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首页> 外文期刊>European Journal of Business and Management >An Econometric Evaluation of Microfinance Institutions Performance through Savings Mobilization and Loan Deployment in Northern Uganda
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An Econometric Evaluation of Microfinance Institutions Performance through Savings Mobilization and Loan Deployment in Northern Uganda

机译：通过储蓄动员和贷款部署在乌干达北部的小额信贷机构绩效的计量经济学评估

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The study investigated microfinance institutions performance through savings mobilization and loan deployment in the Acholi sub region using an econometric approach. The specific objective was to examine the structural stability of the districts on micro savings mobilization and loan deployment within the sub region. The study was carried out in the seven districts of the sub region. Panel data were pooled for all the microfinance institutions in the sub region on the levels of savings, loans, capitalization funds and the number of beneficiaries for the period 2008 to 2011. The application of the econometric techniques were in sequence from the Pooled Regression Model to the differentiation in choice between the Fixed Effect Model and Random Effects Model. Further, the data were tested for heteroscedasticity and covariance structure of the variables so as to ascertain the robustness of the estimators. The districts were structurally unstable due to differential intercepts, which is the underlying average loan deployed for each of the districts and not slopes, which indicate the variations in loan deployment resulting from a unit change in the covariates savings, capitalization funds and the number of borrowers. There is need to increase both equity and debt funds as components of total loanable funds so as to enhance the operations of SACCOs across the districts. Equity funds should be increased internally through upward revision in the per unit share capital to be bought upfront by members who are joining the SACCO. Debt funds could be sourced externally from both local and foreign lending agencies. Keywords: District Structural Stability Tests, Micro Savings and Loans, Acholi Sub Region, Uganda
机译：该研究使用计量经济学方法，通过在Acholi次区域的储蓄动员和贷款部署调查了小额信贷机构的绩效。具体目标是研究该分区域内各地区在小额储蓄动员和贷款部署方面的结构稳定性。该研究是在该次区域的七个地区进行的。汇集了该次区域所有小额信贷机构关于2008年至2011年期间储蓄，贷款，资本化资金和受益人数量的面板数据。计量经济学技术的应用顺序是从汇总回归模型到固定效应模型和随机效应模型之间的选择差异。此外，测试数据的变量的异方差和协方差结构，以确定估计量的稳健性。由于差异截距，这些地区在结构上是不稳定的，截距是每个地区而不是坡度的基本平均贷款，这表明协变量储蓄，资本化资金和借款人数量的单位变化导致贷款部署的变化。 。需要增加股权和债务资金作为可贷资金总额的一部分，以增强SACCO在各地区的运作。应通过向上修订加入SACCO的成员预先购买的每单位股本在内部增加股本资金。债务资金可以从本地和外国贷款机构外部获得。关键字：地区结构稳定性测试，小额储蓄和贷款，乌干达Acholi次区域

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