (Mf/Rh) Services On Household Wellbeing And Reproductive Health Behaviors Of Women In Nigeria, Population Council
Evaluating The Impact Of Integrated Microfinance And Reproductive (Mf/Rh) Services On Household Wellbeing And Reproductive Health Behaviors Of Women In Nigeria, Population Council
Reproductive Health
A growing body of studies attempts to show that microfinance institutions are capable of contributing to improvements in women’s reproductive health (RH) status by integrating information that leads to behavioral change. In Nigeria, there is little evidence documenting the impact and health outcomes among beneficiaries of integrated microfinance and reproductive health (MF/RH) service. The integrated MF/RH program, funded by The David & Lucile Packard Foundation and implemented by Partners for Development, provided an opportunity to test the impact of integrating RH messaging and support for service provision into a microcredit scheme. The objective of this integrated approach was to improve …