Komercializace mikrofinančních institucí

Švenka, David

This thesis is focused on commercialization in microfinance. Particularly on one of its possible negative impacts - the mission drift. Microfinance could be described as a useful financial tool that makes it possible to provide banking services, usually small loans and deposits, to rural poor people who live in places where it is hard to access the traditional banking sector. Commercialization of microfinance institutions means that the MFIs seek for commercial ways of funding. This usually happens when, for instance, some of the microfinance NGOs transforms into regulated commercial entity. Mission drift is then a situation when the microfinance institutions (MFIs) commercialize and abandon some of their poorest clients in order to pursuit some non-social goal such as sustainability or profitability. Therefore the MFIs drift from their original mission which is usually to fight the poverty. So far, there has not been conducted a lot of research on this topic. Furthermore, neither the microfinance experts agree with each other about the existence of mission drift. Therefore the main goal of this thesis is to closer inspect the mission drift on data from the MIX database. To do this we have used the regression analysis, combined with analysis of historical performance of the observed MFIs.

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