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Debatten kring kommersiella mikrofinansorganisationer
Blekinge Institute of Technology, School of Management.
2012 (Swedish)Independent thesis Basic level (degree of Bachelor)Student thesisAlternative title
The debate about commercial microfinance organizations : an introductory comparison of the effects of an IPO (English)
Abstract [sv]

Uppsatsen syfte är att analysera förändringarna hos tre mikrofinansiella organisationer då de gjorde ett inträde på aktiemarknaden. Fem kritiska punkter behandlas; antalet låntagare, hur fattiga låntagarna är, återbetalningsfrekvensen, ränteförändringar och vinstförändringar. Studien är begränsad till tre år - året före inträdet, inträdesåret samt året efter inträdet. Resultatet av studien visar att samtliga har ökat antal låntagare i och med IPO men endast Compartamos har fortsatt att öka året efter IPO, både SKS och Banco Sol har minskat antalet. Kritiken gällande nivå av fattigdom stämmer endast överens med Banco Solidario, enligt min studie hjälper de endast mindre fattiga människor. Att återbetalningsfrekvensen skulle vara sämre hos de kommersiella stämmer inte med någon av organisationerna. Samtliga organisationer har räntenivåer över den fattigdomsfokuserade nivån, Compartamos hade den högsta räntenivån. Detta berättigar kritiken om höga räntenivåer hos kommersiella MFI. Vinsten har ökat hos samtliga. Fortsatt forskning skulle kunna göras med utgångspunkt ur denna studie då den endast behandlar tre organisationer under tre år.

Abstract [en]

The purpose of the essay is to compare three micro financial organizations that have made an initial public offering. Five critical areas are being analyzed; numbers of borrowers, how poor are the borrowers, repayment-frequency, change in interest rate and change in revenue. The study is limited to the year before IPO, the IPO-year and the year after IPO. All three MFI have increased the number of borrowers after IPO, only Compartamos increased their rate the year after IPO. The critique about poor depth of outreach is accurate only when it comes to Banco Solidario. Poor repayment does not constitute for any of the organizations. All three MFI have high interest rate, Compartamos has the highest rate. This approves the critique on high interest rates directed towards commercial MFI. All MFI have increased their revenue. Continued research could be done on this essay due to the fact that this study only covers three organizations during three years.

Place, publisher, year, edition, pages
2012. , 54 p.
Keyword [sv]
mikrofinans, organisation, IPO, kommersialisering, SKS, Banco Sol, Compartamos, Fristående kurs
National Category
Business Administration
Identifiers
URN: urn:nbn:se:bth-3881Local ID: oai:bth.se:arkivex2BE94A85B5DBB166C1257AF0004FAC79OAI: oai:DiVA.org:bth-3881DiVA: diva2:831195
Uppsok
Social and Behavioural Science, Law
Supervisors
Available from: 2015-04-22 Created: 2013-01-11 Last updated: 2015-06-30Bibliographically approved

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CiteExportLink to record
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