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  1. D100 大学院国際開発研究科
  2. D100b 紀要
  3. 国際開発研究フォーラム
  4. 40

Microfinance in Ghana : A Comparative Study of Performance of the Formal versus Informal Rural Financial Institutions

https://doi.org/10.18999/forids.40.151
https://doi.org/10.18999/forids.40.151
b60bf634-5ca6-4547-8815-f7561cd07380
名前 / ファイル ライセンス アクション
10.pdf 10.pdf (7.0 MB)
Item type 紀要論文 / Departmental Bulletin Paper(1)
公開日 2011-04-12
タイトル
タイトル Microfinance in Ghana : A Comparative Study of Performance of the Formal versus Informal Rural Financial Institutions
言語 en
著者 OSEI-ASSIBEY, Eric

× OSEI-ASSIBEY, Eric

WEKO 87656

en OSEI-ASSIBEY, Eric

Search repository
アクセス権
アクセス権 open access
アクセス権URI http://purl.org/coar/access_right/c_abf2
抄録
内容記述 A growing number of formal commercial banks are increasingly showing interest in financing the vast underserved and untapped market of microenterprises in Ghana. However, the greater majority are still on the fence and are hesitant to venture into microlending. Using field survey data from a wide range of rural financial institutions, we analysed the performance (both in terms of non-performing loans (NPLs) and managers' perception of growth performance) of formal banks, compared to the traditional MFIs, in microlending, emphasizing the incentives and disincentives as well as risk mitigation strategies. The study finds that while the main incentives driving banks into microlending were profitability and changing market conditions, disincentives ranged from a high cost of transaction to a perceived high risk of microentrepreneurs. Further, while asset-based collateral was found not to affect the performance of FIs, we find evidence to support the hypothesis that collateral leads to a reduction of NPLs. However, informal FIs were found to perform better in reducing default rates than the formal FIs. On depth of outreach, whereas FIs with clients dominated by women were more likely to perform better, those located in rural areas were more inclined to have higher NPLs. Finally, while a higher scope of outreach was found to be significant for performance, high lending rates charged by FIs led to higher levels of default rates.
言語 en
内容記述タイプ Abstract
出版者
言語 ja
出版者 名古屋大学大学院国際開発研究科
言語
言語 eng
資源タイプ
資源 http://purl.org/coar/resource_type/c_6501
タイプ departmental bulletin paper
出版タイプ
出版タイプ VoR
出版タイプResource http://purl.org/coar/version/c_970fb48d4fbd8a85
ID登録
ID登録 10.18999/forids.40.151
ID登録タイプ JaLC
ISSN(print)
収録物識別子タイプ PISSN
収録物識別子 1341-3732
ISSN(Online)
収録物識別子タイプ EISSN
収録物識別子 2189-9126
書誌情報 ja : 国際開発研究フォーラム
en : Forum of International Development Studies

巻 40, p. 151-174, 発行日 2011-03-28
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