Rural-urban financial inclusion: Implications on the cost sustainability of microfinance lenders

被引：3

作者：

Mia, Md Aslam ^{[1
,2
]}

Sangwan, Sunil ^{[3
]}

Hussain, A. H. M. Belayeth ^{[4
]}

Malim, Nurhafiza Abdul Kader ^{[1
]}

机构：

[1] Univ Sains Malaysia, Sch Management, George Town 11800, Malaysia

[2] Daffodil Int Univ, Dept Business Adm, Dhaka, Bangladesh

[3] Christ Univ, Dept Commerce, Pune, Maharashtra, India

[4] Univ Sains Malaysia, Ctr Res Women & Gender KANITA, George Town, Malaysia

来源：

MANAGERIAL AND DECISION ECONOMICS | 2022年 / 43卷 / 06期

关键词：

TRANSACTION COSTS; INSTITUTIONS; OUTREACH; MFIS;

D O I：

10.1002/mde.3498

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

Despite the higher demand for credit among the rural poor, many commercial banks and microfinance institutions (MFIs) are averse towards microfinancing activities in rural areas due to their high-cost implication compared to urban areas. Therefore, this study empirically investigates the effect of rural and urban financial inclusion on the cost sustainability of MFIs. To this end, a globally representative sample of 1729 MFIs' data covering the period 2008-2018 were analyzed. Contrary to the orthodox perception, our overall result revealed that lending in rural areas is more cost-efficient than in urban areas, even after considering various proxies and endogeneity issues.

引用

页码：1899 / 1911

页数：13

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