Vu, Chi Thi Cam (2017). Microsavings and performance of microfinance institutions. University of Birmingham. Ph.D.
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Vu17PhD.pdf
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Abstract
This thesis investigates the effects of micro-saving on the performance of microfinance institutions (MFIs) using unbalanced panels that straddle the period 2000-2012. This issue is also examined in a country-specific case study of Vietnam. There are four important findings. First, we found that serving more voluntary savers is costly and curtails depth of microfinance outreach. Second, micro-savings, in terms of the total deposits and the number of deposit accounts per staff member have a positive and significant impact on financial sustainability, cost-efficiency and breadth of outreach of MFIs. Third, a trade-off between financial sustainability and depth of outreach was found for deposit-taking MFIs, compared with MFIs that do not offer micro-savings financial products. Fourth, the findings from the cross-country studies are consistent with the findings from Vietnam. Overall, these findings have important implications for policy makers, microfinance practitioners and researchers.
Type of Work: | Thesis (Doctorates > Ph.D.) | ||||||||||||
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Award Type: | Doctorates > Ph.D. | ||||||||||||
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College/Faculty: | Colleges (2008 onwards) > College of Social Sciences | ||||||||||||
School or Department: | Birmingham Business School, Department of Accounting and Finance | ||||||||||||
Funders: | Other | ||||||||||||
Other Funders: | Ministry of Education and Training, Vietnam, Thanh Hoa People's Committee, Vietnam, Government of Vietnam | ||||||||||||
Subjects: | D History General and Old World > DS Asia H Social Sciences > HF Commerce > HF5601 Accounting H Social Sciences > HG Finance |
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URI: | http://etheses.bham.ac.uk/id/eprint/7272 |
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