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Competition, performance and portfolio quality in microfinance markets
Helsinki Center of Economic Research (HECER).
Uppsala University, Disciplinary Domain of Humanities and Social Sciences, Faculty of Social Sciences, Department of Economics.
2014 (English)Report (Other academic)
Abstract [en]

In recent years growing competition in the microfinance industry has been censured for multiple borrowing, default crises, high interest rates and coercive recovery of loans. Using the Boone indicator as a measure for competition, our paper investigates the impact of competition on microfinance institutions’ (MFIs) outreach, financial performance and quality of loan portfolio. We deal with the potential endogeneity issues by employing the instrumental variable approach using the generalized methods of moments (GMM) estimation technique. Analysing the Microfinance Information Exchange data our empirical results show that increased competition in microfinance sector leads to a larger average loans and a decrease in the financial self-sustainability. The data also supports the view that increased competition in the microfinance industry leads to a decline in the loan portfolio quality.

Place, publisher, year, edition, pages
2014. , 33 p.
Series
Working paper / Department of Economics, Uppsala University (Online), ISSN 1653-6975 ; 2014:8
National Category
Economics
Research subject
Economics
Identifiers
URN: urn:nbn:se:uu:diva-235539OAI: oai:DiVA.org:uu-235539DiVA: diva2:761047
Available from: 2014-11-05 Created: 2014-11-05 Last updated: 2015-02-05Bibliographically approved

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Bali Swain, Ranjula

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CiteExportLink to record
Permanent link

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Cite
Citation style
  • apa
  • ieee
  • modern-language-association
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf