{"id":649,"date":"2013-03-13T15:35:07","date_gmt":"2013-03-13T15:35:07","guid":{"rendered":"https:\/\/euricse.staging.hgblu.com\/?post_type=publications&p=649"},"modified":"2024-03-19T16:14:54","modified_gmt":"2024-03-19T16:14:54","slug":"wp-5613-financial-sustainability-and-outreach-of-microfinance-institutions-in-ethiopia-does-organizational-form-matter","status":"publish","type":"publications","link":"https:\/\/euricse.eu\/it\/publications\/wp-5613-financial-sustainability-and-outreach-of-microfinance-institutions-in-ethiopia-does-organizational-form-matter\/","title":{"rendered":"WP 56 | 13 Sostenibilit\u00e0 finanziaria e diffusione delle istituzioni di microfinanza in Etiopia: la forma organizzativa conta?"},"content":{"rendered":"

Nei luoghi in cui i mercati del credito sono inefficienti, il raggiungimento della sostenibilit\u00e0 finanziaria al servizio dei poveri dipende in larga misura dalla capacit\u00e0 dei prestatori di superare i costi dei contratti e dei vincoli di mercato. Tale capacit\u00e0 di contenimento dei costi spesso varia a seconda delle condizioni di prestito e delle forme organizzative. Utilizzando dati disaggregati sui prestatori di microfinanza in Etiopia, abbiamo confrontato le cooperative finanziarie e le istituzioni di microfinanza specializzate o non bancarie in base alla loro portata, alla performance finanziaria e alla capacit\u00e0 di raggiungere l’autosufficienza finanziaria e di rivolgersi ai poveri. I risultati mostrano che i fornitori di microfinanza non bancari ottengono risultati relativamente buoni in termini di ampiezza e profondit\u00e0 della copertura, ma devono sostenere costi pi\u00f9 elevati, il che crea una tensione tra copertura e sostenibilit\u00e0 finanziaria. Al contrario, per le cooperative finanziarie esiste una complementarit\u00e0 positiva tra la diffusione e la sostenibilit\u00e0 finanziaria.<\/p>\n","protected":false},"excerpt":{"rendered":"

Utilizzando dati disaggregati sui prestatori di microfinanza in Etiopia, il presente contributo confronta le cooperative finanziarie e le istituzioni di microfinanza specializzate o non bancarie in base alla loro portata, alla performance finanziaria e alla capacit\u00e0 di raggiungere l’autosufficienza finanziaria e di rivolgersi ai poveri.<\/p>\n","protected":false},"author":32,"featured_media":911,"parent":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"episode_type":"","audio_file":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","date_recorded":"","explicit":"","block":"","itunes_episode_number":"","itunes_title":"","itunes_season_number":"","itunes_episode_type":"","filesize_raw":"","footnotes":""},"tags":[109,113,120,138],"class_list":["post-649","publications","type-publications","status-publish","has-post-thumbnail","hentry","tag-cooperative","tag-sostenibilita","tag-strumenti-finanziari","tag-credito","publications-cat-working-paper","publications-area-teoria-economica"],"acf":[],"yoast_head":"\nWP 56 | 13 Sostenibilit\u00e0 finanziaria e diffusione delle istituzioni di microfinanza in Etiopia: la forma organizzativa conta? 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