Review literatur financial sustainability pada lembaga keuangan mikro lintas negara
Abstract
Tujuan dari penelitian untuk memetakan variabel-variabel independen yang mempengaruhi financial sustainability lembaga keuangan mikro yang terdapat di beberapa negara. Lembaga keuangan mikro merupakan bagian dalam sistem keuangan negara yang dibutuhkan oleh masyarakat kecil dengan tujuan mengurangi kemiskinan. Lembaga keuangan mikro diharapkan mampu menjadi pilihan bagi masyarakat yang berpendapatan rendah. Financial sustainability adalah kemampuan suatu entitas untuk menutupi seluruh biayanya dari pendapatan operasionalnya tanpa bergantung pada pihak ketiga atau subsidi. Sebanyak 20 artikel penelitian kuantitatif disentisis dan dibuat peta untuk penelitian berikutnya. Hasil penelitian diperoleh setidaknya ada tiga faktor besar yang mempengaruhi financial sustainability lembaga keuangan mikro yaitu faktor makro ekonomi, faktor lembaga keuangan mikro, dan faktor dari peminjam.
References
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Bogan, V. L. (2009). Microfinance Institutions: Does Capital Structure Matter? SSRN Electronic Journal, February. https://doi.org/10.2139/ssrn.1144762
Duguma, G. J., & Han, J. (2018). Effect of deposit mobilization on the financial sustainability of rural saving and credit cooperatives: Evidence from Ethiopia. Sustainability (Switzerland), 10(10). https://doi.org/10.3390/su10103387
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Gashayie, A., & Singh, M. (2015). Factors that Affect Financial Sustainability of Microfinance Institution : Literature Review. European Journal of Business and Management, 7(7), 223–229.
Henock, M. S. (2019). Financial sustainability and outreach performance of saving and credit cooperatives: The case of Eastern Ethiopia. Asia Pacific Management Review, 24(1), 1–9. https://doi.org/10.1016/j.apmrv.2018.08.001
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Kinde, B. A. (2012). Financial Sustainability of Microfinance Institutions ( MFIs ) in Ethiopia. European Journal of Business and Management, 4(15), 1–10. https://doi.org/10.17010//2015/v9i5/71443
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Paxton, J. (2002). Depth of outreach and its relation to the sustainability of microfinance institutions. Savings and Development, 69–86.
Quayes, S. (2012). Depth of outreach and financial sustainability of microfinance institutions Depth of outreach and financial sustainability of microfinance institutions. Applied Economics, 44, 3421–3433. https://doi.org/10.1080/00036846.2011.577016
Rai, A. K., & Rai, S. (2012). Factors Affecting Financial Sustainability of Microfinance Institutions. Journal of Economics and Sustainable Development, 3(6), 1–10.
Sheremenko, G., Escalante, C. L., & Florkowski, W. J. (2017). Financial Sustainability and Poverty Outreach: The Case of Microfinance Institutions in Eastern Europe and Central Asia. The European Journal of Development Research, 29(1), 230–245. https://doi.org/10.1057/s41287-016-0069-9
Tehulu, T. A. (2013). Determinants of Financial Sustainability of Microfinance Institutions in East Africa. European Journal of Business and Management, 5(17), 152–159.
Uchenna, O. L., Adedayo, E. O., Ahmed, A., & Isibor, A. (2017). Corporate governance and financial sustainability of Microfinance institutions in Nigeria. Proceedings of the 29th International Business Information Management Association Conference - Education Excellence and Innovation Management through Vision 2020: From Regional Development Sustainability to Global Economic Growth, 4035–4045.
UNCDF. (2002). Microfinance distance learning course. UNCDF. www.uncdf.org/mfdl/workbook/index.htm
Yitayaw, M. K. (2020). Effect of outreach on financial sustainability and profitability of saving and credit cooperatives in eastern ethiopia. Scientific Journal Warsaw University of Life Sciences, 20(2), 51–69.
Zerai, B., & Rani, L. (2011). Is There a Tradeoff between Outreach and Sustainability of Micro finance institutions? Evidence from Indian Microfinance Institutions (MFIs). Research Journal of Finance and Accounting, 2(11), 32–41.
Ayayi, A. G., & Sene, M. (2010). What drives microfinance institution’s financial sustainability. The Journal of Developing Areas, 303–324.
Bayai, I., & Ikhide, S. (2016). Life cycle theory and financial sustainability of selected SADC microfinance institutions (MFIs). The Journal of Developing Areas, 50(6), 121–132. https://doi.org/10.1353/jda.2016.0120
Bitok, S. K., Cheboi, J. Y., & Kemboi, A. (2020). Does Portfolio Quality Influence Financial Sustainability ? A Case of Microfinance Institutions in Kenya. Journal of Business, Economics and Environmental Studies, 10(1), 37–43. https://doi.org/10.13106/jbees.2020.vol10.no1.37
Bogan, V., Johnson, W., & Mhlanga, N. (2007). Does Capital Structure affect the financial sustainability of Microfinance Institutions. Retrieved On, 7(04), 2013.
Bogan, V. L. (2009). Microfinance Institutions: Does Capital Structure Matter? SSRN Electronic Journal, February. https://doi.org/10.2139/ssrn.1144762
Duguma, G. J., & Han, J. (2018). Effect of deposit mobilization on the financial sustainability of rural saving and credit cooperatives: Evidence from Ethiopia. Sustainability (Switzerland), 10(10). https://doi.org/10.3390/su10103387
Dunford, C. (2000). The holy grail of microfinance:‘helping the poor’and ‘sustainable’? Enterprise Development & Microfinance, 11(1), 40–44.
Gashayie, A., & Singh, M. (2015). Factors that Affect Financial Sustainability of Microfinance Institution : Literature Review. European Journal of Business and Management, 7(7), 223–229.
Henock, M. S. (2019). Financial sustainability and outreach performance of saving and credit cooperatives: The case of Eastern Ethiopia. Asia Pacific Management Review, 24(1), 1–9. https://doi.org/10.1016/j.apmrv.2018.08.001
Ibrahim, Y., Ahmed, I., & Minai, M. S. (2018). The Influence Of Institutional Characteristics On Financial Performance Of Microfinance Institutions In The OIC Cuntries. Economics & Sociology, 11(2), 19–36. https://doi.org/10.14254/2071-789X.2018/11-2/2
Kar, A. K., & Swain, R. B. (2013). Interest Rates and Financial Performance of Microfinance Institutions: Recent Global Evidence. The European Journal of Development Research, 26(1), 87–106. https://doi.org/10.1057/ejdr.2013.33
Kinde, B. A. (2012). Financial Sustainability of Microfinance Institutions ( MFIs ) in Ethiopia. European Journal of Business and Management, 4(15), 1–10. https://doi.org/10.17010//2015/v9i5/71443
Marwa, N., & Aziakpono, M. (2015). Financial sustainability of Tanzanian saving and credit cooperatives. International Journal of Social Economics, 42(10), 870–887. https://doi.org/10.1108/IJSE-06-2014-0127
Meyer, R. L. (2002). Track Record of Financial Institutions in Assisting the Poor in Asia.
Nadiya, M., Olivares-Polanco, F., & Ramanan, T. R. (2012). Dangers in Mismanaging the Factors Affecting the Operational Self-Sustainability (OSS) of Indian Microfinance Institutions (MFIs)—An Exploration into Indian Microfinance Crisis. Asian Economic and Social Society, 2(3), 448–462.
Nyamsogoro, G. D. (2010). Financial Sustainability of Rural Microfinance Institutions ( MFIs ) in Tanzania Ganka Daniel Nyamsogoro requirements of the University of Greenwich for the Degree of Doctor of Philosophy September 2010 (Issue September). University of Greenwich.
Paxton, J. (2002). Depth of outreach and its relation to the sustainability of microfinance institutions. Savings and Development, 69–86.
Quayes, S. (2012). Depth of outreach and financial sustainability of microfinance institutions Depth of outreach and financial sustainability of microfinance institutions. Applied Economics, 44, 3421–3433. https://doi.org/10.1080/00036846.2011.577016
Rai, A. K., & Rai, S. (2012). Factors Affecting Financial Sustainability of Microfinance Institutions. Journal of Economics and Sustainable Development, 3(6), 1–10.
Sheremenko, G., Escalante, C. L., & Florkowski, W. J. (2017). Financial Sustainability and Poverty Outreach: The Case of Microfinance Institutions in Eastern Europe and Central Asia. The European Journal of Development Research, 29(1), 230–245. https://doi.org/10.1057/s41287-016-0069-9
Tehulu, T. A. (2013). Determinants of Financial Sustainability of Microfinance Institutions in East Africa. European Journal of Business and Management, 5(17), 152–159.
Uchenna, O. L., Adedayo, E. O., Ahmed, A., & Isibor, A. (2017). Corporate governance and financial sustainability of Microfinance institutions in Nigeria. Proceedings of the 29th International Business Information Management Association Conference - Education Excellence and Innovation Management through Vision 2020: From Regional Development Sustainability to Global Economic Growth, 4035–4045.
UNCDF. (2002). Microfinance distance learning course. UNCDF. www.uncdf.org/mfdl/workbook/index.htm
Yitayaw, M. K. (2020). Effect of outreach on financial sustainability and profitability of saving and credit cooperatives in eastern ethiopia. Scientific Journal Warsaw University of Life Sciences, 20(2), 51–69.
Zerai, B., & Rani, L. (2011). Is There a Tradeoff between Outreach and Sustainability of Micro finance institutions? Evidence from Indian Microfinance Institutions (MFIs). Research Journal of Finance and Accounting, 2(11), 32–41.
Published
2024-04-01
How to Cite
SUWARSONO, Bambang; IDRIS, Ahmad.
Review literatur financial sustainability pada lembaga keuangan mikro lintas negara.
Jurnal Cendekia Keuangan, [S.l.], v. 3, n. 1, p. 8-19, apr. 2024.
ISSN 2810-0964.
Available at: <https://ejournal.uniska-kediri.ac.id/index.php/JCK/article/view/4389>. Date accessed: 22 jan. 2025.
doi: https://doi.org/10.32503/jck.v3i1.4389.
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