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首页> 外文期刊>European Journal of Business and Management >Is There a Tradeoff between Outreach and Sustainability of Micro finance institutions? Evidence from Indian Microfinance Institutions (MFIs)
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Is There a Tradeoff between Outreach and Sustainability of Micro finance institutions? Evidence from Indian Microfinance Institutions (MFIs)

机译:微型金融机构的服务范围与可持续性之间是否需要权衡?来自印度小额信贷机构(MFI)的证据

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There has been an argument in literature that the more Micro finance institutions (MFIs) aim for financial sustainability the less will be the impact on poverty reduction and hence, there is a tradeoff between outreach to the poor and financial sustainability. As part of empirical evidence on the ongoing debate, the paper has tried to examine a tradeoff between outreach to the poor and financial sustainability based on the recent (2009) data on 85 Indian MFIs using correlation matrix. In this regard, the finding of this study does not support a tradeoff between outreach and financial sustainability more specifically the simple correlation between average loan size (proxy to depth of outreach) and operational sustainability is found to be weak. Furthermore, the correlation between number of women borrowers (alternative proxy to outreach) and operational sustainability is also very weak. However, the study revealed that there is a strong positive correlation between the number of active borrowers (breadth of outreach) and operational sustainability.
机译:文献中有一种论点,即微型金融机构(MFI)致力于实现金融可持续性的目标越多,对减少贫困的影响就越小,因此,在向穷人提供服务与金融可持续性之间需要权衡取舍。作为正在进行的辩论的经验证据的一部分,本文试图使用相关矩阵,基于最近(2009年)关于85个印度小额信贷机构的数据,研究对穷人的援助与金融可持续性之间的权衡。在这方面,本研究的结果不支持在推广和财务可持续性之间进行权衡,更具体地说,发现平均贷款规模(代表推广深度)与运营可持续性之间的简单相关性较弱。此外,女性借款人的数量(外展活动的替代代理人)与业务可持续性之间的相关性也很弱。但是,研究表明,活跃借款人的数量(扩展范围)与运营可持续性之间存在很强的正相关关系。

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