microfinance institutions’ operational infrastructure in india: assessing the efficiencies through ols model

Authors

karam pal narwal

manoj kumar yadav

abstract

this study attempts to examine the operational efficiency of thirty-two microfinance institutions in india. operational efficiency in microfinance institutions refers to how well microfinance institutions allocate the input resources. since the study is an exploratory nature, therefore, the data are collected from mix market on annual basis. it covers the seven-year period ranging from 2005-06 to 2012-13. a panel data technique is employed as the key analytical framework.from the statistical analysis, it may be observed that portfolio at risk and borrower per staff member has positive impact on the operational efficiency of microfinance institutions in india. the cost per borrower of mfis has negative impact on its operational efficiency. the results of study put forward that cost efficient managers of mfis are superior in managing their loan borrowers and appropriately monitoring mfis operational costs. moreover, operational efficiency level of microfinance institutions is supportive in achieving the economies of scale and reduces costs. on the other hand, the future directions may offer an opportunity of public private partnership in augmenting mfis in india.

Upgrade to premium to download articles

Sign up to access the full text

Already have an account?login

similar resources

Microfinance Institutions’ Operational Infrastructure in India: Assessing the Efficiencies through OLS Model

This study attempts to examine the operational efficiency of thirty-two microfinance institutions in India. Operational efficiency in microfinance institutions refers to how well microfinance institutions allocate the input resources. Since the study is an exploratory nature, therefore, the data are collected from mix market on annual basis. It covers the seven-year period ranging from 2005-06 ...

full text

Performance Analysis of Banks and Microfinance Institutions in India

Present paper intends to measure the determinants of performance of Indian financial sector. The performance variables of banking sector and microfinance institutions in India are studied over a study period of six years i.e. 2006-07 to 2011-12. The financial sector of India is gaining strength over the years and its contribution to growth is overwhelming. Banks are considered the main componen...

full text

performance analysis of banks and microfinance institutions in india

present paper intends to measure the determinants of performance of indian financial sector. the performance variables of banking sector and microfinance institutions in india are studied over a study period of six years i.e. 2006-07 to 2011-12. the financial sector of india is gaining strength over the years and its contribution to growth is overwhelming. banks are considered the main componen...

full text

Reducing Vulnerability through Microfinance: Assessing the Impact of Self Help Groups In India

We investigate if participation in Indian Self Help Group microfinance program (SHG) results in reducing vulnerability. Using theSHG rural household survey data collected in 2003, we examine the poverty and vulnerability profiles of SHG and non-SHG rural, low-income household members. Our construction of the vulnerability is based on a methodology that allows for the estimation of household vul...

full text

Using Bayesian networks to model the operational risk to information technology infrastructure in financial institutions

Abstract This paper describes the use of Bayesian networks (BNs) to model the operational risk to information technology (IT) infrastructure in financial and other institutions. We describe a methodology for modeling financial losses that might result from operational risk scenarios involving data centers and operational locations, applications and systems, processes, and ultimately IT supporte...

full text

My Resources

Save resource for easier access later


Journal title:
management studies and economic systems

Publisher: zarsmi

ISSN 2408-9583

volume 2

issue 2 2015

Hosted on Doprax cloud platform doprax.com

copyright © 2015-2023