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Subject: Microfinance ×

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    Default risk in microfinance: an analysis of the institutional constraints of microfinance organization in the Philippines
    (2013-10) Crisostomo, Ma. Charmaine R.; Quines, Mariel Angeli R.; Ducanes, Geoffrey M.; Reside, Renato Jr. E.
    Microfinance serves to alleviate poverty by making credit available for the lower income members of the society. As microfinance continues to grow and develop in the recent years, more and more commercial banks and traditional microfinance institutions emerge, with goals of poverty alleviation and self-sustainability. In line with this, our study aims to determine the institutional factors that significantly affect the default risks faced by microfinance organizations. Using longitudinal data from several micro finance organizations in the country, we used a fixed effects regression and a random effects regression to determine the impact of institutional structures of microfinance organizations with default risk. This study has identified that the institutional structures that are associated with lower default risks are market-based structures that make microfinance organizations more competitive in the financial system. Further analysis also showed that the certain social goals in microfinance are not associated with increased default risk of micro finance organizations.
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    Microfinance targeting and repayment performance: a case study of kasagana-ka development center, Inc.
    (2010-04-07) Agustin, Precious Gen C.; Talledo, Donna S.; Esguerra, Emmanuel
    The management of microfinance institution can spell the difference between a failed microfinance attempt and a successful one. This paper explores two objectives - targeting the entrepreneurial poor effectively and posting highly timely repayment rates. Using data gathered from the Kasagana- Ka Development Center, the authors performed a probit and OLS regression to determine whether the MFI fulfills these two objectives and what are the determinants for successfully achieving these objectives. The results suggest that though 39% of the clients do not pay on time, all of them still pay given 2 weeks in arrears. The characteristics of the center and the business of the micro finance customer are shown to be important determinants of timely repayment. Regression results show that only 4% of the sample fulfilled the requirement of KDCI of being "poor". It was also shown that all of the clients in the sample were all above the poverty line based on the official Philippine poverty line and the expenditure-based poverty line. Overall, our results show that further study should be done to see how the group dynamics in a center work and suggest that KDCI should develop appropriate tools and techniques to properly screen their clients.
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    Pawnshops: a study of their roles and contributions to the Philippine economy
    (1987-03) Camacho, Jo-Ann S.; Soriano, Shirley R.
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    Poverty and microfinance institutions of the Philippines
    (2010-01) Limbaring, Lowela Aileen; Kim, Min Jeong
    With the boom of Microfinance industry all over the world, the researchers took interest in studying the Microfinance Institutions and its operations in the Philippines. The study was conducted to find out whether there is a relationship between the Microfinance Institutions (MFIs) in the Philippines to the poverty of the country. The research took into consideration poverty incidence as the measure of poverty. There have been only a few numbers of studies regarding Microfinance done in a macro level due to the relatively young age of the field and most fundings about the industry were based on individual case studies around the world. The study uses panel data across the regions of the Philippines over the years of 2000, 2003, and 2006. The study took interest in estimating the effect of the average loan per borrower and total number of borrowers of MFIs over the total population (volume variable) on poverty incidence of the Philippines. The fundings of the research show that there is a significant relationship between the operation of MFIs and the poverty incidence of the Philippines. But as it will be mentioned in the following chapters, the significance is not as expected and their presence is miniscule.