Science topic

Microfinance - Science topic

Microfinance for inclusive growth
Questions related to Microfinance
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I am doing research in the evolved form of microfinance which has been influenced with financial technology. Kindly reach out I look forward to your response. Thank you!
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Dear Naomy Simiyu,
Greetings.
I have a Nigerian friend who has completed M.B.A. and M.Sc. in Nigeria.
He is doing another M.Sc. in FinTech in Bristol, West England.
I am giving you his WhatsApp cell phone number so you can contact him.
You can refer to my name.
His name is Adewale Joel Adebisi. WhatsApp: 44 78 49 63 72 30
Hope he will help you somehow.
You can send your email so that I can forward it to him.
I have guided Microfinance at the Master's level, but FinTech is modern software that needs detailed software applications.
Looking forward to hearing from your reply.
Regards
Senapathy
Ethiopia
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I'm trying to get the data of loan officers from microfinance(how many borrowers they approach, loan amount outstanding, the portfolio risk, the percentage of complete repayment, etc). Can anyone suggest to me the database to use data for the panel data model?
Thank you.
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Data about customers are sensitive and confidential and I doubt if any bank will like to release data about customers' loans. In my country (Nigeria) there may not be possibility of getting online information to capture this data because of fraudsters. I therefore have no idea of how clearance and permission can be given by Micro finance bank to get customers data about loans for research..
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Most microfinance institutions were founded as non-profit organizations with main mission of providing financial services to the low income class or financially excluded people, mostly women. Although, it appears that transformation of microfinance institutions into regulated financial institutions comes with many benefits such as influx of new capital, deposit mobilization, increase outreach and improved management and governance among others. There is fear that transformed microfinance institutions may deviate from their original mission to serve the low income class and alleviate poverty. More specifically, some observers believe that the transformation of microfinance institutions into regulated financial institutions may encourage profit motive over social impact of alleviating poverty.
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transformation in this paper is defined as an establishment of a regulated. financial institution (RFI) by a non-government organization (NGO) or a. group of NGOs by transferring its loan portfolio completely or partially to the. RFI. Among the varying factors that motivated the microfinance NGOs to
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What shape the Loan repayment behavior of individuals in microfinance institutions?
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There are a lot if research on Loan Repayment Performance of Rural Farmers in Ethiopia but this research is somewhat similar to Farmers in developing countries.
When you talk about the Behaviour aspect that will indicate the Psychological factor of related variables such as Attitude, Achievement Motivation, Perception, Risktaking Behaviour etc.
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What are the basic determinants for absolute poverty measurement?
How we will measure the absolute poverty in term of microfinance?
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See this article, it might be helpful
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Please I need a phd topic about climate change and microfinance
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The term Climate Change has been connected with many dimensions in the community of the different stakeholders.
Of course, the results and side effects of Climate Change has many impacts among the people and livestock's in many developing countries mostly.
The researcher is looking for a title for PhD. I can suggest that Climate Variability influence on Household Resilience of Microfinance beneficiaries in the ..........District, South Ghana.
The respondents could be either male or females beneficiaries of the MFI and how they are managing the difficult times of Climate Change to overcome the challenges and vulnerability.
MFI beneficiaries livelihoods can be adjusted with available facilities of Microfinance during the Climate Change periods.
The scholar has to check the Dependent variable and Independent variables in connection with suitable econometric models will help to measure the results of the Impact of Climate Change.
Hope many comments are yet to come from other academicians or researchers.
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I have a ready manuscript based on empirical research of Small Finance Banks, microfinance factors using SmartPLS model. Can any of the researcher here with related expertise help me in reviewing the paper ?
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go through my research
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Was talking to a smallholder farmer in rural Kenya. He took a loan from a local bank to do maize (corn). Unfortunately the crop failed. The Bank is on his neck.
do you think there could be a better way to design these loans to smallholder farmers so that financial tools like loans, meant to empower them do not turn out as torment.
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While the policies may be good on paper, their implementation has a lot to be improved. Insurance may partly offset and waivers are more political, pre-election stunts. Diversified cropping and having multiple sources of Income are the only two ways to cushion the impact. Governments need to intervene to stop banks from getting aggressive on collections/recovery. .
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Dear senior researchers,
i am researching on the impact of microfinance on the sustainable livelihood of women. i have taken the 5 parameters of sustainable livelihood namely physical capital, human capital, social capital, social capital and natural capital. for each of my parameters i have pre(BEFORE JOINING MICROFINANCE) and post (AFTER JOINING MICROFINANCE) question.
my questions are all binary in nature like options like yes and no.
which statistical tool would be appropriate for my study?
Thanking you in advance
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I have as an example my country and specifically the micro-region where I live: we have a cooperative bank that, by financing small producers, turned us into a hub for the production of milk, chickens and swine. In addition, we have small factories for clothing and food products derived from meat and vegetable fairs.
Also, with microcredit, we are starting to make wine, with the production of grapes in a place where nothing had been planted before.
This is the scenario I am following.
Cheers!
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Title: Mechanisms for Creating Liquidity in a Rural Setting: A Description of Existing Banking and Financial Regulations in Guatemala, Nicaragua, and El Salvador for Using Cattle and Trees as Loan Collateral
So far I have only find two sources citing it but not the actual article. Neither did I manage to find contact details for the author.
Any help would be greatly appreciated.
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I'm not sure about it.
may be this will help.
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Why is there so little research work done on the INR 2000 billion Indian Microfinance Industry?
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The microfinance model has been overtaken by the digital-fintech model of financial inclusion. There is a lot of research in financial inclusion in the World Bank (including data base) and Alliance for Financial Inclusion (AFI) are institutions promoting such studies. The answer to your question depends on what you see as the heart of microfinance. The essence of microfinance has been described as “delivering useful financial services to tens of millions of people in a businesslike way.” This is akin to “providing financial services in a way that helps people move themselves out of poverty.” Financial inclusion seeks to make sure that everyone has access to useful financial tools, while microfinance wants to make sure that the use of those tools leads to positive benefits for those living in poverty. Defined this way, microfinance links in with other development needs, like health, education, housing, and access to markets.
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Dear All,
I am currently working on the following research
The effectiveness and efficiency of Microfinance Institutions operations
Areas that i am going to be looking at this research are:
> Base interest rate and interest of MFI
> Areas of investments
> Return of investments (RoI)
> Legal entity and the structure of the MFIs
> Moral and ethical standards of the MFIs
> Portfolio at Risk (PaR):
Due to the condition caused by the COVID, i am unable to become a member nor to visit a resourceful library . Therefore, i would highly appreciate if you have any guidance or share a copy of literature / research related to this field.
Looking forward to hearing from you soon
Most Kind Regards
Agron
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'village banking system has been developed by Muhammad Yunus with considering rural context of Bangladesh. Is it useful to the other developing countries to achieve rural development? What are the challenges of this approach ?    
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Yes
Agreed with reply by dear Imran Zubair
Akhuwat has done it
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hello everyone, I am doing research on microfinance and social capital. I want to see if services provided by microfinance enhances social capital among the clients. some have recommended me to go for principal component analysis and logit regression to measure social capital, but can you suggest to me other alternatives how I can go about measuring social capital in microfinance.
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Dear Kencho:
It´s a very good point the one you choose. As far as I know, there are not absolute answers to what you are asking. That because Microfinance is a broad subject that has many different type of organizations behind. I suggest you authors and an organization: Begoña Gutiérrez Nieto, Carlos Serrano Cinca, Roy Mersland, experts on these subject, and CERMI: Center for European Research on Microfinance, they´ll be useful.
Regards
Gustavo Concari
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I am planning to conduct a meta-analysis on the efficiency of MFIs from existing literature, restricted to DEA/ SFA based studies. However, most DEA/ SFA based meta-analyses (Thiam and Bravo-Ureta (2005); Odeck and Bråthen (2012); Kiadaliri et. al (2013) Fall et. al (2018)) use the mean technical efficiency (MTE) as a measure of effect size usually without compensating for sampling bias (they included sample size as a moderating variable instead). Is there any other way to compute a different measure of effect size for DEA/ SFA based studies that compensates for bias like the Hedge's g or Fisher's z?
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Anirban,
You are into something interesting yet, intricate. I agree with Ahmed that we need to know what your goal is with the analysis/ research. The intricacy of your problem since you are dealing with Meta-analysis of technical efficiency (TE) studies, is that you need to know how representative those individual studies were in terms of representing all the DMU’s in the sectors they addressed. Good scientific papers will always address the representativity of their data sets and, they are normally representative such that Mean TE’s (MTE) can be considered as representative. This is the reason that Thiam and Bravo-Ureta (2005); Odeck and Bråthen (2012); Kiadaliri et. al (2013) Fall et. al (2018)) use the mean technical efficiency (MTE) as a measure of effect size without further consideration of sampling bias. Therefore, and in the first instance, you could proceed by using the reported MTE’s as well.
Next and given that you want to consider sampling bias as something new which has not been considered in the literature of meta-analyses of MTE’s, the only option left for you is to go through the abundant literature and ask the individual authors how representative their data were with regards to the total population of their DMUs. If their studies were not all that representative, you may use the information they provide to correct for sampling bias and then produce a paper that goes further to pinpoint the sampling issue. This may be a cumbersome process that may take time to accomplish since a meta-analysis normally includes many studies.
Finally, if you feel that the TE data should be normally distributed and you have good arguments for it, you could apply e.g., the Fisher transformation; but please explain why. Note now that SFA-based-TE’s for instance, apply non-normal distributions built on real observations!
I hope this helped.
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Hello
Dear Researchers
Can anyone tell me where I can get information about the full portfolio of microfinance in India?
through wich website?
or through which office?
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Ok, sure Emmanuel V Murray Sir
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With the recent change in the global market this year, how should microfinance institutions response the situation? Is there any practical actions they can do to help people who are adversely affected by the situation?
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Microfinance can survival by designing programs that support business recovery from the virus. With that microfinance can secure funding from donor agencies and government agencies to run such programs.
Also, the government can use microfinance as the channels to implement the business recovery programs especially for small business
Hope this helps
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What Economic Activities taken up with Microfinance loans can yield returns greater than 25% which is the usual cost of a micro loan in India?
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I agree with previous comments, such extreme loans conditions are not common in most countries and may even be illegal, most types of economic activities (moreover for micro activities) cannot be expected to definitely earn such high returns
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Microfinance said we support young and women entrepreneurs did they fulfill their promises or not?
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Micro Finance Institutions is a Registered organisation which is lending the credit to the Small and Micro Enterprises for poor people mostly. The banking transactions processes are user-friendly to the customers. MFIs are encouraging the budding entrepreneurs as well as experienced entrepreneurs. Grameen Banks are like MFIs was started by Nobel laureate Prof.Mohamed Yunus and GB are issuing Micro credits to the poor ones. MFIs supporting rural entrepreneurs, agri-preneurs and unemployed rural youths etc. There are many successful case studies research reports are in both developing and developed countries in the world.
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A lot of people are lending funds through microfinance organizations like kiva.org. What are the main challenges with person to person microfinance? Does this type of lending actually have positive impact? Is it an efficient way of lending? I am looking for research on efficiency and impact of microfinance both more in general and as person to person.
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key challenges facing microfinance businesses are improper regulations, increased competition from the formal banking sector, instability, limited management capacity, political interference, high transaction cost, inadequate investment in agriculture development. Some the challenges microfinance banking are, regular changes in government policies, lack of requisite human capital, infrastructural inadequacies and socio-cultural misconceptions. In addition to these, the banks are further inhibited by corruption, frauds and forgeries and poor corporate governance in developing countries.
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The debate over microfinance impacts is continuing despite its widespread application as an antipoverty program around the globe. Even the World Bank, DFID, the advocates of microfinance, expressed their doubts over its impact on poverty. Nonetheless, one of the antipoverty strategies of SDGs is microfinance intervention. So what could be the alternative antipoverty program in place of microfinance?
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The Comilla model did show an important thing; that elites will always try to block or abuse genuine pro-poor institutions and interventions. I've seen it a lot in my career when potentially successful cooperatives have been destroyed by a tiny few insiders determined to make money for themselves by privatising the assets somehow. Indeed, the whole history of the UK coop movement - once the world's most advanced - is of insiders and outsiders collaborating to steal the asset base created by past generations. However, I question your contention that the poor are in in poverty because they are ''being denied resources and opportunities'. First, they have the financial resources in the form of microcredit in abundance, which is why so many countries are seeing mass overindebtedness. So there appears to be plenty of finance around. The problem is the second issue: (market) opportunities. And here we find that poor communities simply do not have the demand (purchasing power) that is required to support lots more microbusinesses into operation.That was the absolutely fundamental error committed by Muhammad Yunus (and many others since) when he advocated that everyone could easily become self-employed in their own community. Today advocating that the poor can escape their poverty by starting a microbusiness is a cruel deception, akin to saying the poor only to have buy a lottery ticket and they will escape their poverty.
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Research Topic - Borrowers demographic characters (IV) and microfinance loan repayment performance (DV).
Hi-Age
H2- Education level
H3 - Gender
H4 - Marital Status
H5 - Household Size
Based on the above IV how can I build 70 questionnaires for my research instrument? (Minimum 10 per one IV)
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Research questionnaires come from your theoretical and conceptual model. A literature review will show you how other researchers develop their questionnaires based on the constructs they used. Also you need to test it out with experts to make sure it is understandable and the questionnaires measure what it is intended.
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Your assessments, program reports and other documents that cannot be found in peer-reviewed journals would be useful to inform our current work in this area. We might also have missed some valuable contributions written up in other languages that could advance our knowledge and learning. Thank you!
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You might have come across this already? if so, apologies if redundant.
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Dear RG Colleagues,
Not being a full-time academic or a scholar, I am not clued-in on the International Scene of Conferences and Seminars in mt areas of work. Agriculture and Rural Credit and microfinance. Where can I get this information, and how can I get myself updated on an ongoing basis? Will be grateful for your kind help,
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Dear Emmanuel,
As suggest above, I recommend conference alert in addition to ALL Conferences and World Conferences
please see websites below:
You can subscribe to a specific area so you get the alerts automatically.
I hope this helps.
Best Regards,
Alaa Garad
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Is Initial Public Offerings (IPOs) are mispriced and underperformed in developed, developing and under developed economies?
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Depend on economic conditions, business situations , level of efficiency of stock market and economic development.
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If we have to study the impact of financial assistance on the profitability of SMEs, using cross-sectional data from beneficiaries and non-beneficiaries. What are the different techniques to do so?
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I am interested in empirical work in the Indian context of the impact of Microfinance in Poverty Alleviation.
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Dear Colleagues and Friends from RG, Microfinance and micro-loans can significantly complement the classic systems of financing the activities of business entities of the SME sector and the consumption of citizens, and can significantly reduce the scale of poverty of citizens. It is important, however, that companies offering micro loans offer their citizens in accordance with the principles of corporate social responsibility and business ethics, i.e. that interest rates are not high, that they are not usury, and that they do not constitute significant competition for the traditional external financing system, i.e. not constituted serious direct competition for banks only to complement the banking system. It is important that companies offering microfinance and micro-loans comply with credit risk management standards, that credit risk assessment is carried out reliably, that the creditworthiness assessment principles of potential borrowers are applied, that the credit risk management process is reliably carried out for both individual loans and entire loan portfolios in specific company granting these micro loans. It is important that microfinance and microcredit are granted to citizens and enterprises in the SME sector who have creditworthiness, i.e. to avoid an increase in systemic credit risk and not to lead to a financial crisis. It is also important that micro loans play an important macroeconomic role in supporting small, innovative business entities, and to significantly support economic growth. Thanks to micro-loans, many new jobs can be created in the sector of micro-enterprises and companies in the SME sector, entrepreneurship and innovation can be activated. It is important for the state to effectively improve legal norms on the basis of which the micro-loan market can function. In connection with the forecasted slowdown in economic growth in 2020, caused by the development of the Covid-19 Coronavirus pandemic, the importance of microfinance and micro-loans is increasing significantly.
I conduct research in the field of effectively conducted, reliable credit and loan procedures, research on the creditworthiness of potential borrowers, processes of identifying and analyzing credit risk levels, processes of improving credit risk management, etc. I have published the conclusions from the research in scientific publications that are available on the Research portal Gate.
Best wishes.
Dariusz Prokopowicz
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I am planning to conduct a research on Microfinance and want to see the impact of Microfinance on income, food security and women empowerment. I am in the process of making a questionnaire for the same. I would really appreciate if anybody would like to contribute by sharing their thoughts or by providing any materials. Thank you very much .
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By asking related questions.
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Efficiency in financial institutions is heavily skewed towards commercial banks. Are efficiency measures for banks similar with MFIs?
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Kindly assist I need variables to measure credit and also to measure poverty reduction
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There is a really strange phenomenon in Chinese stock markets. When the regulation institution decides to get some new companies listed (it is noteworthy that IPO has to get permission from Securities Regulatory Commission in China), the stock market drastic falls and the Chinese investors sell out their stocks crazily.
Some argue that more stocks listed means that more money is needed by the market, but the supply is constant in the short term. So the stock price falls. But I don't think it explains well what we observe.
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This is an interesting phenomenon. I hope by now (2020), the situation has much improved.
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hi dear researchers
i'm in my first year PHD i'm working on islamic microfinance and its impact on poverty in Morocco
for now, islamic microfinance isn't implemented in Morocco so my study is exploratory.
my question is which model should i use in this case ( the empirical study ) ?
thank you
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Microfinance is not implemented in Morocco; poverty exists in Morocco. Microfinance is implemented in many countries in the world; poverty still exists in all those countries. Microfinance does not eliminate poverty. It creates debt for poor people who otherwise would have been poor and debt free. With microifinance, they are still relatively poor and has debts to repay.
What are real causes of poverty? Microfinance is the answer if the cause is the lack of capital or access to capital. However, it is not the case. See here for primary causes of poverty:
  • Unemployment
  • Education
  • Inflation
  • Poor ultilization of resources
  • Poor government policy or poor governance
  • Overpopulation
  • Epidemic disease
  • Debt
  • Corruption
  • Extreme weather
  • Lack of control in local food
Microfiannce does not address the main causes of poverty above. See https://en.wikipedia.org/wiki/Causes_of_poverty
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I am trying to find datasets of microfinance at country level (number of IMF, number of clients, number of microcredits, etc.). Can anyone suggest me some good database to use the data for a panel data model?
Thank you
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Please not that from 2019 the MIX is now free after it was handed over to the World Bank.
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I working on a research proposal (the effect of public trust on the demand for microfinance services). The research is as result of recent collapse of microfinance institutions in my country by the government because they claim they are not solvent and the difficulties the customers of the collapse microfinance institutions are going through to retrieve their locked up funds.
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The critical variables maybe as per my understanding Professor Kjartan Skogly Kversøy
Public trust and Demand: loan terms and conditions, grace period, interest, weather, institution, bond, etc...
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There is a general feeling that the market has matured and scope for new institutions is limited.
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Rural people need cheaper and sufficient fund with flexible repayment mode. Hence, there is a huge scope for new institutions which can develop such products. I think financing to the CMSMEs and Agriculture through Agent Banking Outlets of commercial banks can sustainably eliminate poverty.
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Kindly Anybody guide about source of data regarding the Board of governance of MFIs and demographics of board members ( such as size, experience, gender etc) of MFIs? From where I can find this data ( any database or any other source) ?
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you may see the governance framwork of state bank of pakistan
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Dear Colleague,
I am editing a special issue related to microfinance in The Journal of Development Practice, publish by Don Bosco University in India. The article will be published free of charge and detail information about the special issue can be found in the link below.
You can directly submit your paper (abstract at this stage) to the journal, however, if you have any concern related to submission, kindly drop me an email at: aslammia@usm.my
Thank you.
Regards
Dr. Md Aslam Mia
Universiti Sains Malaysia
Pulau Pinang, Malaysia
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Great
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I m interesting to do an Research related to Impact of Microfinance to Empower Female Entrepreneurs, I need same questionnaire for this research
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Dear All,
I am looking a questionnaire (actually the sample) about knowledge. My research is "adoption of Islamic Microfinance by entrepreneurs " and "Knowledge" is one of the variable. Anyone can help me please? Thanks
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I am looking for names of microfinance institutions across the globe that have listed their shares in stock exchanges. If you know one please send me a name. I have access to the MIX database so I will investigate further once I have names.
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The microfinance sector in Mexico is a complex mix of institutions. There are institutions with diverse approaches for profitability, legal barriers and management philosophy. Since 2009 the sector includes two new players with a social engagement that implies low profitability but high social welfare because that focus on financial excluded people. The stability of these institutions is an important topic for study. In particular is interesting identify: what are the key factors related to profitability in microfinance institutions in Mexico?
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In micro finance, the two key factors are margins and scale.
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I have run the statistics in SPSS for my SOP No. 4, "What factors determine the behavior of the respondents towards formal microfinance?" and found no significant variables after running Binary Logistic Regression. 
I tried correlation analysis to see if there is multicollinearity. The highest correlation was between ATT and PBC. Then I tried BLR again without ATT and I got better results. Is it okay to drop Attitude for this analysis sir even if the correlation is only 0.698? I have attached some results (before and after dropping "attitude" for your reference. Thank you and regards
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discriminant analysis.
.................. it can be used to determine which predictive variables are related to dependent variable.............
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I'm working on a financial inclusion project that wants to use a survey to engage with clients of digital financial systems (DFS) in rural areas and am looking for a tool recommendation - possibly SMS based, or Voice interactive response system, or mobile phone app (but less desirable).
Would love to hear of peoples experiences and suggestions.
Thanks
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I think Dr. Achmad Rizal has explained and spoke well and values.
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Dear all,
I am wishing to investigate on linkages between microfinance and sustainable (renewable) energy and/or climate change issue. I have found the area has limited previous studies. Thus, I am looking for suggestions, opinions, advices and sources of material, literature and data.
It would be helpful, if you put your thought about different dimensions of the linkage between mentioned issues.
Particularly, how microfinance can support to sustainable energy and/or climate change adaptation?
You can suggest me from both institution’s and borrower’s perspectives.
Thanks in advance.
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Climate change has been global issues and it is necessary to develop strategies to cope risk associated with climatic risk. Microfinance institution can protect farmers who borrow loan from them. We can see successful example of credit gurantee system in Nepal and India.
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Do you know what solutions for non-performing loans? Can you share effective solutions applying in your country?
Thank you very much for your sharing.
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Please see the attached link which redirect you to a paper of mine. You might find it interesting.
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I am searching topic for my PhD finance dissertation. I want to knows the most recent topic in Finance. My area of interest is microfinance and economic development of country.
Thanks
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I agree with Dr @ Pedro Maria Martinez Villar
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Poverty reduction and financial sustainability of microfinance has been an issue since a decade ago. Group lending seems to be a promising solution. Is it true?
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From my field experience in Bangladesh, group lending is merely a technique for securing loan repayment as Trevor mentions above. In some context, this may also have negative consequences. In my case, MFI relies on social networks to form this group and expediat the collection process.e
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Theory of Efficiency and Productivity for Microfinance Institutions.
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many authors writes on this field ,you can check AMAZONE library or google search . but also you give a chance to write in the subject.thanks
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I am looking for articles regarding factors that influence the operational risk performance on the microfinance institution.
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financial inclusion
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I am conducting a research on financial development, financial inclusion and inclusive growth. I need questionnaire to carry out a survey.
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Am equally interested in the questionnaire 
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For my comrehensive viva i need to finalise my Phd title. My objectives are on the line of assessing soci-econimic profile of SHG Members. Their economic empowerment and survival.
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Dear Anushree,
You can consider "impact of microfinance on Human Development Indicators: A case study of SHG members in India" (or any region you select for the study).
Hemlata
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Conventional Banking is an interest based system. Interest is highly forbidden among the Muslim people. But in Bangladesh, Banking job is one of the prime job sector because of its high salaries and benefits. On the other hand, industry is also become a positive image among the people although its interest based. 
Note: Cann't we follow such theory (High Salary and benefit) to other industry which are backward and has bad image (like Insurance industry in Bangladesh)?
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Dear Eyasir,
Your question is truly not related to Islamic Banking. I feel that you just took a jibe at the Shariah compliance of common people. Your question is to revive the pride of employees working in the Insurance sector in Bangladesh. The route to achieve this is high salary. I think this is what you actually wanted to ask.
There is no second thought that money motivates. All HR theories have spoken about this. Similarly Monetary Status improves your life style (beyond standard of living) and hence Social Acceptance and Glorification also improves. Therefore there cannot be any one contradicting your thought.
Regarding Insurance industry, it is the most profitable industry after a period of 10 years of commencement, provided you did not have adverse claims in the earlier years of existence. Once the critical years are crossed and your underwriting of lives is good enough, you can just go on rewarding your employees anyway you like, since medicine and medical technology is improving the longevity of humans, hence early death claims would be not so frequent. That leaves the death due to accidents and catastrophes.
Please check the status of catastrophic deaths in Bangladesh, when compared to other countries and then your insurance companies can think of it.
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Dear Scholars 
I want to measure the financial performance/financial sustainability of microfinance through primary data /survey questionnaires. Please help me in finding the suitable instrument. 
Thanks and best regards  
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What do you mean by financial sustainability? I would think it might mean how long will people continue to put money into microfinance schemes. Or do you mean how long can microfinance schemes continue providing a financial return on investment?
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I need to find TOTAL FINANCIAL ASSETS datas of most important countries for calculate the financialization index (TFA/GDP).
I need hystorical datas (1995-2015)
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Para América Latina, la CEPAL ha publicado reservorios de datos económicos muy amplios. Son de libre acceso.
Para el resto del mundo la OCDE, el FMI y el Banco mundial, hacen lo mismo
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I need data of private investment of Bangladesh.Is the credit provided by banks to private sector equal to private investment in an economy like Bangladesh?
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Economically...YES but not financially. It is not equal but equavalent. Creditor only need the payment+interest (or profit...whatever you called it) but investor need the business profit as long as the investment stays in the business.
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Thanking in anticipation
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Dear Muhamed, Salamalec
How are things? I hope you're doing fne:
see these links: some of them you can dowload
3. (this is a must) http://ac.els-cdn.com/S221256711501134X/1-s2.0-S221256711501134X-main.pdf?_tid=49e669d4-f7a2-11e6-80a7-00000aacb360&acdnat=1487618887_063b3e773ba71cc9c2abc90135fca006 (if you cannot download I can manage to you...if you pay in adcvance a Tcheck Beer - the best beer of ht e world...I am joking
I was in Turkey in 2011 and I've made many friends.
Hope to have helped you. If you go some day to Brazil do not hesitate in call me if have problems (armando1964@gmail.com )
a gift from Brazil:
We are poor, we have problems with corruption and violence...but this PARADISE!
Hugs
Armandão (big Armand)
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Microfinance institutions have been undergoing a transformation from the donor funding model to commercialization. What are other elements of this transformation and how can they be measured?
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You find some answers to your question in our recent paper "From NGOs to Banks..." published in World Development available in full text here at RG
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There is no listing of faith-based microfinance institutions (FB-MFIs) in India. Based on literature review, three FB-MFIs were identified. In order to compare the performance of FB-MFIs with the mainstream (secular) MFIs, 150 clients from FB-MFI (50 from each FB-MFI) and 150 clients of mainstream MFIs were chosen mainly based on convenience. However, in the mainstream MFIs the clients of six institutions were interviewed. To elaborate, this happened because the survey was administered by private recovery agents who collect repayments on behalf of several MFIs.
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The problem of your research determines the sampling techniques. If you are concerned on repayment behaviour your convenient sampling may suffice. Judgmental sampling will be better. Define the criteria of your judgement. However reasonable members should be involved in the survey not less than 30 from each group: FB and mainstream.
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According to Barney (2007, p. 52) “a firm has competitive advantage when it is able to create more economic value than the marginal firm in its industry.” But what is meant by marginal firm?
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Marginal firm is the least profitable firm of the industry. Any increase in cost, this firm is the first to leave the industry.
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For my research I need data on the gross loan portfolio of microfinance of 59 countries. Unfortunately I can not find a dataset which provided this information for free.
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Mix Market has the data. World Bank Data base has from some countries. best one Mis market has a student version for free.
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all
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ORDINARY LINEAR REGRESSION: Given Yi: (y1, y2, ..., yn) dependent variable and Xi: (x1, x2, ..., xn). The simple linear regression of Y and X is simply Y = a + bX where the parameter b explains the relationship between Y and X. This measurement is a measure of direct linear relationship between Y and X.
TOBIT REGRESSION: In TOBIT, the measured relationship is not b. Tobit assumes that there is a latent relationship between non-negative Y and X which may be measured by Y* = a + BX + ui where ui is normally distributed. Y* is not observable whereas in the prior case of ordinary regression Y is observable. Moreover, B could not accurately be estimated by Y = a = bX because the slope would be underestimated and the intercept would be over-estimated. The argument in TOBIT is that using Y*, the estimated B is more accurate.
In micro-finance efficiency measurement studies, one may look into NPL (non-Performing Loans) rate. Say Y = NPL observed over series of period, t1, t2, ..., T and X observed is series of economic indicators Xe1, Xe2, ..., XeE . Simple regression model Y = a + bXe could tell us about direct linear relationship between NPL in micro-finance and the observable Xei. However, using Y* modeling, we may obtain information about latent interaction that contributed to NPL which is not readily observable through Y and Xei. This method is advantageous especially if we deal with secondary data and want to see latent effect between variables---which is not readily observable by the available secondary data (X, Y).
REFERENCE: Tobin, James (1958). "Estimation of relationships for limited dependent variables". Econometrica 26 (1): 24–36. doi:10.2307/1907382. NOT FREE.
See attached articles for later works that are freely accessible online.
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I am gathering data using a qualitative method. The study investigates the perception of women-owners of microenterprises in rural Southeast Nigeria regarding microfinance services. Broadly, the study examines how rural women participate and use microfinance services, their experiences and barriers in accessing credit.  The research focused on perception and risk. One of my Assessors commented that in addition to the approaches (“the
financial system approach and the poverty lending approach.”) that I have identified, it might have been helpful to have at least referred to alternative theories. So, I am seeking suggestions from researchers about suitable theoretical framework I can use to explain/study rural women perception.
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Dear Irene Ukanwa,
It seems you are trying to study a practical gender need. Micro finance is a short term need which address practical  needs of women that promoted under the WID. So you could use the WID ( Women in Development ) as the framework for this study. See the link below for some ideas to be considered.
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Let say, i want to examine the effect of market concentration on interest rates in microfinance. However, if we use the HHI, it only gives us one index for a year. But i do have MFIs for almost 400 and if i use that same index for all MFIs for same year, the results are not significant. hence, can we use market share of individual MFIs as a proxy of market concentration?
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Dear Aslam,
Very interesting topic that you are studying. Unfortunately, in the Indian Micro-finance market today, rates are tightly regulated, so the rates across MFIs are not much different. Broadly from my experience in India I see that concentration does not lead to higher rates, but adding hidden costs as compulsory add-ons and some manipulations. A study of add-ons to credit, and compulsory additional products & services to be taken & foreclosure charges, are some aspects to be studied.
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Any suggested authors/websites/journals?
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You might see my PhD 2014 thesis on-line at QUT Library for substantial list of references.
title of my research was " An examination of microfinance self help groups and the poorest of the poor women in Tamil Nadu, India"
regards.
Gordon.
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What are the main business risks align with Micro finances?
- Micro finance risks
- ways of analyzing the risks
- mitigating and controlling mechanisms
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I think the main risk will be credit risk/default risk....
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How can we see impact of capital structure on the performance of Indian Micro-finance Institutions? what variables we should consider for this?
expert in the field of microfinance.
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The factors on the performance level are denoted as accounting-based return indicators including but not limited to sales and asset growth, net profit, profit margin, cash flow, and several profitability ratios like return on assets (ROA) and return on sales (ROS) and to operational outcomes may be assessed by a ratio of sales to operating costs.
As for capital structure, the discussion of different leverage ( capital structure) measures has been considered by many researchers. Among those measures, according to the literature, the following measures are more justifiable for several reasons.
1- total debt divided by the sum of debt and market value of equity
2-total debt over market value of  equity
3-total debt over total assets
as for control variables- size ( Ln value of net sales or/and Ln book value of total assets) as well as industry classification could be used. 
Good luck,
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The Global Financial Crisis 2008/2009 seems to have affected diaspora remittances among other influences. Micro-finance institutions, being depository and lending institutions, may have been affected by the crisis. Do you think this was the case?
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Well explained. I also agree with Faris Alshubiri.
Best Regards
Jayantha Dewasiri
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expert in microfinance
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 thnaku so much.
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New micro finance models for the rural area in the actual context. The new policy for social and financial inclusion. 
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Dear Otilia Manta
Greetings,
Please , see the attached file about the role of micro finance may be helpful for you.
Best Regards
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Dear Mohammed Zannah
greetings,
Please find the attached file about your topic may be helpful,
Best Regards
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I would like to network with any person/persons who are working in the field of understanding and analysing the impact of Financial Inclusion/Microfinance Interventions on the beneficiaries. Please respond if there is anybody who has completed any Impact Assessment due to Financial Inclusion.
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YEs, i am doing research on Financial Inclusion and couple of papers published (can be downloaded from my profile).
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Grameen Model is one but what are the others?
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Dear Nabila Nisha 
greetings,
Please find the attached file about the the comparing  micro finance models, may be interesting for you ,
Best regards, 
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Is there any literature that links microfinance institutions to green banking activities?
Context of Bangladesh/India will be appreciated.
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Dear Nabila Nisha
Greetings,
please , see the attached file may be useful for you ,
Best Regards
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I am working on a research related to the cooperative based microfinance. I have collected some opinions on a question posted on a specialized online group of microfinance professionals and researchers. I have a few queries regarding the responses collected through this medium.
Is there a special name for opinions collected on a research topic over some online platform (say LinkedIn group)?
Is this method alright or has some inherent weaknesses? Are their ways to overcome?
Can we apply the same qualitative analysis tools to the responses or some specific techniques exist to analyze the responses collected on social media/blogs?
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Najmul:
Here's a study on Social Media that can give an example of how to analyse your data.
Best regards,
Debra
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This can be seen in many disciplines under different terminology. I need to get get as much ideas as possible. Feel free to let me know how it is handled in realms closer to your research. For instance
  • Sociophysics: Opinion formation on social networks 
  • Marketing: viral marketing 
  • Microfinance : Diffusion models to study the influential individuals, etc...
In brief the idea is: given a network, if we need to drive an idea, which node (or agent) we should select. All your comments are highly appreciated. Thank you in advance.
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You need to evaluate authority and hub centrality.  
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There are now empirical studies that dealt with the functioning and impact of Faith-based microfinance institutions. Additionally, the idea of Social Capital proposed by Robert Putnam has also been applied to the Faith-based Organizations. I am trying to explore some ways to make a scale that can measure religiosity/religious tendency/faith-based activities that would lead to the formation of social capital.
Can this social capital be a form of collateral like the one in group capitalized in the Grameen Model?
I need your inputs on something like a credit-rating scale that would atleast give the microfinance practitioners a safe alternative to the collateral and a tool for risk mitigation. I am wondering if it is possible to develop a general scale like SERVQUAL. I am hopeful there are many experienced scholars here who can show me some way to take my research further.
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The suggestions proffered so far don'nt seem to me to concretize or clearly make the construct a religious social capital. I mean clearly stated inclusion or exclusion rules would need to be set up for delimiting the religious social capital. For example, when would a catholic micro finance institution would cease to be catholic microfinance and become a protestant or Islamic microfinance institution. So we need to identify necessary or sufficient, and necessary and sufficient conditions for the instance of your construct.
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Nepal is planning for reconstruction processes which overcome the bad structural health that introduce damages during Gorkha earthquake (Mw>7.8 ) that happened  in 12 of April 2015, killing many lives. The mushrooming cooperatives and micro finance companies exist in almost all district and village development committee. However, the financial resource mobilization as a government grant increase dependency as well as deficit for the individual house construction. Undoubtedly, people stop working. Spend time looking for the humanitarian aids, leaving agriculture field barren and consuming toxic drinks from installment support package for housing. In this connection the self dependency should structured within community by the community based financial institutions. The financial mobilization by micro- finance  institutions definitely decrease parasite living culture and encourage integrated finance which gives financial sustainability by community groups. Hence, i ask to the experts how  Nepalese communities will benefit from community finance for reconstruction in Nepal in the current situation.
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Ranjan, I was not familiar with the situation in Nepal. The publicly available articles are of this type: http://money.cnn.com/2015/04/27/news/nepal-earthquake-donations/
One can infer that there was substantial foreign aid to the victims and families, probably up to 100 million USD. I do not know if this amount grew further and how much was already spent for food and other basic necessities. I also do not know how much money the government plans to spend for reconstruction and to what extent it will cover the needs of private families that suffered disaster.
It  is difficult to estimate for me the exact cost of reconstruction. From this table 
I can infer that the cost to construct 1 sq.m of housing is about $345. If average house is 50 sq.m, then its cost should be $17,000, and one can construct about 6000 flats using $ 100 million.
US Geological Survey estimates the cost of damage to be between 1 and 10 billion USD; see http://money.cnn.com/2015/04/27/news/economy/nepal-earthquake-everest-tourism/index.html
If would be better if you inform us about report on the value of damage, received funds and spending. I suspect that maybe not all money were used efficiently.
As Brett tells us, these micro-finance companies are just giving credits, probably at high interest, and this is not the best (and major) solution. They are useful only to complement the funds that are still not available for reconstruction.
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