Banks and Microbanks
By Robert J. Cull, Asli Demirgüç-Kunt, J. Morduch. Journal of financial services research, 2009
136 citations recorded by the source corpus.
We combine two datasets to examine whether the presence of banks affects the profitability and outreach of microfinance institutions. We find evidence that competition matters. Greater bank penetration in the overall economy is associated with microbanks pushing toward poorer markets, as reflected in smaller average loans sizes and greater outreach to women. The evidence is particularly strong for microbanks relying on commercial-funding and using traditional bilateral lending contracts (rather than group lending methods favored by microfinance NGOs). We consider plausible alternative explanations for the correlations, including relationships that run through the nature of the regulatory environment and the structure of the banking environment, but we fail to find strong support for these alternative hypotheses.
Subfields: Accounting, Economics and Econometrics, Management Information Systems
View Paper: https://www.semanticscholar.org/paper/e8d56b95c8cd1db1fc71bcab1efe4fede268691f
How researchers see this paper
The researchers whose trusted networks rank it highest, strongest advocate first. Every researcher gets a different order.
In Accounting
- Robert J. Cull
- J. Morduch
- Asli Demirgüç-Kunt
- Thorsten Beck
- Susanna Khavul
- V. Bogan
- Roy Mersland
- Peter W. Roberts
In Economics and Econometrics
- Robert J. Cull
- J. Morduch
- Susanna Khavul
- Asli Demirgüç-Kunt
- V. Bogan
- Bert D’Espallier
- Roy Mersland
- M. Hudon
In Management Information Systems
- J. Morduch
- Robert J. Cull
- Susanna Khavul
- V. Bogan
- Bert D’Espallier
- Peter W. Roberts
- Michael Lounsbury
- N. Hermes
Citations in the corpus
- Microfinance and economic development (2017, methodology): “For example, Cull et al. (2014) use MIX Market data (see below) to show that the supporting institutional framework in terms of accounting transparency, client protection, the quality of credit bureaus, and the feasibility of financial transactions through agents are all positively associated with…”
- Competition and the performance of microfinance institutions (2013, unknown): “Cull et al. (2009a) describe competition in the Latin American microfinance market where the commercial approach to microfinance proceeded swiftly during the past decade.”
- Determinants of the Performance of Microfinance Institutions: A Systematic Review (2018, unknown): “Cull et al. (2013) draw a similar conclusion.”