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Item Factors affecting on Lending Decisions of Microfinance Operation in Non-Banking Financial Institutions (NBFIs) in Sri Lanka(Faculty of Commerce and Management Studies, University of Kelaniya, Sri Lanka, 2016) Samarawickrama, S.; Thrikawala, S.This study investigates the factors that affect the lending decisions of microfinance operation in the Non-Banking Financial Institutions (NBFIs) in Sri Lanka. Microfinance sector of the country can be identified as an important sub-sector of the financial system. NBFIs operating in the micro-finance sector in Sri Lanka provide loan facilities for people who cannot obtain those facilities from formal banking system in Sri Lanka. Based on the people’s needs and expectations microfinance sector can be developed as a lucrative business while maintaining an effective financial and economic stability in the country. Many studies have showed that the lending organizations have been encountered with severe difficulties when recovering microfinance loans and facilities provided for the individuals and small groups. Therefore, studying such factors are highly important since they are directly related with the effective credit management by NBFIs. In the current study primary data will be collected from the credit managers of five NBFIs. Secondary data also collected from the sources like Central Bank Annual Reports and Company publications. The quantitative and qualitative techniques will be deployed when analyzing and interpreting data. SPSS statistical software has been deployed to analyze and interpret data that produce generalizations for the population. This research provides insight for the NBFIs and policy-makers in the financial system of Sri Lanka regarding factors that impact the lending decisions of microfinance operations in Sri Lanka.Item Effectiveness of microfinance for poverty reduction in Sri Lanka(Department of Accountancy, University of Kelaniya, 2015) Weerasinghe, H.D.S.S.Microfinance, one of the widely accepted instruments for poverty alleviation throughout the world, has been used in Sri Lanka spanning for over several decades. Despite the long history and the large number of institutions microfinance services particularly to the poor, there is limited knowledge on the impact of micro finance on poverty reduction in Sri Lanka. This study intended to assess the impact of microfinance on poverty alleviation in Sri Lanka through Monaragala and Badulla districts and identify the influence of macroeconomic condition on the net impact of microfinance. Using above districts as the study area, this paper provides valuable insights into micro financing in a developing economy context. Microfinance services in Sri Lanka have a wide geographical outreach but the extent of outreach of private operators including Non-Government Organizations and commercial banks are rather limited. So from this paper analyze whether the most rural areas in Sri Lanka can be developed through microfinance. Information of microfinance institutions, Monaragala and Badulla regional officers, householders used to analyze the real impact on microfinance for poorest people in Sri Lanka. Descriptive statistics and one sample t-statistics revels that microcredit facilities help these beneficiaries to move for higher income ladders and though the nominal income of the beneficiaries has increased macroeconomic condition prevailed in Sri Lanka hampered the real benefit.