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You searched for +publisher:"Stellenbosch University" +contributor:("Ayayi, Ayi Gavriel"). Showing records 1 – 2 of 2 total matches.

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Stellenbosch University

1. Oguntoyinbo, Mojisola. Credit risk assessment of the microfinance industry in Nigeria : an application to Accion Microfinance Bank Limited (AMFB).

Degree: MDF, 2011, Stellenbosch University

The research report provides a credit risk assessment and evaluation of Accion Microfinance Bank Limited (AMFB) for the period 2006 to 2010, using Morgan Stanley’s methodology for analysing the credits and performance ratings of microfinance institutions (MFIs). Since MFIs are set up to provide credit and other financial services to the poor, financially underserviced segment of the society, and since the credit support granted to such micro businesses usually lacks collateral, it is imperative that the management of such credit services be sound in order to mitigate the high risks involved. Thus, credit risk management determines the success and survival of microfinance banks (MFBs): weak credit management leads to capital erosion and eventual failure, whereas sound credit risk management guarantees profitability and sustainability and, hence, the realisation of the objectives of their setup – enhancing the welfare of micro-entrepreneurs. The data for the research report were sourced from AMFB’s financial statements for the years 2006 to 2010 and from interviews that were conducted with principal officials of this MFB. The research found that good regulatory corporate governance and management practices, sound quantitative credit risk assessment and management, and quality and maturity of management lead to low credit risk accompanied by high profitability and sustainability for MFBs. As AMFB matured, the quality of portfolio, profitability, sustainability and operating efficiency were seen to increase. The quality of shareholders, board and management was found to be crucial for the sound management of the MFB. The research report, therefore, recommends regular and continuous credit risk identification, assessment and management, as well as sound corporate governance, if MFBs are to survive and grow and achieve their developmental objectives. Advisors/Committee Members: Ayayi, Ayi Gavriel.

Subjects/Keywords: Development finance

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6th Edition):

Oguntoyinbo, M. (2011). Credit risk assessment of the microfinance industry in Nigeria : an application to Accion Microfinance Bank Limited (AMFB). (Thesis). Stellenbosch University. Retrieved from http://hdl.handle.net/10019.1/21643

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16th Edition):

Oguntoyinbo, Mojisola. “Credit risk assessment of the microfinance industry in Nigeria : an application to Accion Microfinance Bank Limited (AMFB).” 2011. Thesis, Stellenbosch University. Accessed July 23, 2019. http://hdl.handle.net/10019.1/21643.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7th Edition):

Oguntoyinbo, Mojisola. “Credit risk assessment of the microfinance industry in Nigeria : an application to Accion Microfinance Bank Limited (AMFB).” 2011. Web. 23 Jul 2019.

Vancouver:

Oguntoyinbo M. Credit risk assessment of the microfinance industry in Nigeria : an application to Accion Microfinance Bank Limited (AMFB). [Internet] [Thesis]. Stellenbosch University; 2011. [cited 2019 Jul 23]. Available from: http://hdl.handle.net/10019.1/21643.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Oguntoyinbo M. Credit risk assessment of the microfinance industry in Nigeria : an application to Accion Microfinance Bank Limited (AMFB). [Thesis]. Stellenbosch University; 2011. Available from: http://hdl.handle.net/10019.1/21643

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation


Stellenbosch University

2. Leopold-George, Evelyn. The response of the big 4 commercial banks to the financial inclusion imperative.

Degree: MDF, 2012, Stellenbosch University

South Africa’s Financial Sector Charter of 2003 to 2008 contributed in many ways to financial inclusion of the excluded masses, resulting in a decrease in proportion of excluded excluded from over 50% in 2003 to 23.5% in 2010. Commercial banks around the world have been known to bank the unbanked or downscale using various models. The report investigates the motivation for commercial bank downscaling in South Africa, leading to the various models of downscaling chosen by the Big 4. The reports finds that commercial banks in South Africa are moving away from fragmented methods of engagement of the bottom of the pyramid due to the large market which exists at that segment. This market accounts for on average 50% of the banks’ clients which indicates that banks have been dealing with this market for some time. The recent rise of a Microfinance bank has been credited as the stimulus for the more aggressive approach that banks have taken in recent years. Bank employees believe they have the resources and support to explore models of serving the market profitably while external stakeholder to the bank believe the banks are not geared for the market due to their cost structures and mentality and are therefore not fully exploring the potential in the market. Advisors/Committee Members: Ayayi, Ayi Gavriel.

Subjects/Keywords: Financial inclusion  – South Africa; Financial services industry  – South Africa; UCTD

Record DetailsSimilar RecordsGoogle PlusoneFacebookTwitterCiteULikeMendeleyreddit

APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6th Edition):

Leopold-George, E. (2012). The response of the big 4 commercial banks to the financial inclusion imperative. (Thesis). Stellenbosch University. Retrieved from http://hdl.handle.net/10019.1/97166

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16th Edition):

Leopold-George, Evelyn. “The response of the big 4 commercial banks to the financial inclusion imperative.” 2012. Thesis, Stellenbosch University. Accessed July 23, 2019. http://hdl.handle.net/10019.1/97166.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7th Edition):

Leopold-George, Evelyn. “The response of the big 4 commercial banks to the financial inclusion imperative.” 2012. Web. 23 Jul 2019.

Vancouver:

Leopold-George E. The response of the big 4 commercial banks to the financial inclusion imperative. [Internet] [Thesis]. Stellenbosch University; 2012. [cited 2019 Jul 23]. Available from: http://hdl.handle.net/10019.1/97166.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Leopold-George E. The response of the big 4 commercial banks to the financial inclusion imperative. [Thesis]. Stellenbosch University; 2012. Available from: http://hdl.handle.net/10019.1/97166

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

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