Masterarbeit, 2018
103 Seiten, Note: 90.0
This study aims to understand the factors driving financial sustainability in microfinance institutions (MFIs) in Sub-Saharan Africa. It investigates indicators of operational self-sufficiency (OSS) through correlation and regression analysis to determine key drivers of financial success within the MFI sector. The research seeks to understand the relationship between profitability, outreach, and different MFI structures.
1 Introduction: This chapter introduces the topic of financial sustainability in microfinance institutions (MFIs), highlighting its relevance to poverty alleviation, the issue of reliance on subsidies, and the potential trade-offs between efficiency and outreach. It establishes Sub-Saharan Africa as the region of focus, outlining the unique challenges and opportunities within this context and emphasizing the importance of financial inclusion and the role of MFIs in the region.
2 Literature Review: This chapter provides a comprehensive overview of the microfinance industry, defining microfinance and exploring the historical development, current trends, and different business models. It deeply examines the concept of financial sustainability, discussing different approaches and indicators, including the financial systems approach and the poverty lending approach. The chapter also reviews existing research on financial sustainability, outreach, and the relationship between these two critical aspects, analyzing diverse methodologies and findings from previous studies. It investigates the roles of internal business practices, non-financial services, and operating methodologies in achieving financial sustainability, all within the context of the unique challenges faced by MFIs in various settings.
Microfinance, Operational Self-Sufficiency, Financial Sustainability, Sub-Saharan Africa, Poverty Alleviation, Financial Inclusion, MFI Business Models, Profitability, Outreach, Regression Analysis.
This document is a comprehensive preview of a study focusing on the financial sustainability of microfinance institutions (MFIs) in Sub-Saharan Africa. It explores the factors driving this sustainability, analyzing the relationship between profitability, outreach, and various MFI business models.
The key themes include financial sustainability of MFIs, operational self-sufficiency (OSS) as a key indicator, the impact of profitability on MFI sustainability, the relationship between outreach and financial sustainability, and an analysis of different MFI business models. The study also considers the relevance of microfinance to poverty alleviation and the challenges of relying on subsidies.
The primary region of focus is Sub-Saharan Africa, acknowledging the unique challenges and opportunities within this context for financial inclusion and the role of MFIs.
The study employs correlation and regression analysis to determine key drivers of financial success within the MFI sector. It investigates indicators of operational self-sufficiency (OSS) to understand the relationship between profitability and outreach.
The literature review provides a broad overview of the microfinance industry, including definitions, historical development, current trends, diverse business models, and approaches to financial sustainability (such as the financial systems approach and the poverty lending approach). It also examines previous research on financial sustainability, outreach, internal business practices, non-financial services, and operating methodologies.
Chapter 1 (Introduction): Introduces the topic of financial sustainability in MFIs, highlighting its relevance to poverty alleviation, subsidies, and trade-offs between efficiency and outreach. It focuses on Sub-Saharan Africa and its unique context. Chapter 2 (Literature Review): Provides a comprehensive overview of the microfinance industry, including definitions, historical development, current trends, business models, and various approaches to financial sustainability and outreach. It analyzes previous research and findings on these topics.
Key words include: Microfinance, Operational Self-Sufficiency, Financial Sustainability, Sub-Saharan Africa, Poverty Alleviation, Financial Inclusion, MFI Business Models, Profitability, Outreach, Regression Analysis.
The study aims to understand the factors driving financial sustainability in MFIs in Sub-Saharan Africa, analyzing the relationship between profitability, outreach, and different MFI structures. It seeks to identify key drivers of financial success within the MFI sector.
OSS serves as a key indicator of financial sustainability. The study investigates it through correlation and regression analysis to determine its relationship with other factors such as profitability and outreach.
The study highlights the relevance of financial sustainability in MFIs to poverty alleviation in Sub-Saharan Africa. Successful and sustainable MFIs can contribute significantly to economic empowerment and poverty reduction in the region.
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