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首页> 外文期刊>Journal of Economics and Financial Analysis >Implication of Credit Supervision Practices on Portfolio at risk of Microfinance Institutions in Tanzania
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Implication of Credit Supervision Practices on Portfolio at risk of Microfinance Institutions in Tanzania

机译：坦桑尼亚小额信贷机构投资组合的信贷监督实践对投资组合的影响

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摘要

This study seeks to establish the implication of credit supervision practices on portfolio management of microfinance institutions in Tanzania. Utilizing multivariate regression technique over sampled 219 microfinance institutions from Dar es Salaam, Morogoro and Dodoma regions, it documents two plausible results. First, the study finds that timely loan release and number of borrowers per loan officer have positive and statistically significant impact on portfolio at risk of microfinance institutions. Second, it reveals that operation cost per borrower and provision of training sessions to borrowers have negative and statistically significant impact on portfolio at risk of microfinance institutions.These results suggest that microfinance institutions can diminish portfolio risks by (1) decreasing number of days for processing clients’ loan applications and releasing funds; (2) decreasing number of clients per each loan officer in order to increase efficiency of loan management of the officers; (3) increasing training sessions on various skills given to their borrowers which will increase knowledge and skills of clients on the best ways to keep their business records and proper utilization of funds, and so successful repayments; (4) allocating enough budgets for overall supervisory purposes including loan appraisal processes, disbursement procedures and collection of funds from their clients.
机译：本研究旨在建立信贷监督实践对坦桑尼亚小额信贷机构组合管理的含义。利用多元回归技术从达累斯萨拉姆，摩洛哥罗和多云地区的取样219小额信贷机构，它记录了两个合理的结果。首先，该研究发现，每笔贷款人员的及时贷款释放和借款人数量对小额信贷机构风险的投资组合具有积极和统计学意义。其次，它揭示了每个借款人的运营成本和向借款人提供培训会议对小额信贷机构风险的投资组合产生负面和统计学意义。结果表明小额信贷机构可以减少（1）减少加工天数的投资组合风险客户的贷款申请和释放资金; （2）每笔贷款人员的客户数量减少，以提高军官贷款管理效率; （3）增加对其借款人的各种技能的培训课程，这将提高客户的知识和技能，以保证其业务记录和适当利用基金的最佳方式，以及所以成功的偿还; （4）为整体监督目的分配足够的预算，包括贷款评估程序，支付程序和客户的资金收集。

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