Deposits and financial sustainability of deposit-taking microfinance institutions: evidence from low income Sub-Saharan Africa

dc.contributor.authorMoyo, Z.
dc.contributor.authorMukorera, S.
dc.contributor.authorNyatanga, P.
dc.date.accessioned2025-07-09T09:41:29Z
dc.date.available2025-07-09T09:41:29Z
dc.date.issued2024
dc.description.abstractThis study examined the relationship between deposits and financial sustainability of Deposit-taking Microfinance Institutions (DTMFIs) due to a number of such institutions having collapsed previously in Africa. Panel data spanning 2006 to 2017 from the Microfinance Information Exchange of 64 DTMFIs sampled across 18 Low Income Sub-Saharan Africa (LISSA) countries was utilised. Through probit regression, the study found that the likelihood of attaining financial sustainability by the LISSA DTMFIs is negatively affected by small scale deposits, unfavourable loan loss provisions, deteriorating loan portfolio quality and costly branch coverage. The study recommends low cost, large scale deposit operations, efficiency in managing operating expenses, credit enhancements and restrictive deposit-taking licencing.
dc.identifier.citationMoyo, Z., Mukorera, S. and Nyatanga, P. (2024) ‘Deposits and financial sustainability of deposit-taking microfinance institutions: evidence from low income Sub-Saharan Africa’, Afro-Asian J. Finance and Accounting, Vol. 14, No. 2, pp.229–245.
dc.identifier.urihttp://196.220.97.103:4000/handle/123456789/948
dc.language.isoen
dc.publisherAfro-Asian Journal of Finance and Accounting
dc.titleDeposits and financial sustainability of deposit-taking microfinance institutions: evidence from low income Sub-Saharan Africa
dc.typeArticle
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