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Co-production in BDS: The evidence from the Sri Lankan Microfinance Sector

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dc.contributor.author Abeysekera, Ruwan
dc.date.accessioned 2024-04-19T06:53:11Z
dc.date.available 2024-04-19T06:53:11Z
dc.date.issued 2020
dc.identifier.citation Abeysekera, R. (2020). Co-production in BDS: The evidence from the Sri Lankan Microfinance Sector. Financial Markets, Institutions and Risks, 4(3), 63-71. http://doi.org/ 10.21272/fmir.4(3).63-71.2020. en_US
dc.identifier.uri http://repository.kln.ac.lk/handle/123456789/27888
dc.description.abstract Microfinance Institutions (MFIs), in addition to the provision of microcredit, also provide business development services (BDS) to owner managers in order to develop micro enterprises. BDS are non-financial services such as business training and access to information that help owner managers of microenterprises to develop businesses. In this respect, counsellors and trainers in MFIs co-produce BDS with owner managers. Co-production is the joint efforts of two parties, who together determine the output of their collaboration. The objective of this study therefore is to examine how co-production works in a BDS setting. A multiple case study method was used to carry out the study. Six MFIs were selected as cases and in-depth interviews were held with counsellors, trainers and managers to collect the data. The findings reveal that the expertise of counsellors, trainers and owner managers are the inputs for co-production. The outputs of co-production are twofold: MFI specific outputs and owner manager specific outputs. While MFI specific outputs are identified in better loan repayments rates, enhanced client satisfaction, and increased client retention, the owner manager specific outputs are denoted by better business knowledge, better sales, and profits. MFIs use counselling and training as modalities to co-produce BDS. There are a number of factors that affect the variability in coproduction including the readiness of counsellors and trainers, with a number of BDS provided under each modality. Therein, the findings of this study are beneficial to microfinance practitioners and policy makers. Furthermore, the findings also contribute to the knowledge domain of microfinance. en_US
dc.subject business development services (BDS), co-production, microfinance, case study method en_US
dc.title Co-production in BDS: The evidence from the Sri Lankan Microfinance Sector en_US


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