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    Financing microfinance institutions: subsidies or deposit mobilisation

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    Date
    2019
    Author
    Al-Azzam M.
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    Abstract
    According to conventional wisdom, dependence on subsidies cannot achieve the double bottom lines of microfinance institutions (MFIs): outreach and financial sustainability. The application of market-based principles to microfinancing, such as deposit mobilisation, has been long suggested as an answer to this problem. This paper documents the following findings regarding this issue. First, deposit mobilisation crowds out subsidies. Second, subsidies and deposit mobilisation reduce microcredit interest rates and allow MFIs to reach poorer borrowers. Third, subsidies and deposit mobilisation worsen financial sustainability. Fourth, subsidies reduce repayment rates, while deposit mobilisation has no impact on repayment. Overall, the results suggest that neither subsidies nor deposit mobilisation solve the traditional problem of trade-off between outreach and financial sustainability.
    DOI/handle
    http://dx.doi.org/10.1080/00036846.2018.1527467
    http://hdl.handle.net/10576/14208
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    • Accounting & Information Systems [‎555‎ items ]

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