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The Determinants of Microfinance Profitability: Evidences from Sri Lankan Microfinance Institutions

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dc.contributor.author Dissanayake, D.M.N.S.W.
dc.date.accessioned 2016-06-16T04:21:13Z
dc.date.available 2016-06-16T04:21:13Z
dc.date.issued 2012
dc.identifier.citation Dissanayake, D.M.N.S.W. (2012). The Determinants of Microfinance Profitability: Evidences from Sri Lankan Microfinance Institutions, Kelaniya Journal of Management, University of Kelaniya, 01(01): 50-67. en_US
dc.identifier.uri http://repository.kln.ac.lk/handle/123456789/13527
dc.description.abstract This study was undertaken with the objective of asserting the significant determinants of microfinance profitability in Sri Lankan microfinance institutions. This study is based on eleven microfinance institutions in Sri Lanka, within the period of 2005- 2010, which are practicing microfinance at present. In this study, profitability is measured by profitability and sustainability ratios. Determinants of microfinance profitability are measured by efficiency and productivity, financing structure and portfolio quality ratios. Profitability is measured by return on equity ratio, return on assets ratio, and profit margin ratio. Sustainability is measured by operational self sufficiency ratio. Efficiency and productivity are measured by operating expense ratio, personal productivity ratio and cost per borrower ratio. Financing structure is measured by debt/equity ratio. Portfolio quality is measured by writeoff ratio. Finally, the researcher intends to postulate that, the cost per borrower is a determinant for return on equity and operational self sufficiency. Besides, the operating expense ratio and write off ratios are determinants of return on equity, return on assets and profit margin. Observations of the debt/equity variable of the study imply causality for the return on assets and operational self sufficiency as a determinant of respective models. en_US
dc.language.iso en en_US
dc.publisher University of Kelaniya en_US
dc.subject Efficiency en_US
dc.subject Microfinance en_US
dc.subject Productivity en_US
dc.subject Profitability en_US
dc.subject Sustainability en_US
dc.subject Introduction en_US
dc.title The Determinants of Microfinance Profitability: Evidences from Sri Lankan Microfinance Institutions en_US
dc.type Article en_US


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