微型金融机构的性别多样性和利效率:撒哈拉以南地区的研究
Tarekegn Tariku Ebissa1, Arega Seyoum Asfaw2
1Department of Accounting and Finance, Wallaga University, Nekemte, Ethiopia.
PloS one
|August 5, 2024
概括
撒哈拉以南非洲的微型金融机构显示利效率低 (27%),尽管潜在的收益. 影响效率的关键因素包括国家收入,法律地位和性别多样性,突出了需要改进的领域.
科学领域:
- 经济学 经济学 经济学
- 发展研究 发展研究 研究
- 财务管理 财务管理
背景情况:
- 撒哈拉以南非洲 (SSA) 的微型金融机构 (MFI) 显示出低于最佳的利效率,运行远低于潜在的利效率.
- 尽管货币金融机构在经济发展中的关键作用,但它们的效率仍然是整个地区的一个担忧.
研究的目的:
- 分析撒哈拉以南非洲MFI的利效率.
- 确定这些机构中利效率的关键决定因素.
- 为提高该地区的MFI业绩提供建议.
主要方法:
- 在面板数据上应用了随机边界方法 (SFA).
- 分析了来自34个撒哈拉以南非洲国家的128家MFI的数据.
- 计量经济模型用于评估各种因素对利效率的影响.
主要成果:
- SSA MFI的整体利效率低至27%,有很大的改进空间.
- 低收入国家的机构和信贷联盟模式显示出更高的经济效率.
- 利效率受到机构规模 (资产总额),运营成本 (每贷款成本),人事 (每员工贷款),法律地位和国家收入水平的重大影响.
- 较高的女性借款人和贷款官代表性观察到对效率的不利影响,这表明性别多样性影响业绩.
结论:
- 撒哈拉以南非洲的MFI在利效率方面表现不佳.
- 运营规模,成本管理,法律结构和国家经济背景等因素是MFI效率的关键决定因素.
- 性别多样性,特别是女性作为借款人和工作人员的参与,似乎与利效率有负相关性,需要进一步调查和战略干预.
- 建议侧重于改善劳动力和资产利用率,贷款回收,技术采用和女性在MFI运营中的战略整合.
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