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| Pagura, Maria E.; Graham, Douglas H.; Meyer, Richard L.. |
| Repeat borrowing is critical for the long-term financial viability of microfinance institutions (MFIs), which provide financial services to low-income households in developing countries. Repeat borrowers reduce MFI administrative costs, lower risks, and increase institutional productivity. In this paper we study the determinants of borrower dropout of an MFI operating in an urban center in Mali. Specifically, we quantify the explicit and implicit costs that a borrower must incur in obtaining loans from an MFI. |
| Tipo: Conference Paper or Presentation |
Palavras-chave: Financial Economics. |
| Ano: 2001 |
URL: http://purl.umn.edu/20568 |
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| Kuhn, M.E.; Darroch, Mark A.G.; Ortmann, Gerald F.; Graham, Douglas H.. |
| Three development finance institutions (DFIs) which operate in KwaZulu-Natal (KZN) province were assessed in 1996/97 to see how they could improve financial viability and outreach to emerging farmers, agribusiness and micro-entrepreneurs. Improved service quality and emphasis on mobilising savings would help clients and enable the DFIs to diversify their portfolios. Better access to branches and lower loan approval times (improved screening and administrative procedures) could also lower client transaction costs. Charging a suitable interest rate spread is necessary but not sufficient for lenders to achieve subsidy independence. Reducing arrears through stricter loan contract enforcement (borrower accountability for loan repayment, lower collateral... |
| Tipo: Journal Article |
Palavras-chave: Agricultural Finance. |
| Ano: 2000 |
URL: http://purl.umn.edu/54199 |
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| Amimo, Oliveira; Larson, Donald W.; Bittencourt, Maurício Vaz Lobo; Graham, Douglas H.. |
| Many policy makers and businesses erroneously believe that rural populations, particularly in Africa, have no margin for savings over consumption needs. This study examines the potential for financial savings in rural Mozambican households by looking at the determinants of savings behavior. An econometric model for a household's saving behavior was estimated using data from 113 rural households from Nampula province in Mozambique. Results indicate that income, physical wealth, household size, and years of schooling affect a household's savings behavior. The study also finds that Mozambican rural households use their own grassroots associations for many financial services due to the lack of access to formal financial intermediaries. |
| Tipo: Conference Paper or Presentation |
Palavras-chave: Consumer/Household Economics; Financial Economics. |
| Ano: 2003 |
URL: http://purl.umn.edu/25921 |
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| Safavian, Mehnaz S.; Sheldon, Ian M.; Graham, Douglas H.; Gonzalez-Vega, Claudio. |
| Over the past decade, the repressive legal and regulatory environment in transition economies has received considerable attention in the literature. In Russia, this framework has resulted in an environment in which rules and regulations govern almost all aspects of economic activity. The elaborate system of regulations with which firms must comply, in combination with a lack of accountability for regulatory enforcers, has created a corrupt cadre of government officials who frequently engage in rent-seeking behavior while monitoring and enforcing firm compliance. The objective of this paper is to investigate the manner in which corruption affects micro and small enterprises in Russia. Empirical evidence suggests that micro and small enterprises vary... |
| Tipo: Conference Paper or Presentation |
Palavras-chave: Political Economy. |
| Ano: 2001 |
URL: http://purl.umn.edu/20495 |
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