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Competition in Microfinance: Does it affect Performance, Portfolio quality and Capitalization?
Uppsala University, Disciplinary Domain of Humanities and Social Sciences, Faculty of Social Sciences, Department of Economics.
2014 (English)In: Microfinance Institutions: Financial and Social Performance / [ed] Roy Mersland and Øystein Strøm, Palgrave Macmillan, 2014Chapter in book (Refereed)
Abstract [en]

Growing competition amongst the microfinanceinstitutions (MFIs) in recent years has been blamed for the repayment crises inthe microfinance industry. This paper aims to investigate how competitionimpacts on MFIs’ outreach, financial performance, quality of loan portfolio andcapitalization. We control for potential endogeneity of the measures of marketpower. Employing Generalized Methods of Moments (GMM) estimation we find that increasedcompetition has no significant impact on MFIs’ depth of outreach andprofitability, but it can improve their capitalization levels. So, overall riskof MFIs’ can be offset to some extent by higher equity capital, if required ratios. 

Place, publisher, year, edition, pages
Palgrave Macmillan, 2014.
Keyword [en]
microfinance institutions, competition, outreach, financial performance, capitalization, panel data IV estimation.
National Category
Social Sciences Economics
Identifiers
URN: urn:nbn:se:uu:diva-210774OAI: oai:DiVA.org:uu-210774DiVA: diva2:664214
Available from: 2013-11-14 Created: 2013-11-14 Last updated: 2013-11-14

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Bali Swain, Ranjula

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