Management Dynamics

Debadutta Kumar Panda ¹

Affiliations
1 Xavier Institute of Social Service (XISS), Ranchi, Jharkhand, IN

Abstract

This study was carried out to understand the social performance of deposit taking and deposit non-taking MFIs, the determinants of MFIs' personnel size and their predictions, the possible determinants of women borrowers of MFIs and their consequences, and the determinants of the transformation of MFIs from deposit nontaking to deposit taking. For this study, a sample size of 90 MFIs i.e. 10 MFIs each from 9 countries, were randomly selected from the MIX Market data set. Descriptive statistics and econometric models were engaged in the study. It was found out that the MFIs staff strength is positively and significantly related with the size of active borrowers. The numbers of women borrowers in MFIs are significantly and positively determined by external borrowings of MFIs and their gross loan portfolio. The probability of transformation of MFIs from non-deposit taking to deposit taking is significantly determined by loan portfolio, borrowings, assets and number of active borrowers of MFIs.

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Debadutta Kumar Panda ¹

Affiliations
1 Department of Rural Development, Xavier Institute of Social Service, IN

Abstract

This impact assessment study of microcredit was conducted by a crossectional data-set drawn from a pool of 200 samples from Puri district of India. A structured pre-tested household schedule was used to gather information from households. The "household" was taken as the unit of analysis; and a comparison between the factual and counterfactual was formed as the base of the study where the statistical means of the target households were compared with that of the control households across various variables. The statistical test of significance was conducted by using z-test. Under the econometric model, probit model was used to understand the determinants of the probability of participation in the Self-help Group based microcredit programmes. The study resulted into positive impact of Self-help Group based microcredits programmes on the household income, saving, employment days, literacy position and reduction in migration. The probability of participation was greatly determined by savings, employment days, days of migration and number of literates of the households.

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