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Khan Muhammad Mohsin (National Bank of Pakistan)
Credit Constraints for Microfinance Sector in Pakistan, an Analysis of Internal and External Factors
International Letters of Social and Humanistic Sciences (ILSHS), 2015, vol. 6 (1), s. 164-173, rys., tab., bibliogr. 12 poz.
Słowa kluczowe
Mikrofinanse, Ograniczenia kredytowe, Dochody ludności
Microfinance, Credit restraint, People's income
Microfinance is considered to be an effective tool for poverty alleviation, employment generation, income generation and income equality. It is a financial service provided to poor people who do not have any other source of funds or have access to financial services. The purpose of this research paper is to determine the credit constraints that are facing by microfinance sector in Pakistan. The data is collected through structured questionnaires from 250 respondents who are employees of MFBs/ MFIs keeping in view three broad categories of theoretical framework including internal factors having sub variables like operational cost, HR capacity, innovation and external factors having sub variables like competition, language, awareness as independent variables and a dependent variable having sub variable that is credit constraints for microfinance sector. Regression analysis has been used to determine the impact of independent variables i.e. internal and external factors on dependent variable that is credit constraints. The study found that there is a significant impact of internal and external factors on the credit constraints facing the microfinance sector. Based on the results it is recommended that concerned authorities should give due importance to all sub variables of internal and external factors in order to minimize the issue of credit constraints facing the microfinance sector. (original abstract)
Pełny tekst
  1. Otero M. and E. Rhyne (2006), Microfinance through the Next Decade: "Visioning the Who,What, Where, When, and How" ACCION International.
  2. Sulaiman D. Muhammad, Microfinance Challenges and Opportunities in Pakistan, European Journal of Social Sciences - Volume 14, Number 1 (2010)
  3. Microfinance Review by Business Recorder (2013).
  4. Narrowing the gap- A survey of the barriers and drivers to commercial microfinance in Africa by UNEP (2009)
  5. Ishrat Hussain (2011), Key regulatory tools for Promotion of access to finance.
  6. Aban and Mohsin (2010), Significance of small deposits for Microfinance Providers.
  7. Kanwal Bukhary (2010), Microfinance in Pakistan- Policy, sector updates and key issues
  8. Pakistan Microfinance Network (2013), Funding industry growth- growing beyond numbers.
  9. Dr. Yunus (2011), Expanding Microcredit Outreach To Reach The Millennium Development Goal- Some Issues For Attention.
  10. Dr. Shamshad Akhtar 2007, Building Inclusive Financial System in Pakistan.
  11. Shan E Ahmad Syedah, Batool S. Anum, Anwar Zeshan, Khan M. Kaleem (2013), Budding Issues In Microfinance Sector Of Pakistan.
  12. Sibghatullah Nasir (2013), Microfinance in India: Contemporary Issues and Challenges
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