Microsavings and performance of microfinance institutions

Vu, Chi Thi Cam (2017). Microsavings and performance of microfinance institutions. University of Birmingham. Ph.D.

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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.)
Award Type: Doctorates > Ph.D.
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
URI: http://etheses.bham.ac.uk/id/eprint/7272


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