scholarly journals Market Orchestrators: The Effects of Certification on Platforms and Their Complementors

2021 ◽  
Author(s):  
Joost Rietveld ◽  
Robert Seamans ◽  
Katia Meggiorin
Keyword(s):  
Social Performance ◽  
Supply Side ◽  
Microfinance Institutions ◽  
Loan Portfolio ◽  
Demand And Supply ◽  
Portfolio Composition ◽  
Loan Portfolios ◽  
Governance Strategies ◽  
And Performance ◽  
Supply Side Factors

We study how a multisided platform’s decision to certify a subset of its complementors affects those complementors and ultimately the platform itself. Kiva, a microfinance platform, introduced a social performance badging program in December 2011. The badging program appears to have been beneficial to Kiva—it led to more borrowers, lenders, total funding, and amount of funding per lender. To better understand the mechanisms behind this performance increase, we study how the badging program changed the bundle of products offered by Kiva’s complementors. We find that Kiva’s certification leads badged microfinance institutions to reorient their loan portfolio composition to align with the certification and that the extent of portfolio reorientation varies across microfinance institutions, depending on underlying demand- and supply-side factors. We further show that certified microfinance institutions that do align their loan portfolios enjoy stronger demand-side benefits than do certified microfinance institutions that do not align their loan portfolios. We therefore demonstrate that platforms can influence the product offerings and performance of their complementors—and, subsequently, the performance of the ecosystem overall—through careful enactment of governance strategies, a process we call “market orchestration.”

Evolutionary Processes in Competitive Markets: Beyond the Product Life Cycle

1989 ◽  
Vol 53 (3) ◽  
pp. 4-20 ◽  
Author(s):  
Mary Lambkin ◽  
George S. Day
Keyword(s):  
Life Cycle ◽  
Population Ecology ◽  
Product Life Cycle ◽  
Dynamic Theory ◽  
Supply Side ◽  
Comprehensive Model ◽  
Demand And Supply ◽  
Product Life ◽  
And Performance ◽  
Supply Side Factors

The traditional product life cycle framework has little to say about the competitive processes that accompany the evolution of a market. The first part of the article identifies the major shortcomings of the product life cycle. This analysis is used to establish the requirements for a more comprehensive model that incorporates both demand- and supply-side factors. The second part shows how concepts from population ecology theory can be adapted to satisfy these requirements. With this dynamic theory, specific propositions can be made about changes in competitive structure and performance as the market evolves.

scholarly journals Microfinancing, governance, and performance: a South Asian perspective

2018 ◽  
Vol 23 (46) ◽  
pp. 247-265 ◽  
Author(s):  
Asif Saeed ◽  
Attiya Y. Javed ◽  
Umara Noreen
Keyword(s):  
South Asian ◽  
Social Performance ◽  
Bank Regulation ◽  
Chief Executive ◽  
Microfinance Institutions ◽  
Board Size ◽  
Content Type ◽  
Urban Market ◽  
And Performance ◽  
Loan Size

Purpose This paper aims to investigate the relationship between microfinance institutions (MFIs) governance and performance. Design/methodology/approach Using a sample of 215 MFIs from six South Asian countries over the period from 2005 to 2009, the authors examine the effect of chief executive officer (CEO) duality, board size, female CEO, urban market coverage, bank regulation and lending type on financial and social performance of MFIs. Findings The findings provide evidence that, on the one hand, empowered CEO, large board size and individual lending improve the MFI financial performance and, on another hand, bank regulation and serving in the urban market have a significant association with MFIs’ social performance. In an additional analysis, the authors also test this relationship before, during and after the financial crisis of 2007. During crisis period, MFIs’ individual lending reduces the operational cost and bank regulation increases the average loan size in South Asian MFIs. Originality/value Those studies that are presented in the literature review conclude their result on the bases of global, European, East African and specific to some countries sample. There is no study presented in the whole literature on South Asian sample, in which all countries really face the problem of poverty.

scholarly journals Demand- and supply-side factors associated with the use of contraceptive methods in Pakistan: a comparative study of demographic and health surveys, 1990–2018

2020 ◽  
Vol 20 (1) ◽  
Author(s):  
Sadia Jabeen ◽  
Adnan Rathor ◽  
Maria Riaz ◽  
Rubeena Zakar ◽  
Florian Fischer
Keyword(s):  
Family Planning ◽  
Health Surveys ◽  
Media Exposure ◽  
Data Series ◽  
Demographic And Health Surveys ◽  
Supply Side ◽  
Contraceptive Methods ◽  
Demand And Supply ◽  
Factors Associated ◽  
Supply Side Factors

Abstract Background A remarkable decline in fertility rates has been observed in many countries, with a primary determinant being an increase in the use of contraceptives. However, the birth rate in Pakistan is still higher compared to the other countries of the region. Therefore, this study aims to assess the effect of demand- and supply-side factors associated with the use of contraceptive measures in Pakistan. Methods Secondary data analysis of four data series of the Pakistan Demographic and Health Surveys (PDHS 1990–1991, 2006–2007, 2012–2013 and 2017–2018) were used. The data includes ever-married women aged 15–49 years who had given birth in the previous five years and participated in the family planning module of the PDHS. A total of 25,318 women were included in the analysis. Data were analysed by investigating the associations between independent variables (demand- and supply-side factors) and the use of contraceptive measures through unadjusted odds ratios (OR) and adjusted OR (AOR). Results The results among demand-side factors indicated that in 2012–2013, women without media exposure were less likely to use contraceptives and the trend remains almost constant for 2017–2018 (AOR = 0.664, 95% CI 0.562–0.784) in 2012–2013 and (AOR = 0.654, 95% CI 0.483–0.885) in 2017–2018. However, they still show a lower likelihood of using contraceptives without media exposure. The results among supply-side factors indicated that absence of transport (2012–2013) and limited visits by family planning workers over the previous 12 months (2006–2007, 2012–2013 and 2017–2018) remained significant factors for not using contraceptive methods. Conclusions The results of the study indicate that certain demand- and supply-side factors are associated with the use of contraceptive measures in Pakistan. It highlights the need for the provision of family planning resources and further structural factors, particularly in remote areas.

scholarly journals Demand- and supply-side factors affecting utilisation and provision of maternal health services under the free maternal health care policy in one municipality in Northern Ghana

2021 ◽  
Author(s):  
Philip Ayizem Dalinjong ◽  
Alex Y Wang ◽  
Caroline SE Homer
Keyword(s):  
Maternal Health ◽  
Health Care Policy ◽  
Supply Side ◽  
Care Policy ◽  
Maternal Deaths ◽  
Demand And Supply ◽  
Factors Affecting ◽  
Provision Of Services ◽  
Emergency Transport ◽  
Supply Side Factors

Abstract BackgroundA free maternal health care policy was introduced in Ghana in 2008 to cater for the health needs of pregnant women for the reduction of maternal deaths. Experiences from other regions and countries show that demand- and supply-side factors often affect the success of such policies although this is unknown in this context. The study aimed to assess demand- and supply-side factors affecting the utilisation and provision of services during pregnancy under the policy. MethodsA convergent parallel mixed methods study was undertaken, collecting quantitative and qualitative data. The study was carried out in the Kassena-Nankana East Municipality in Ghana. Questionnaire were used to collect data from women (n=406) who utilised services during pregnancy. Focus group discussions with women (n=10) and in-depth interviews with midwives and nurses (n=25) were also conducted. Quantitative data were analysed and presented using descriptive statistics. Qualitative data were audio-recorded, transcribed and coded using themes and sub-themes. ResultsBoth demand- and supply-side factors impacted the use and provision of services. Distance and time to facilities challenged the use of services. Supply-side factors such as laboratory services, equipment, drugs and supplies were not adequately available. Antenatal, childbirth and postnatal services were carried out together in the same rooms at the community-based health planning and services (CHPS) compounds. Emergency transport was also unavailable for referral of emergencies. ConclusionDemand- and supply-side factors were reported to impede the use and provision of services. Government and stakeholders should prioritise building as well as expanding the infrastructure of CHPS compounds. Emergency transport for women should also be provided. These together may contribute to improving the use and provision of services, leading to a reduction in maternal deaths and achievement of universal health coverage.

scholarly journals Demand and Supply Side Factors Associated with the Use of Contraceptive Methods in Pakistan: A Contemplative Study of Demographic and Health Surveys, 1990-2018

2020 ◽  
Author(s):  
Sadia Jabeen ◽  
Adnan Rathor ◽  
Maria Riaz ◽  
Rubeena Zakar ◽  
Florian Fischer
Keyword(s):  
Family Planning ◽  
Health Surveys ◽  
Media Exposure ◽  
Data Series ◽  
Demographic And Health Surveys ◽  
Supply Side ◽  
Contraceptive Methods ◽  
Demand And Supply ◽  
Factors Associated ◽  
Supply Side Factors

Abstract Background A remarkable decline in fertility rates has been observed in many countries, with a primary determinant being an increase in the use of contraceptives. Therefore, this study aims to assess the effect of demand and supply-side factors associated with the use of contraceptive measures in Pakistan. Method: Secondary data analysis of four data series of the Pakistan Demographic and Health Surveys (PDHS 1990–91, 2006–07, 2012–13, and 2017–18) were used. The data includes ever-married women aged 15–49 years who had given birth in the previous five years and participated in the family-planning module of the PDHS. A total number of 25,318 women were included in the analysis. Data was analysed by investigating the associations between independent variables (demand and supply-side factors) and the use of contraceptive measures through unadjusted Odds Ratios (OR) and adjusted OR (AOR). Results A majority of the women were illiterate and not in employment. There was an increase in the number of women who did not use contraceptive methods in rural areas over time. Among demand-side factors, the results indicated that, in 2012–13, women without media exposure were less likely to use contraceptives (OR 0.396, 95% CI 0.353–0.442), and the trend remains almost constant for 2017–18 (OR 0.432, 95% CI 0.391–0.477). These findings change slightly in the adjusted analysis (AOR 0.664, 95% CI 0.562–0.784) in 2012–13 and (AOR 0.654, 95% CI 0.483–0.885) in 2017–18; however, they still show a lower likelihood of using contraceptives without media exposure. Among supply-side factors, the results indicated that absence of transport (2012–13) and limited visits by family-planning workers over the previous 12 months (2006–07, 2012–13, and 2017–18) remained significant factors for not using contraceptive methods. Conclusion The results of the study indicate that certain demand and supply-side factors are associated with the use of contraceptive measures in Pakistan. It highlights the need for the provision of family-planning resources and further structural factors, particularly in remote areas.

scholarly journals Demand and Supply Side Factors Associated with the Use of Contraceptive Methods in Pakistan: A Contemplative Study of Demographic and Health Surveys, 1990-2018

2019 ◽  
Author(s):  
Sadia Jabeen ◽  
Adnan Rathor ◽  
Maria Riaz ◽  
Rubeena Zakar ◽  
Florian Fischer
Keyword(s):  
Family Planning ◽  
Health Surveys ◽  
Media Exposure ◽  
Data Series ◽  
Demographic And Health Surveys ◽  
Supply Side ◽  
Contraceptive Methods ◽  
Demand And Supply ◽  
Factors Associated ◽  
Supply Side Factors

Abstract Background A remarkable decline in fertility rates has been observed in many countries, with a primary determinant being an increase in the use of contraceptives. Therefore, this study aims to assess the effect of demand and supply-side factors associated with the use of contraceptive measures in Pakistan.Method Secondary data analysis of four data series of the Pakistan Demographic and Health Surveys (PDHS 1990–91, 2006–07, 2012–13, and 2017–18) were used. The data includes ever-married women aged 15–49 years who had given birth in the previous five years and participated in the family-planning module of the PDHS. A total number of 25,318 women were included in the analysis. Data was analysed by investigating the associations between independent variables (demand and supply-side factors) and the use of contraceptive measures through unadjusted Odds Ratios (OR) and adjusted OR (AOR).Results A majority of the women were illiterate and not in employment. There was an increase in the number of women who did not use contraceptive methods in rural areas over time. Among demand-side factors, the results indicated that, in 2012–13, women without media exposure were less likely to use contraceptives (OR 0.396, 95% CI 0.353–0.442), and the trend remains almost constant for 2017–18 (OR 0.432, 95% CI 0.391–0.477). These findings change slightly in the adjusted analysis (AOR 0.664, 95% CI 0.562–0.784) in 2012–13 and (AOR 0.654, 95% CI 0.483–0.885) in 2017–18; however, they still show a lower likelihood of using contraceptives without media exposure. Among supply-side factors, the results indicated that absence of transport (2012–13) and limited visits by family-planning workers over the previous 12 months (2006–07, 2012–13, and 2017–18) remained significant factors for not using contraceptive methods.Conclusion The results of the study indicate that certain demand and supply-side factors are associated with the use of contraceptive measures in Pakistan. It highlights the need for the provision of family-planning resources and further structural factors, particularly in remote areas.

Using Loan Loss Indicators by Loan Type to Sharpen the Evaluation of Banks' Loan Loss Accruals

2021 ◽  
Author(s):  
Gauri Bhat ◽  
Joshua Lee ◽  
Stephen G. Ryan
Keyword(s):  
Regulatory Capital ◽  
Loan Loss ◽  
Loan Portfolio ◽  
Net Charge ◽  
Economic Implications ◽  
Portfolio Composition ◽  
Loan Portfolios ◽  
Commercial Loans ◽  
Machine Readable ◽  
Loan Losses

Prior research acknowledges that the determinants, timeliness, and economic implications of banks' provisions for loan losses (PLL) vary across loan types. However, the lack of machine-readable data on PLL by loan type has precluded researchers from incorporating loan type into the evaluation of PLL beyond either controlling for or partitioning the sample on crude proxies for loan portfolio composition. We calculate PLL by loan type as the change in the allowance for loan losses by loan type, which we hand collect from Form 10-K filings, plus net charge-offs by loan type, which we obtain from regulatory filings. Using these data, we show that prior findings that banks exercise discretion over PLL to smooth earnings and increase regulatory capital are driven by commercial loans, a thin slice of banks' loan portfolios, and that commonly used measures of PLL timeliness vary substantially across loan types.

The transition probabilities for inflation episodes in Ghana

2018 ◽  
Vol 13 (6) ◽  
pp. 2028-2046
Author(s):  
Philip Kofi Adom ◽  
Mawunyo Prosper Agradi ◽  
Christopher Quaidoo
Keyword(s):  
Time Series Data ◽  
Transition Probabilities ◽  
Supply And Demand ◽  
Series Data ◽  
Supply Side ◽  
Demand And Supply ◽  
Content Type ◽  
High Inflation ◽  
Annual Time Series ◽  
Supply Side Factors

Purpose Following the reforms in monetary policy and shift in fiscal policies, it is logical to presume that these reforms may cause a significant structural change in the dynamic processes of inflation and hence affect the nature of inflation persistence. The purpose of this paper is to examine the persistence nature of the different inflation episodes while controlling for the effects of demand- and supply-side factors, which are modeled as regime-dependent. Design/methodology/approach This paper used the Markov-switching dynamic regression and annual time series data. Findings The results showed that high inflation regime is more persistent than low inflation regime, with a respective average duration of an escape of 3.5 and 2.57 years, which suggests that price stability achievements are less sustainable. In both regimes, demand- and supply-side factors play significant roles in driving inflation, but the effect of the latter dominates. Thus, on the argument of whether inflation in Ghana is structural or monetary, the results support the former. The roles of both structural and monetary factors have changed over time, but that of the former has been more significant and important in Ghana. Originality/value This study provides the first empirical attempt, in the case of Ghana, that examines the persistence nature of different inflation regimes, while modeling the effects of supply and demand factors as regime dependent. In the modeling sense, the authors also contribute by ruling out the assumption that the researcher knows the processes responsible for each observation at each point in time.

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