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Alain de Crombrugghe, Michel Tenikue () and Julie Sureda

Annals of Public and Cooperative Economics, 2008, vol. 79, issue 2, 269-299

Abstract: ABSTRACT**: We use regression analysis to study the determinants of self‐sustainability of a sample of microfinance institutions in India. These institutions stand out by their ability and willingness to report financial and operational data to Sa Dhan, a know‐how sharing organization. We investigate particularly three aspects of sustainability: cost coverage by revenue, repayment of loans and cost‐control. Our results suggest that the challenge of covering costs on small and partly unsecured loans can indeed be met, without necessarily increasing the size of the loans or raising the monitoring cost. The analysis suggests other ways to improve the financial results, like a better targeting of the interest rate policy or increasing the number of borrowers per field officer especially in collective delivery models.

Date: 2008
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