Focus on Women in Microfinance Institutions
基于全球数据，研究发现聚焦女性客户的小额信贷机构更常采用小组贷款、提供更小额度贷款且为非商业性质，这提高了还款率但未提升整体财务绩效，因为成本更高。
Abstract We provide empirical evidence on focusing on women in microfinance and its consequences for microfinance institutions (MFIs). Based on a global dataset, the results indicate that a focus on women is associated with group-lending methods, international orientation, smaller loans, and non-commercial legal status. We find that a focus on women significantly improves repayment but does not enhance overall financial performance because of higher relative costs. Moreover, the higher relative costs do not stem from servicing women per se but from the smaller loans offered to women and the group-lending methodology practised by MFIs focusing on women.