How Does Competition Affect the Performance of MFIs? Evidence from Bangladesh

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dc.creatorBadruddoza, Syed
dc.creatorKhandker, Shahidur R.
dc.creatorKoolwal, Gayatri B.
dc.date2013-07-10T18:20:55Z
dc.date2013-07-10T18:20:55Z
dc.date2013-04
dc.date.accessioned2026-07-01T00:53:13Z
dc.descriptionOver the past 20 years, Bangladesh has witnessed strong competition among microfinance institutions. Using program-level panel data from 2005-2010, this paper studies the microfinance institutions' recent competitive roles in their pricing of products, targeting strategies and portfolio shifts, as well as their ability to recover loans. The findings do not support the view that newer microfinance institutions are less risk-averse in their targeting, or that increased borrowing among households due to microfinance institution competition has lowered recovery rates. There is also a considerable urban-rural distinction; although newer microfinance institutions tend to attract riskier clients in urban areas, the opposite is true in rural areas. Loan recovery rates are also the highest among the newest microfinance institutions for women in rural areas, suggesting that microfinance institutions may offer distinct products in these areas to attract better-risk clients. The portfolio of newer microfinance institutions also has a greater share of lending for agriculture, and fewer savings products.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2013/04/17580708/competition-affect-performance-mfis-evidence-bangladesh
dc.identifierhttps://hdl.handle.net/10986/14446
dc.identifierhttps://doi.org/10.1596/1813-9450-6408
dc.identifier.urihttp://hdl.handle.net/123456789/412474
dc.languageEnglish
dc.languageen_US
dc.publisherWorld Bank, Washington, D.C.
dc.relationPolicy Research Working Paper;No.6408
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCESS TO MARKETS
dc.subjectACCOUNTING
dc.subjectADVERSE SELECTION
dc.subjectAGRICULTURAL CREDIT
dc.subjectASYMMETRIC INFORMATION
dc.subjectAVAILABILITY OF CREDIT
dc.subjectBANK POLICY
dc.subjectBORROWER
dc.subjectBRANCH
dc.subjectBRANCHES
dc.subjectCENTRAL BANK
dc.subjectCLIENT BASE
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMERCIAL INVESTMENT
dc.subjectCOMPETITIVE MARKET
dc.subjectCONSTRAINTS ON BORROWERS
dc.subjectCONSUMER PROTECTION
dc.subjectCOOPERATIVES
dc.subjectCREDIT ACCESS
dc.subjectCREDIT BUREAU
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT MARKET
dc.subjectCREDIT MARKETS
dc.subjectCREDIT PRODUCTS
dc.subjectCREDIT PROGRAMS
dc.subjectCREDIT SCORING
dc.subjectCROP LOANS
dc.subjectDEBT
dc.subjectDEFAULT RATES
dc.subjectDEFAULTS
dc.subjectDEMAND FOR CREDIT
dc.subjectDEVELOPING COUNTRIES
dc.subjectDISBURSEMENT
dc.subjectDISBURSEMENTS
dc.subjectDIVERSIFICATION
dc.subjectECONOMIC CRISIS
dc.subjectEXPANSIONS
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL REGULATION
dc.subjectFINANCIAL STUDIES
dc.subjectGRAMEEN BANK
dc.subjectGROUP SAVINGS
dc.subjectGROWTH RATE
dc.subjectHOUSING
dc.subjectHOUSING LOANS
dc.subjectINCOME
dc.subjectINCOMES
dc.subjectINDEBTEDNESS
dc.subjectINFORMATION ON BORROWERS
dc.subjectINSTITUTIONAL FUNDS
dc.subjectINSTRUMENT
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTEREST RATES FOR LOANS
dc.subjectINTEREST RATES ON LOANS
dc.subjectINTERNATIONAL BANK
dc.subjectJOINT LIABILITY
dc.subjectLEGISLATION
dc.subjectLENDER
dc.subjectLENDERS
dc.subjectLENDING INSTITUTIONS
dc.subjectLIABILITY
dc.subjectLITERACY
dc.subjectLOAN
dc.subjectLOAN CONTRACTS
dc.subjectLOAN DEFAULTS
dc.subjectLOAN PARTICIPANTS
dc.subjectLOAN RECOVERY
dc.subjectLOAN REPAYMENT
dc.subjectLOAN REPAYMENTS
dc.subjectLOAN SIZES
dc.subjectMARKET ENTRY
dc.subjectMARKET INFORMATION
dc.subjectMFI
dc.subjectMICRO-CREDIT
dc.subjectMICROBANKING
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INDUSTRY
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROFINANCE LENDING
dc.subjectMICROFINANCE MARKET
dc.subjectMICROFINANCE MARKETS
dc.subjectMICROFINANCE ORGANIZATIONS
dc.subjectMICROFINANCE PROGRAM
dc.subjectMICROFINANCE PROGRAMS
dc.subjectMICROFINANCE REGULATION
dc.subjectMICROLENDING
dc.subjectMICROLOANS
dc.subjectMONEYLENDERS
dc.subjectNET SAVINGS
dc.subjectNEW ENTRANTS
dc.subjectOPERATING COSTS
dc.subjectOPERATING EXPENSES
dc.subjectOUTREACH
dc.subjectPARTICULAR COUNTRY
dc.subjectPARTY
dc.subjectPENALTIES
dc.subjectPOOL OF BORROWERS
dc.subjectPOOR HOUSEHOLDS
dc.subjectPORTFOLIO
dc.subjectPORTFOLIOS
dc.subjectPOVERTY ALLEVIATION
dc.subjectPRIVATE BANKS
dc.subjectPROFITABILITY
dc.subjectPUBLIC POLICIES
dc.subjectPUBLIC POLICY
dc.subjectRAPID EXPANSION
dc.subjectREGULATORY AGENCY
dc.subjectREGULATORY AUTHORITY
dc.subjectREMOTE AREAS
dc.subjectREPAYMENT
dc.subjectREPAYMENT BEHAVIOR
dc.subjectREPAYMENT SCHEDULE
dc.subjectRETURN
dc.subjectRETURNS
dc.subjectRISKY BORROWERS
dc.subjectRURAL BORROWERS
dc.subjectSAVINGS RATES
dc.subjectSMALL BUSINESS
dc.subjectSMALL BUSINESS LOANS
dc.subjectSUBSIDIARY
dc.subjectSUSTAINABLE MICROFINANCE
dc.subjectTRANSACTION
dc.subjectTRANSACTION COSTS
dc.subjectWHOLESALE FUNDING
dc.titleHow Does Competition Affect the Performance of MFIs? Evidence from Bangladesh

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