scholarly journals Examining Credit Screening Criteria’s: Evidence from Five Selected Microfinance Institutions in South West Ethiopia, Oromiya Region, Jimma Town

2020 ◽  
pp. 53-62
Author(s):  
Kefiyalew Belachew Bayu ◽  
Dagnachew Abera Hunde
Keyword(s):  
Default Risk ◽  
Secondary Data ◽  
Primary Data ◽  
Microfinance Institutions ◽  
South West ◽  
Microfinance Institution ◽  
Inquiry Method ◽  
Loan Growth ◽  
South West Ethiopia ◽  
Jimma Town

The ability of MFI's to formulate and adhere to policies and a procedure that promotes credit quality and curtails non-performing loans is the means to survive in the stiff competition. Inability to create and build up quality loans and creditworthy customers lead to default risk and bankruptcy as well as hampers economic growth of a country. This study of credit screening– A Case Study on Microfinance Institution in South West Ethiopia, Jimma Town is an attempt to indicate the criteria that MFI’s should take in credit screening. Thus, the rationale behind for undertaking this study is to deeply examine and screen the credit criteria and to suggest the possible solutions that enable the MFI’s to run its operation most safely as credit is known to be the mainstay of all MFI. For the study, both primary and secondary data were used. Primary data was collected using structured questionnaires and in-depth- interview and Qualitative approach were adopted. Hence, the nature of the study is descriptive and it is related to qualitative analysis method. The census or total universe inquiry method was applied since the study is the easily manageable and the total number of population in the MFI was less than 30. Finally, based on the findings possible recommendations were given. These include the issues impeding loan growth and rising loan clients complaint on the MFI regarding the valuing of feature offered for collateral, lengthy of loan processing, amount of loan processed and approved, loan period as well as the amount, and discretionary limits are currently affecting the performance of credit screening and management.

Effects of Financial Innovations on Profitability for Deposit Taking Microfinancing Institutions in Kenya

2018 ◽  
Vol 9 (6) ◽  
pp. 529-536
Author(s):  
Martin Khoya Odipo ◽  
Keyword(s):  
Financial Institutions ◽  
Positive Relationship ◽  
Financial Institution ◽  
Secondary Data ◽  
Financial Statements ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Financial Innovations ◽  
Strong Positive Relationship

Recent studies have documented that innovations improve profitability of firms. This article documents that deposit taking micro financial institutions that have adopted financial innovations have increased their profitability. The study covered five years between 2009-2013. Both primary and secondary data were used in the study. Primary data was obtained through administration of drop and pick questionnaires to selected employees of the institutions. Secondary data was obtained from financial statements and management reports of these deposit taking microfinance institutions. Data was analyzed using descriptive statistics, return on asset and multi-liner regression model to determine the effect of each financial innovation applied on profitability on the micro-financial institution. The results showed that most deposit taking microfinance institutions adopted these financial innovations in their current operations. There was strong positive relationship between individual innovations and profitability. In line with profitability ROA also showed improvement each year after the adoption of these financial innovations.

scholarly journals Household food insecurity and coping strategies among pensioners in Jimma Town, South West Ethiopia

2018 ◽  
Vol 18 (1) ◽  
Author(s):  
Misgana Asesefa Kisi ◽  
Dessalegn Tamiru ◽  
Melese Sinaga Teshome ◽  
Meseret Tamiru ◽  
Garumma Tolu Feyissa
Keyword(s):  
Food Insecurity ◽  
Coping Strategies ◽  
Household Food Insecurity ◽  
Household Food ◽  
South West ◽  
And Coping ◽  
South West Ethiopia ◽  
Jimma Town

Sustainability of Microfinance Institutions in India

2018 ◽  
pp. 257-274
Author(s):  
Kabita Kumari Sahu
Keyword(s):  
Achievement Motivation ◽  
Training Programs ◽  
Secondary Data ◽  
Primary Data ◽  
Age Group ◽  
Microfinance Institutions ◽  
Economic Activities ◽  
Market Linkage ◽  
Medium Level ◽  
And Training

The objective of the chapter is to analyze the performance and constraints of selected occupation-related SHGs in India and examine the sustainability of SHGs providing microfinance on the basis of secondary data and primary data from Kendrapara district of Odisha, India. It is observed that majority of the SHG members are in young age group with low level of literacy, small and medium level of land holding, medium level of dependency ratio, forming experience, family encouragement, deferred gratification, risk willingness achievement motivation, and economic activities. The major variables that have contributed for enhancing the performance of SHGs are family encouragement, risk willingness, achievement motivation, extension participation, extension contact, and training programs. In order to enhance further motivation and build confidence, proper market linkage and training programs need to be established. Further, to ensure sustainable development of SHGs in future, federation of SHGs can be thought of by the implementing agency.

Impact of Innovation on the Entrepreneurial Success in Selected Business Enterprises in South-West Nigeria

2017 ◽  
Vol 8 (2) ◽  
pp. 29-38
Author(s):  
Olu Ojo
Keyword(s):  
Product Quality ◽  
Positive Relationship ◽  
Secondary Data ◽  
Corporate Image ◽  
Primary Data ◽  
Manufacturing Companies ◽  
Entrepreneurial Success ◽  
South West ◽  
Business Enterprises ◽  
The Impact

This study examined the impact of innovation on the entrepreneurial success in selected business enterprises in SOUTH-WEST Nigeria. The paper dwelt on the extent to which the selected enterprises innovation effort affects the quality of their product as well as the company image. Five manufacturing companies in the Food and Beverages line were selected using purposive sampling method because of their contributions to economic development of Nigeria while the respondents were selected through stratified random sampling technique. Survey research design was used in carrying out the study. Both primary and secondary data were used in the study. Primary data were collected through the administration of questionnaire while secondary data were garnered from Annual Report and Accounts of the companies. Data were analysed using descriptive and inferential statistics. Hypotheses were tested at 0.05 significant levels with the aid of parametric student t-test. The results revealed that there is a positive relationship between innovation and product quality as well as a positive relationship between innovation and good corporate image and that both of them significantly affect entrepreneurial success. The study recommends that business enterprises should engage more on innovation of their production process to improve their product quality and even enhances good corporate image. This will help them to sustain their position in the face of stiff competition.

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