论文标题
肯尼亚小额信贷银行财务绩效的决定因素
Determinants of Financial Performance of Microfinance Banks in Kenya
论文作者
论文摘要
小额信贷可以增强低收入者的经济活动，从而有助于消除贫困。但是，小额信贷机构面临来自商业银行的严格竞争；商业银行的微观活动的增长可能会随着借款人的竞争而面对小额信贷机构。在肯尼亚，微财务部门的市场份额和盈利能力转移表明。这项研究试图研究肯尼亚小额信贷银行财务绩效的决定因素。该研究采用了描述性研究设计，并在2011年至2015年间使用了5年的7个小额信贷银行的二级数据。使用相关和回归分析分析了收集的数据。该研究发现，肯尼亚小额信贷银行的运营效率，资本充足性，公司规模和财务绩效之间存在积极且统计学上的显着关系。但是，该研究发现肯尼亚的小额信贷银行的流动性风险，信用风险和财务绩效之间存在微不足道的负面关系。研究得出的结论是，肯尼亚小额信贷银行的运营效率，资本充足性，公司规模和财务绩效之间存在直接关系。
Microfinance provides strength to boost the economic activities of low-income earners and thus contributes to eradication of poverty. However, microfinance institutions face stringent competition from commercial banks; the growth of microloan activities of commercial banks may confront microfinance institutions with increased competition for borrowers. In Kenya, the micro finance sector has extremely high competition indicated by the shifting market share and profitability. This study sought to examine the determinants of financial performance of Microfinance banks in Kenya. The study adopted a descriptive research design and used secondary data from 7 Microfinance banks for a period of 5 years from 2011 to 2015. The data collected was analyzed using correlation and regression analysis. The study found a positive and statistically significant relationship between operational efficiency, capital adequacy, firm size and financial performance of microfinance banks in Kenya. However, the study found an insignificant negative relationship between liquidity risk, credit risk and financial performance of microfinance banks in Kenya. The study concluded that there is direct relationship between operational efficiency, capital adequacy, firm size and financial performance of microfinance banks in Kenya.
