Despite the efforts of various federal and regional governments over years, poverty still exists in several places across world, especially developing countries. Microfinance services have been promoted as viable tools to decrease poverty. Sarawak, Malaysia is an example a region where microfinance are being used reduce incidences This paper proposes conceptual model understand effect different...

Informal sector lenders remain a strong presence in rural India in terms of providing credit facilities in rural India. Farmers and rural poor borrowings from Money lenders and other informal sources of rural credit still significant this sources some extent i.e. 77 percent to 32 percent. In this situation micro finance has emerged as an alternative source of rural credit, microfinance programm...

Microfinance has been developed as alternative solution for global poverty alleviation effort in the last 30 years. Microfinance institution (MFI) has unique characteristic wherein they face double bottom line objectives of outreach to the poor and financial sustainability. This study proposes a two-stage analysis to measure Islamic Microfinance institutions (IMFIs) performance by comparing the...

a r t i c l e i n f o The expansion of microfinance has triggered concerns of rising indebtedness, and higher default and interest rates. Using a screening model, we show that even if interest and default rates increase due to expansion, borrower welfare may improve. This is because: (i) all borrowers previously denied credit can obtain loans, and (ii) screening costs for pre-existing borrowers...

This paper compares, for a microfinance institution, the performance of two individual classification models: Logistic Regression (Logit) and Multi-Layer Perceptron Neural Network (MLP), to evaluate the credit risk problem and discriminate good creditors from bad ones. Credit scoring systems are currently in common use by numerous financial institutions worldwide. However, credit scoring using ...

The increasing importance of Information Systems (IS) in the global economy prompts microfinance researchers to view the industry from an interdisciplinary perspective. A review paper for microfinance from the IS perspective will create a firm foundation for advancing knowledge. It will facilitate theory development, close areas where a plethora of research exists, and uncover areas where resea...

REQUIRED) A decade ago, the microfinance industry prided itself on its trends toward financial and operational sustainability. Recently, investors, donors, lenders, regulators, and microfinance institutions have been more concerned with social and outreach performance. Transactions cost and distance theories inform a new ICT-enabled microfinance institution (MFI) outreach theory positing that i...

Customer loyalty is a crucial element of the goals achieved in every business. Companies must provide excellent service to increase customer loyalty. Thus, developing theoretical model with empirical evidence related Islamic banks Central Java necessary. Self-administered questionnaires were used collect data. The study was conducted by involving 230 shariah microfinance customers as respondent...

Despite global recognition and sufficient history of microfinance there is mixed evidence of its net benefits and very limited empirical work on its contribution to financial intermediation and economic growth. Addressing this gap we aim to reveal whether and how microfinance is transferred to growth. Our conceptual approach is based on a broader finance-and-growth nexus where microfinance is s...

March 2005 57 Bindu Ananth is a Manager at ICICI Bank. She has worked in ICICI Bank's microfinance practice for over three years and is currently the co-ordinator of the Centre for MicroFinance Research. The views presented in this paper are solely those of the author and do not in any way reflect the views of ICICI Bank. Capital constraint is an issue impeding scaling up of microfinance in Ind...