Ruralurban financial inclusion: Implications on the cost sustainability of microfinance lenders
- Title
- Ruralurban financial inclusion: Implications on the cost sustainability of microfinance lenders
- Creator
- Mia M.A.; Sangwan S.; Hussain A.H.M.B.; Malim N.A.K.
- Description
- Despite the higher demand for credit among the rural poor, many commercial banks and microfinance institutions (MFIs) are averse towards microfinancing activities in rural areas due to their high-cost implication compared to urban areas. Therefore, this study empirically investigates the effect of rural and urban financial inclusion on the cost sustainability of MFIs. To this end, a globally representative sample of 1729 MFIs' data covering the period 20082018 were analyzed. Contrary to the orthodox perception, our overall result revealed that lending in rural areas is more cost-efficient than in urban areas, even after considering various proxies and endogeneity issues. 2021 John Wiley & Sons, Ltd.
- Source
- Managerial and Decision Economics, Vol-43, No. 6, pp. 1899-1911.
- Date
- 2022-01-01
- Publisher
- John Wiley and Sons Ltd
- Coverage
- Mia M.A., School of Management, Universiti Sains Malaysia, Penang, Malaysia, Department of Business Administration, Daffodil International University, Dhaka, Bangladesh; Sangwan S., Department of Commerce, Christ University, Pune, India; Hussain A.H.M.B., Centre for Research on Women and Gender (KANITA), Universiti Sains Malaysia, Penang, Malaysia; Malim N.A.K., School of Management, Universiti Sains Malaysia, Penang, Malaysia
- Rights
- Restricted Access
- Relation
- ISSN: 1436570
- Format
- Online
- Language
- English
- Type
- Article
Collection
Citation
Mia M.A.; Sangwan S.; Hussain A.H.M.B.; Malim N.A.K., “Ruralurban financial inclusion: Implications on the cost sustainability of microfinance lenders,” CHRIST (Deemed To Be University) Institutional Repository, accessed November 4, 2025, https://archives.christuniversity.in/items/show/14983.