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An Assessment of The Effects of Credit Management Practices on The Financial Performance of Micro Financing Institutions
It is worth noting that, Microfinance Institutions (MFIs) emerged as a new approach to provide quality financial services to the poor or to feel the gap that had been made with respect to the provision of financial services to small and medium enterprises, small scale farmers and low-income households or generally the poor. In a nutshell, MFIs came on the scene as a powerful mechanism or tool in the struggle to combat or fight poverty and economic dependence. These institutions (MFIs) were viewed as a crucial engine to accelerate sustained economic growth and development, and to reduce income inequality by promoting social fairness and justice. The study adopted the cross-sectional design. In this type of study design, either the entire population or a subset of the population was selected, and from these individuals, data was collected to help answer research questions of interest. The findings reviewed that credit collection efforts were an important practice in facilitating loan ...
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This study is about micro credit and its contribution to the improvement and poverty reduction for millions of the poorest people of Bangladesh. Micro credit has a huge impact on the lives of millions of poor people particularly to women. Numerous scholars and NGOs have been working with micro credit to reach poor people, who are still not benefited by the conventional financial system. In this study, it has been tried to present evidence of the important contributions made by micro credit in the eradication of poverty by increasing the income generating activities, empowerment of poor people to access development services such as health and education, and reduction in vulnerability. Micro credit is now being considered as one of the most important and an effective mechanism for poverty reduction. Present study describes about micro credit activities and helps to investigate the impact of micro credit on the poor people of the society with the main focus on target people of the stud...
Kanbiro Orkaido
The objective of this study is to assess of credit provision of Sidama Micro Finance Institution. To this end, the researchers employed mixed research approach with descriptive research design in order to achieve the objective of the study. The primary data was collected through structured questionnaire. Then, descriptive analysis has been done through SPSS version 21. 0. Consequently, the result of this study concerning credit provision practices showed that Sidama Micro finance institutions have moderately good credit provision practice. Secondly, the findings of this study revealed that lack of client data base management system, weak monitoring system, weak risk analysis and controlling system, poor loan management and lack of early warning system were cause credit risk in Sidama micro finance institution. Finally, the researcher recommended the possible suggestions to Sidama zone micro Finance institutions to improve credit provision practice more than current position and mitigating cause of credit risk in order to improve institutional outreach and sustainability. This enables to enhance the profitability of Sidama micro finance institution and promote economic development of Ethiopia on other hand.
Shital Bhusare
Wajid RASHID
Poverty is a serious issue which is faced by masses around the world. This study aims to determine whether the microfinance institutions established for the purpose of reduction of poverty have been successful in achieving their objective or not. Primary data was collected for the proposed research study through structured questionnaires. In order to analyze the collected data multiple liner regression and paired t-test were applied. Results show that microfinance has a strong positive impact on children education and enterprise financial performance. However, there is mixed evidence found on food security, household expenditures and household assets. No impact has been observed on housing and income smoothening of enterprise. Among other independent variables, it was revealed that number of salaried persons was found to be very important variable contributing to the wellbeing of the microfinance clients. This research has made a significant contribution in unraveling some of the myths of microfinance hence advancing literature and research on this important issue. INTRODUCTION Poverty is defined relatively to the standards of living in a society. People live in poverty when they are denied for their social needs, inadequate resources; sufficient income while these circumstances also starved of them to participate fully in accepted daily life as well. On the whole, the poverty line in a country is terminating annual income below which households are gone into poor. A loan given to poor community used to be an inappropriate concept. Millions of poor people are living on welfare and unbanked household want economic facilities. They find a multiple variety of services including savings, loans, insurance, and facility of receiving and sending money. Families use economic services to build incomes, decrease possibility, and keep against liability often increase by economic crises, sickness, and natural disaster. The purchase assets reduce the poverty help to increase the living standard support the health and education services increase. Mostly the Commercial banks do not help these households. But the conventional banks failed to help this market for many reasons like for microfinance business the business model unable to suit this structure characterized by high-volume, low-value transactions. Secondly, they hire traditional advancing technologies based on security requirements (to which the unbanked generally don't have access). The conventional banks believe the unbanked are unable to repay save money or loans. Mostly the developing countries have a large number of peoples they do not approach to avail the credit that is the major cause of poverty. Globally, Poverty is an inadequate income or a shortage of resources with which to meet needs (Alkire and Foster, 2011). Poverty manifests itself as material deprivation and often leads to poor physical and mental health, restricted social and economic mobility, social isolation and powerlessness. All over the world, in different nations, poverty has always been under consideration. The causes containing a loss of individual responsibility, bad state policy, profiteering by people and businesses with power and influence, some compound of these and other aspect. In Britain, people in poverty are instead more likely to describe their everyday experiences as , limited, constrained, full of
Alexander Decker
mohammad shamsal islam
This study is about micro credit and its contribution to the improvement and poverty reduction for millions of the poorest people of Bangladesh. Micro credit has a huge impact on the lives of millions of poor people particularly to women. Numerous scholars and NGOs have been working with micro credit to reach poor people, who are still not benefited by the conventional financial system. In this study, it has been tried to present evidence of the important contributions made by micro credit in the eradication of poverty by increasing the income generating activities, empowerment of poor people to access development services such as health and education, and reduction in vulnerability. Micro credit is now being considered as one of the most important and an effective mechanism for poverty reduction. Present study describes about micro credit activities and helps to investigate the impact of micro credit on the poor people of the society with the main focus on target people of the study area. Researcher mainly concise this study through client’s (the poor people, who borrowed loan from micro credit institutions) perspective and build up this research based on questionnaire survey and field observation. Therefore, the objective of this study is to show how micro credit works to improve the quality of poor targeted groups and reducing poverty and how it affects the living standard (income, saving & health etc.) of the poor people in study area. Several micro credit institutions are working in the study area. Grameen Bank, BRAC, ASA and PROSHIKA are some of the prominent of them. These institutions are working tremendously to the empowerment, poverty reduction and improvement of living standards for the poor people in the study area. Keywords: Micro credit, MFIs and Poverty alleviation.
Shihaab Udiin
papers.ssrn.com
Vrajlal Sapovadia
Philippe Adair
importance in the landscape of economic development: microcredit and migrant remittances. So far, the microfinance industry is expanding and has played indeed a significant role in improving the livelihood of many poor people (Van Rooyen et al, 2012). At first glance, the ‘microfinance promise’ (Morduch, 1999) is fulfilled. However, microfinance institutions (MFIs) experienced success stories as well as failures that depend upon strategies vis-àvis their customers and their maturity. It is worth noticing that MFIs from Sub Saharan Africa and the MENA region share similar features, although the former region is the poorest whereas the latter is the youngest in microfinance industry: they are facing extending regulation (Ndambu, 2011) and their expense ratio is the lowest (MIX & CGAP, 2012). There is an ongoing debate regarding the trade-off between social outreach and financial sustainability in the microfinance industry. On the one hand, the so-called welfarists’ school holds that t...
Hamza Qummar
Article History Received: 01.11.2018 Accepted: 07.11.2018 Published: 30.11.2018 Abstract: Poverty is a serious issue which is faced by masses around the world. This study aims to determine whether the microfinance institutions established for the purpose of reduction of poverty have been successful in achieving their objective or not. Primary data was collected for the proposed research study through structured questionnaires. In order to analyze the collected data multiple liner regression and paired t-test were applied. Outcomes illustration that microfinance has a durable positive effect on children education and enterprise financial performance. Though, there is varied indication found on food security, household expenses and household assets. No effect has been detected on housing and income smoothening of enterprise. Among other independent variables, it was exposed that number of salaried persons was originate to be very important variable contributing to the wellbeing of the...
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The research questions outlined for this thesis include: 1. What credit management practices are implemented by uniCredit? 2. What credit policies are implemented in Finland? 3. What is the impact of credit management on the financial performance of uniCredit? Credit management is essential to manage and control the risks associated with credit ...
The respondents who strongly low had the highest frequency. This implies that the MFIs use collection policy in Credit Management. Preparation of collection policies have been a challenge in credit management Figure 5.14 illustrates the responses in finding out if formulations of collection policies have been a challenge in credit management.
A THESIS SUBMITTED INPARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTERS OF BUSINESS ADMINISTRATION (MBA) ADVISOR: SOLOMON MARKOS (PhD) May 30, 2020 ADDIS ABABA, ETHIOPIA . ... Credit management is a comprehensive process made up of the monitoring of loan facilities,
4.3 Interpretation of Findings. From the findings as shown in Table 4.10, the value of adjusted R squared was 0.761 an. indication that there was variation of 76.1% on financial performance of MFIs in Kenya due. to changes in client appraisal, credit risk control and collection policy at 95% confidence.
Credit Management Practices and Loan Performance: Empirical Evidence from Commercial Banks in Kenya May 2020 International Journal of Current Aspects in Finance Banking and Accounting 2(1):51-63
This thesis entitled "Credit Management [A Comparative Study of Himalayan Bank Limited and Nepal Arab Bank Limited]" has been prepared for the partial fulfillment of the requirement of Master Degree of Business Studies (M.B.S.) under Faculty of Management, Tribhuvan University.
credit management practices and loan performance of commercial banks in kenya . irene muthoni mburu . d58/cty/pt/24784/2013 . a thesis submitted to the school of business in partial fulfillment of the requirement for the award of a degree of master of science (finance) of kenyatta
collect the loan. The bank faced problems with credit management practice including non-performing loan at various levels and identified the causes of NPL. The researcher concluded that the bank used different credit management tools, techniques and assessment models to manage their credit risk to reduce the amount of loan default.
Credit Risk Research: Re view and Agenda. Stephen Zamore, Kwame Ohene Djan, Ilan Alon & Bersant Hobdari. To cite this article: Stephen Zamore, Kwame Ohene Djan, Ilan Alon & Bersant Hobdari (2018 ...
A Study on Credit Risk Management of Standard Chartered Bank Nepal Limited and Rasriya Banijya Bank and found the Thesis to be the original work of the student written in accordance with the prescribed format. We recommend the Thesis to be accepted as partial fulfillment of the requirement for Master's Degree of Business Studies (MBS)
The main objective of the study was to investigate the effect of credit management techniques and lending practices on financial performances of commercial banks operating in Bahir Dar City. To address the research objective, a total of 258 respondents who are working in areas of credit management and lending were purposively selected.
This questionnaire is prepared in order to conduct a study for the partial fulfilment of the requirements for the Award of a Master's Degree in Accounting and Finance at the University. The title of the research work is, "Assessment of Credit Risk Management Practices in The Case of Bank of Abyssinia S.Co.''.
This doctoral thesis focus on the application of credit risk management in different areas. To better understand the credit risk management, in the first chapter, we introduce the basic ideas in credit risk management and review the models developed in the last decades.
v Acknowledgment This study entitled Credit Risk Management and Performance of Commercial Banks has been conducted for the partial requirements of the degree of Masters of Business Studies (MBS) of Tribhuvan University.Every project whether it will be big or small it will become successful manly due to the effort of wonderful people
importance of credit risk management as well as controlling bad debt rate in the economy. The research for this thesis is mainly done in ANZ Vietnam with the help of three employees and one manager of the Collections Department, Loan Assessment Department and Fraud Department. This thesis also tries to create a picture of the
The result obtained indicated that the credit management strategies sub-variables-credit risk assessment, debt recovery strategy, receivable collection policy, have positive and statistically ...
A THESIS SUBMITTED TO ST. MARY'S UNIVERSITY, SCHOOL OF GRADUATE STUDIES IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE MASTERS DEGREE IN ACCOUNTING ... findings of this study suggest that improving credit management, increases efficiency of asset management, and eventually increase commercial banks' profitability in Ethiopian baking
This doctoral thesis focus on the application of credit risk management in different areas. To better understand the credit risk management, in the first chapter, we introduce the basic ideas in credit risk management and review the models developed in the last decades.
The subject of this thesis is credit risk at Lithuanian commercial banks. The key objective of this thesis is to analyze credit risk management practice, problems and provide with the offers to solve these problems. The hypothesis of this thesis is that credit risk management has not been developed sufficiently at Lithuanian commercial banks.
analysis of the credit risk management systems and practices in commercial banks of ethiopia: a case study of commercial bank of ethiopia, hq. by nininahazwe pacifique july, 2019 addis ababa, ethiopia. i ... a thesis submitted to the department of project management, st. mary's university for the partial
CREDIT RISK MANAGEMENT OF COMMERCIAL BANKS IN NEPAL A Dissertation submitted to the Office of the Dean, Faculty of Management, in partial fulfillment of the requirements for the Degree of Masters of Business Studies by Mandira Khadka Symbol No.: 2710010 T.U. Registration No.: 7-3-271-357-2015 People's Campus Kathmandu April, 2021
It is certified that thesis entitled Credit Risk Management and Financial Performance of Commercial Banks in Nepal submitted by Puja Laxmi Shrestha is an original piece of research work carried out by the candidate under my supervision. Literary presentation is satisfactory and the thesis is in a form suitable for publication.
Email: [email protected]. Abstract: This study is an empirical investigation into the quantitative effect of credit risk management on the. performance of Nigeria's Dep osit ...