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              <text>Ruralurban financial inclusion: Implications on the cost sustainability of microfinance lenders</text>
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              <text>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 &amp;amp; Sons, Ltd.</text>
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              <text>Mia M.A.; Sangwan S.; Hussain A.H.M.B.; Malim N.A.K.</text>
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              <text>Managerial and Decision Economics, Vol-43, No. 6, pp. 1899-1911.</text>
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              <text>John Wiley and Sons Ltd</text>
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              <text>2022-01-01</text>
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              <text>&lt;a href="https://doi.org/10.1002/mde.3498" target="_blank" rel="noreferrer noopener"&gt;https://doi.org/10.1002/mde.3498&lt;/a&gt;
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              <text>ISSN: 1436570</text>
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              <text>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</text>
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