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
收藏
页码：1899 / 1911
页数：13
相关论文
共 50 条
  • [41] Cervical Cancer Mortality in Romania: Trends, Regional and Rural-Urban Inequalities, and Policy Implications
    Furtunescu, Florentina
    Bohiltea, Roxana Elena
    Neacsu, Adrian
    Grigoriu, Corina
    Pop, Corina Silvia
    Bacalbasa, Nicolae
    Ducu, Ionita
    Iordache, Ana-Maria
    Costea, Radu Virgil
    [J]. MEDICINA-LITHUANIA, 2022, 58 (01):
  • [42] Decentralization and rural-urban income inequality: implications for inverted-U hypothesis of Pakistan
    Shahid, Muhammad
    Ahmad, Khalil
    Haider, Ayesha
    Ali, Safdar
    [J]. EVOLUTIONARY AND INSTITUTIONAL ECONOMICS REVIEW, 2024,
  • [43] Replicating the suitability rule and economic theory in pursuit of microfinance inclusion of women micro-agribusinesses in rural financial markets
    Bongomin, George Okello Candiya
    Semukono, Frederick
    Yourougou, Pierre
    Balinda, Rebecca
    [J]. JOURNAL OF AGRIBUSINESS IN DEVELOPING AND EMERGING ECONOMIES, 2024,
  • [44] Implications of Rural-Urban Migration for Conservation of the Atlantic Forest and Urban Growth in Misiones, Argentina (1970-2030)
    Izquierdo, Andrea E.
    Grau, Hector R.
    Aide, T. Mitchell
    [J]. AMBIO, 2011, 40 (03) : 298 - 309
  • [45] The role of P2P platforms in enhancing financial inclusion in the United States: An analysis of peer-to-peer lending across the rural-urban divide
    Maskara, Pankaj Kumar
    Kuvvet, Emre
    Chen, Gengxuan
    [J]. FINANCIAL MANAGEMENT, 2021, 50 (03) : 747 - 774
  • [46] Analysis of Farmers' Preferences for Financial Services & Disparities in Financial Demands-Based on Interactive Development of Rural-Urban Integration & Finance
    Liu, Saihong
    Wang, Guoshun
    [J]. ADVANCES IN ASIA-PACIFIC LOW CARBON ECONOMY, 2010, : 243 - 250
  • [47] Determinants and Mechanisms of Digital Financial Inclusion Development: Based on Urban-Rural Differences
    Liu, Guang
    Huang, Yunying
    Huang, Zhehao
    [J]. AGRONOMY-BASEL, 2021, 11 (09):
  • [48] A discourse analysis of financial inclusion: post-liberalization mapping in rural and urban India
    Lenka, Sanjaya Kumar
    Barik, Rajesh
    [J]. JOURNAL OF FINANCIAL ECONOMIC POLICY, 2018, 10 (03) : 406 - 425
  • [49] The role of digital financial inclusion in China on urban-rural disparities in healthcare expenditures
    Zhang, Yuyang
    Li, Keyi
    Pang, Yumeng
    Coyte, Peter C.
    [J]. FRONTIERS IN PUBLIC HEALTH, 2024, 12
  • [50] Financial sustainability of rural water supply: An analysis of cost recovery, revenue collection, and efficiency
    Mohanty, Tapasi
    Rout, Himanshu Sekhar
    [J]. WATER AND ENVIRONMENT JOURNAL, 2023, 37 (01) : 44 - 57
12345