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Towards An Integrated Approach To Microfinance  


Abstract Category: Accounts and Economics
Course / Degree: Doctor of Philosophy, Economics
Institution / University: Atlantic International University, United States
Published in: 2014


Report Abstract / Summary:

This report focuses on the contemporary field of microfinance in Peru and Bolivia, two countries that have well-developed and rapidly growing microfinance sectors, and whose microfinance institutions (MFIs) serve as models for the rest of Latin America and even the global microfinance community. While much research in this broad field emphasizes the perspective of the recipients of microfinance, this work primarily focuses on the qualitative perspective of MFI management, attempting to understand the rationale behind particular organizational choices.
One of the most commonly asked questions in the field of microfinance is how can practitioners find the balance between financial viability and living up to current industry standards, while not losing sight of the original development goals of microfinance. Research studies have demonstrated a lack of significant social impacts resulting from pure microcredit; these results suggest that microfinance should incorporate social interventions if it wants to serve as a tool that works towards accomplishing development milestones such as the Millennium Development Goals.
To answer these questions, this report compares a variety of MFI management perspectives on two major topics: the types of services offered to clients, and the relationship between financial sustainability and social impact in their organizations. The qualitative data collected from interviews with microfinance managers and experts, as well as supplementary quantitative and qualitative data from academic and practitioner- based literature suggest that the integrated approach has the potential to achieve the balance between enhancing MFIs' ability to both bring about authentic and comprehensive social impact and to allow these entities be solid and financially viable. Thus, I ultimately argue that the integrated model of service delivery, in the appropriate contexts, is highly valid and should be expanded upon in the field of microfinance.


Report Keywords/Search Tags:
Microfinance

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Submission Details: Report Abstract submitted by Dr. David Ackah from Ghana on 06-Dec-2014 14:54.
Abstract has been viewed 1499 times (since 7 Mar 2010).

Dr. David Ackah Contact Details: Email: drdavidackah@gmail.com Phone: +233244218418



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