Kadırbek SULTAKEEV
(Kırgızistan-Türkiye Manas Üniversitesi)
Dastan ASEİNOV
(Kırgızistan-Türkiye Manas Üniversitesi)
METİN BAYRAK
(Kırgızistan-Türkiye Manas Üniversitesi)
Yıl: 2017Cilt: 6Sayı: 3ISSN: 1694-7215 / 1694-7215Sayfa Aralığı: 99 - 113Türkçe

51 2
BAZI GEÇİŞ EKONOMİSİ ÜLKELERİNDE UYGULANAN MİKROFİNANS SİSTEMİ ETKİNLİĞİNİN FAİZ ORANLARINA TESİRİ
XX. Yüzyıl'ın son çeyreğinde uygulamaya konan Mikrokredi sistemi hızla büyümekte ve gelişmektedir. Mikrokredi sistemi bir taraftan ülkelerin iktisadi büyümelerine yardım ederken, diğer taraftan sosyal yönden gelişmelerine de mühim düzeyde katkı sunmaktadır. Ülkelerde cari olan faiz oranları mikrokredi sistemini etkilemekte, dolayısıyla mikrokrediyle amaçlanan hedeflerde değişen derecelerde sapmalar meydana getirmektedir. Bu çalışmada 2000 - 2014 yılları arası dönemde bazı geçiş ekonomisi ülkelerinde uygulanan mikrofinans sistemi etkinliğinin faiz oranlarına tesiri incelenmiş, BDT'na ait 11 ülkede banka dışı faaliyet gösteren 215 finans kurumunun verileri panel veri yöntemiyle analiz edilmiştir. Çalışma sonucunda geçiş ekonomisi ülkelerinde faaliyet gösteren mikrokredi kurumlarının maliyet etkinliğinin uyguladıkları faiz oranları üzerinde önemli bir etkiye sahip olduğu gözlenmiştir.
DergiAraştırma MakalesiErişime Açık
  • Abate, G. T., Borzaga, C., & Getnet, K. (2014). Cost Efficiency And Outreach Of Microfinance Institutions:
  • Trade-Offs And The Role Of Ownership. Journal of International Development, 26(6), 923- Annim, S.K., (2010). Microfinance efficiency trade-offs and complementarities.
  • Bairagi, S. (2014). Productivity and Efficiency Analysis of Microfinance Institutions (MFIS) in Bangladesh.
  • University Library of Munich, Germany. Balkenhol B., (2007). Microfinance and public policy: Outreach, performance and efficiency. ILO.
  • Beck, T., Demirguc-Kunt, A. and Martinez Peria, M.S., (2008). Services for Everyone? Barriers to Bank Access and Use around the World. World Bank Economic Review, this issue.
  • Berger, A. N., & Mester, L. J. (1997). Inside the black box: What explains differences in the efficiencies of financial institutions?. Journal of Banking & Finance,21(7), 895-947.
  • Bos, J. W. B.& Millone, M. M., (2013). Practice what you preach: Microfinance business models and operational efficiency (No. 067). Maastricht University, Graduate School of Business and Economics (GSBE).
  • Campion, A., Ekka, R. K., & Wenner, M. (2010). Interest rates and implications for microfinance in Latin America and the Caribbean (No. IDB-WP-177en). IDB Working Paper Series. Chikalipah, S. (2012). What influences microfinance lending interest rates in Sub-Saharan Africa, unpublished journal Bournemouth University, Bournemouth, UK
  • Cotler, P., & Almazan, D. (2013). The Lending Interest Rates in the Microfinance Sector: searching for its determinants. Journal of CENTRUM Cathedra: The Business and Economics Research Journal, 6(1), 69-81.
  • Cull, R., & Demirgüç-Kunt, A. (2006). Financial performance and outreach: a global analysis of leading microbanks. World Bank Policy Research Working Paper, (3827).
  • Ferro Luzzi, G., & Weber, S. (2006). Measuring the performance of microfinance institutions. Unpublished working paper, Geneva: Uni-versity of Geneva.
  • Gonzalez, Adrian, Analyzing Microcredit Interest Rates: A Review of the Methodology Proposed by Mohammed Yunus (February 2010). MIX Data Brief No. 4. Available at SSRN
  • Greene, W. H. (1993).The Econometric Approach to Efficiency Analysis. In: Fried HO, Lovell CAK, Schmidt
  • SS (eds.), The Measurement of Productive Efficiency: Techniques and Applications, Oxford University Press, New York, ss. 68-119. Gregoire, J. R., & Tuya, O. R. (2006). Cost efficiency of microfinance institutions in Peru: A stochastic frontier approach. Latin American Business Review,7(2), 41-70.
  • Hausman, J. A. 1978. Specification tests in econometrics. Econometrica 46: 1251-1271.
  • Hermes, N., Lensink, R. and Meesters, A. (2009). Financial development and the Efficiency of Microfinance
  • Institutions. Online resource available at http://papers.ssrn.com/sol3/papers.cfm Hermes, N., Lensink, R. and Meesters, A. (2009). Outreach and Efficiency of Microfinance Institutions, Working paper, University of Groningen.
  • Hermes, N., Lensink, R., & Meesters, A. (2011). Outreach and efficiency of microfinance institutions. World Development, 39(6), 938-948.
  • Janda, K., & Turbat, B. (2013). Determinants of the financial performance of microfinance institutions in Central
  • Asia. Post-Communist Economies, 25(4), 557-568. Jondrow, J., Lovell, C. A. Knox, Materov, I. S., Schmidt, P. (1982). On Estimation of Technical Inefficiency in the Stochastic Frontier Production Function Model. Journal of Econometrics 19,233-238.
  • Kasman, A. (2003).Banking Efficiency During the Financial Crisis Period. ISE Review, 7, pp. 83-97
  • Kinde, B. A. (2012). Financial sustainability of microfinance institutions (MFIs) in Ethiopia. European Journal of Business and Management, 4(15), 1-10.
  • KTMÜ BAP Projesi, Kırgızistan'da Mikro Finans Uygulaması Ve Mikro Kredi Faiz Oranlarının Düşürülmesi, Kumar, S. ve Gulati, R. (2014). Deregulation and Efficiency of Indian Banks, India Studies in Business and Economics, Springer İndia, Chapter 3, 49-131
  • Lensink, R., Meesters, A., & Naaborg, I. (2008). Bank efficiency and foreign ownership: Do good institutions matter?. Journal of Banking and Finance, 32(5), 834-844.
  • Maes J.P. and Reed L.R,(2012). State of The Microcredit Summit Campaign
  • Olivares-Polanco, F. (2005). Commercializing microfinance and deepening outreach: Empirical evidence from
  • Latin America.Journal of Micro-finance, 7(1), 47-69. Oteng-Abayie, E. F., Amanor, K., & Frimpong, J. M. (2013). The measurement and determinants of economic efficiency of microfinance institutions in Ghana: A stochastic frontier approach. African
  • Review of Economics and Finance, 2(2), 149-166. Paxton, J. (2007). Technical efficiency in a semi-formal financial sector: The case of Mexico.Oxford Bulletin of
  • Economics and Statistics, 69(1), 57-74. Schicks J.,(2010). Microfinance and over-indebtedness: Understanding its drivers and challenging the common myths, CEB Working Paper 10/048
  • Sealey, Jr.C.W., Lindley, J.T., (1977). Inputs, Outputs, and Theory of Production Cost at Depository Financial İnstitutions. Journal of Finance, Vol. 32, pp. 1251-1266.
  • Servin, R., Lensink, R., & Van den Berg, M. (2012). Ownership and technical efficiency of microfinance institutions: Empirical evidence from Latin America. Journal of Banking & Finance, 36(7), 2144.
  • Singh, S., Goyal, S. K., & Sharma, S. K. (2013). Technical efficiency and its determinants in microfinance institutions in India: a firm level analysis.Journal of Innovation Economics & Management, (1), 15-31.
  • Stock, J. H., and M. W. Watson. 2008. Heteroskedasticity-robust standard errors for fixed effects panel data regression. Econometrica 76: 155-174.
  • Tabak, B. M., Cajueiro, D. O., & Dias, M. V. (2014). The Adequacy of Deterministic and Parametric Frontiers to
  • Analyze the Efficiency of Indian Commercial Banks (No. 350). University of Manchester Brooks World Poverty Institute. Wooldridge, J. M. 2013. Introductory Econometrics: A Modern Approach. 5th ed. Mason, OH: South-Western.
  • Roberts, P. W. (2013). The profit orientation of microfinance institutions and effective interest rates. World Development, 41, 120-131.
  • Louis, P., Seret, A., & Baesens, B. (2013). Financial efficiency and social impact of microfinance institutions using self-organizing maps. World Development, 46, 197-210.
  • Assefa, E., Hermes, N., & Meesters, A. (2013). Competition and the performance of microfinance institutions. Applied Financial Economics, 23(9), 767-782.
  • Serrano-Cinca, C., & Gutiérrez-Nieto, B. (2014). Microfinance, the long tail and mission drift. International Business Review, 23(1), 181-194.
  • Rosenberg, R., Gaul, S., Ford, W., & Tomilova, O. (2013). Microcredit Interest Rates and Their Determinants:
  • -2011. In Microfinance 3.0 (pp. 69-104). Springer Berlin Heidelberg.

TÜBİTAK ULAKBİM Ulusal Akademik Ağ ve Bilgi Merkezi Cahit Arf Bilgi Merkezi © 2019 Tüm Hakları Saklıdır.