Pub Date : 2022-03-01DOI: 10.3362/1755-1986.21-00039
Joanna Springer, Tracy Slaybaugh-Mitchell, Guhad Adan, Alison Bean de Hernández
Livestock and grain market systems in Somalia’s South West State, while vital to food security and household income, are affected by recurrent shocks, including insecurity, climate shocks, pests and livestock disease, desert locusts, and the COVID-19 pandemic. The fact that markets continue to function indicates a substantial degree of resilience. Findings from a mixed-method assessment across eight domains of system resilience indicate that the grain market system is more resilient than the livestock market system in three key domains: business strategy, diversity, and connectivity. Results show that grain businesses recover more quickly and are more likely to take action to achieve recovery than livestock businesses. When confronted by thin markets, practitioners have tended to respond by strengthening existing market actors, with the goal of filling critical gaps in the market. However, our findings provide new types of information to address systemic issues and strengthen market system resilience.
{"title":"Comparative resilience of Somali grain and livestock market systems","authors":"Joanna Springer, Tracy Slaybaugh-Mitchell, Guhad Adan, Alison Bean de Hernández","doi":"10.3362/1755-1986.21-00039","DOIUrl":"https://doi.org/10.3362/1755-1986.21-00039","url":null,"abstract":"Livestock and grain market systems in Somalia’s South West State, while vital to food security and household income, are affected by recurrent shocks, including insecurity, climate shocks, pests and livestock disease, desert locusts, and the COVID-19 pandemic. The fact that markets continue to function indicates a substantial degree of resilience. Findings from a mixed-method assessment across eight domains of system resilience indicate that the grain market system is more resilient than the livestock market system in three key domains: business strategy, diversity, and connectivity. Results show that grain businesses recover more quickly and are more likely to take action to achieve recovery than livestock businesses. When confronted by thin markets, practitioners have tended to respond by strengthening existing market actors, with the goal of filling critical gaps in the market. However, our findings provide new types of information to address systemic issues and strengthen market system resilience.","PeriodicalId":308609,"journal":{"name":"Enterprise Development & Microfinance","volume":"60 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130939326","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-03-01DOI: 10.3362/1755-1986.2022.33-1.cf
Kristin O’Planick, John Meyer
With the increase of 8.5 per cent or 56 million people falling into extreme poverty in 2021–2, effective development programming has become more urgent. Different approaches will be addressed in this crossfire.
{"title":"Crossfire: Can effective programming approaches to lift people over the poverty line focus on market systems alone?","authors":"Kristin O’Planick, John Meyer","doi":"10.3362/1755-1986.2022.33-1.cf","DOIUrl":"https://doi.org/10.3362/1755-1986.2022.33-1.cf","url":null,"abstract":"With the increase of 8.5 per cent or 56 million people falling into extreme poverty in 2021–2, effective development programming has become more urgent. Different approaches will be addressed in this crossfire.","PeriodicalId":308609,"journal":{"name":"Enterprise Development & Microfinance","volume":"337 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122541090","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-03-01DOI: 10.3362/1755-1986.21-00035
James M. Naughton, Anne K. Brady
The vulnerability of populations with limited resources and either in or at risk of poverty to a myriad of crises continues to increase. The ongoing COVID-19 pandemic has further highlighted the inadequate resilience to crisis that such populations hold, and the rising prevalence of climatic variation is an existential risk factor that will continue to rise. In Mozambique, most livelihoods depend on natural resources and there is a high threat of extreme climate-related events. By drawing lessons from the Financial Services Deepening Mozambique (FSDMoç) programme, we highlight ways in which greater resilience has been built among fragile populations through innovative uses of digital financial services (DFS), and how resilience has been built with an explicit gender lens in order to mitigate existing inequalities. Lessons are drawn in relation to challenges faced and their application to wider programming.
{"title":"Building resilience to crisis through digital financial services with a gender lens","authors":"James M. Naughton, Anne K. Brady","doi":"10.3362/1755-1986.21-00035","DOIUrl":"https://doi.org/10.3362/1755-1986.21-00035","url":null,"abstract":"The vulnerability of populations with limited resources and either in or at risk of poverty to a myriad of crises continues to increase. The ongoing COVID-19 pandemic has further highlighted the inadequate resilience to crisis that such populations hold, and the rising prevalence of climatic variation is an existential risk factor that will continue to rise. In Mozambique, most livelihoods depend on natural resources and there is a high threat of extreme climate-related events. By drawing lessons from the Financial Services Deepening Mozambique (FSDMoç) programme, we highlight ways in which greater resilience has been built among fragile populations through innovative uses of digital financial services (DFS), and how resilience has been built with an explicit gender lens in order to mitigate existing inequalities. Lessons are drawn in relation to challenges faced and their application to wider programming.","PeriodicalId":308609,"journal":{"name":"Enterprise Development & Microfinance","volume":"44 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122100080","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-12-01DOI: 10.3362/1755-1986.20-00017
N. a, Bala Batavia
{"title":"Microfinance and business regulations in emerging markets","authors":"N. a, Bala Batavia","doi":"10.3362/1755-1986.20-00017","DOIUrl":"https://doi.org/10.3362/1755-1986.20-00017","url":null,"abstract":"","PeriodicalId":308609,"journal":{"name":"Enterprise Development & Microfinance","volume":"290 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122773179","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-12-01DOI: 10.3362/1755-1986.21-00008
W. Steel, Seth Anani, A. Asante, Yaw Gyima-Larbi
{"title":"To regulate or not? Microfinance growth and collapse in Ghana","authors":"W. Steel, Seth Anani, A. Asante, Yaw Gyima-Larbi","doi":"10.3362/1755-1986.21-00008","DOIUrl":"https://doi.org/10.3362/1755-1986.21-00008","url":null,"abstract":"","PeriodicalId":308609,"journal":{"name":"Enterprise Development & Microfinance","volume":"45 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123450833","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2021-12-01DOI: 10.3362/1755-1986.21-00033
Priti Dubey, Garima Sirohi
{"title":"Performance of microfinance institutions during the COVID-19 pandemic: evidence from Indian states","authors":"Priti Dubey, Garima Sirohi","doi":"10.3362/1755-1986.21-00033","DOIUrl":"https://doi.org/10.3362/1755-1986.21-00033","url":null,"abstract":"","PeriodicalId":308609,"journal":{"name":"Enterprise Development & Microfinance","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134547270","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2020-09-01DOI: 10.3362/1755-1986.19-00022
C. Chagwiza, R. Ruben, C. Machethe
This study investigates factors that influence the choice of marketing strategies among dairy farmers in Ethiopia. The farmers used three marketing strategies, namely, milk products marketing (26 per cent), raw milk marketing (59 per cent), and both milk products marketing and raw milk marketing (15 per cent). The results showed that the following factors influenced the probability of choosing a raw milk marketing strategy over milk products marketing: age of the household head, proportion of crossbreed cows owned, total milk produced, distance to the market, income per litre of milk, and cooperative membership. Further analysis revealed that dairy farmers are better off if they utilize the raw milk marketing strategy, which has higher returns. Farmers who relied only on milk products marketing had significantly lower dairy income. It is recommended that tailored efforts are channelled towards improving access to raw milk markets by establishing more milk collection points.
{"title":"Marketing strategy choice and the associated income differentials among smallholder dairy farmers in Ethiopia","authors":"C. Chagwiza, R. Ruben, C. Machethe","doi":"10.3362/1755-1986.19-00022","DOIUrl":"https://doi.org/10.3362/1755-1986.19-00022","url":null,"abstract":"This study investigates factors that influence the choice of marketing strategies among dairy farmers in Ethiopia. The farmers used three marketing strategies, namely, milk products marketing (26 per cent), raw milk marketing (59 per cent), and both milk products marketing and raw milk marketing (15 per cent). The results showed that the following factors influenced the probability of choosing a raw milk marketing strategy over milk products marketing: age of the household head, proportion of crossbreed cows owned, total milk produced, distance to the market, income per litre of milk, and cooperative membership. Further analysis revealed that dairy farmers are better off if they utilize the raw milk marketing strategy, which has higher returns. Farmers who relied only on milk products marketing had significantly lower dairy income. It is recommended that tailored efforts are channelled towards improving access to raw milk markets by establishing more milk collection points.","PeriodicalId":308609,"journal":{"name":"Enterprise Development & Microfinance","volume":"68 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114686051","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2020-07-22DOI: 10.3362/1755-1986.19-00016
Henry Agyei‐Boapeah, S. Adu-Boakye, J. Amankwah‐Amoah, J. Brodmann
With increased competition in the microfinance industry in most African markets, customer satisfaction and retention are important issues for most microfinance institutions (MFIs) in the region. We rely on survey data from customers of MFIs in Ghana to examine the potential determinants of customer satisfaction in the microfinance sector. We find customer satisfaction to be significantly related to customers’ experiences and motivations such as the primary reason for associating with MFIs, and the size of credit they seek. We further find customers’ demographic factors such as educational attainment and household income levels to be related to customer satisfaction in the microfinance sector. Our results are largely consistent with the view that MFIs offer a valuable service by expanding access to small credits to poor households and microenterprises who are either denied credit by the formal banking sector or who are exploited by informal moneylenders. Further, our interviews with top managers of MFIs highlight various tactics utilised by MFIs in Ghana to manage their credit risks.
{"title":"Customer satisfaction in microfinance institutions: insights from Ghana","authors":"Henry Agyei‐Boapeah, S. Adu-Boakye, J. Amankwah‐Amoah, J. Brodmann","doi":"10.3362/1755-1986.19-00016","DOIUrl":"https://doi.org/10.3362/1755-1986.19-00016","url":null,"abstract":"With increased competition in the microfinance industry in most African markets, customer satisfaction and retention are important issues for most microfinance institutions (MFIs) in the region. We rely on survey data from customers of MFIs in Ghana to examine the potential determinants of customer satisfaction in the microfinance sector. We find customer satisfaction to be significantly related to customers’ experiences and motivations such as the primary reason for associating with MFIs, and the size of credit they seek. We further find customers’ demographic factors such as educational attainment and household income levels to be related to customer satisfaction in the microfinance sector. Our results are largely consistent with the view that MFIs offer a valuable service by expanding access to small credits to poor households and microenterprises who are either denied credit by the formal banking sector or who are exploited by informal moneylenders. Further, our interviews with top managers of MFIs highlight various tactics utilised by MFIs in Ghana to manage their credit risks.","PeriodicalId":308609,"journal":{"name":"Enterprise Development & Microfinance","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-07-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131628941","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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