Financial and social efficiency of microcredit programs of partner organizations of Pakistan Poverty Alleviation Fund
This paper examines the financial and social efficiency of the microcredit programs offered by the Pakistan Poverty Alleviation Fund partner organizations. Panel data concerning variables of interest are collected from Pakistan Microfinance Network, covering a minimum of 14 partner organizations (in...
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| Veröffentlicht in: | PloS one 2023-03, Vol.18 (3), p.e0280731-e0280731 |
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| creator | Ali, Zulfiqar Asif, Muhammad Nazir, Naila Rehman Irshad, Ateeq Ur Ullah, Ikram Ahmad, Shabir |
| description | This paper examines the financial and social efficiency of the microcredit programs offered by the Pakistan Poverty Alleviation Fund partner organizations. Panel data concerning variables of interest are collected from Pakistan Microfinance Network, covering a minimum of 14 partner organizations (in 2005) to a maximum of 35 partner organizations (in 2014). The data is analyzed using the Data Envelopment Analysis, assuming both constant and variable returns to scale scenarios and the operational scale of the partner organizations. Trends in average efficiency scores have been analyzed to assess the mission drift of the partner organizations. Results reveal that managerial inefficiency is more pronounced than the sub-optimal production scale in all three scenarios under consideration. Moreover, trends in the efficiency scores indicated a slight mission drift of the microfinance providers. About 77.5% of the partner organizations were financially sustainable over the entire study period. The study recommends providing objective-oriented training, workshops, and seminars for managing microfinance providers. |
| doi_str_mv | 10.1371/journal.pone.0280731 |
| format | Article |
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Panel data concerning variables of interest are collected from Pakistan Microfinance Network, covering a minimum of 14 partner organizations (in 2005) to a maximum of 35 partner organizations (in 2014). The data is analyzed using the Data Envelopment Analysis, assuming both constant and variable returns to scale scenarios and the operational scale of the partner organizations. Trends in average efficiency scores have been analyzed to assess the mission drift of the partner organizations. Results reveal that managerial inefficiency is more pronounced than the sub-optimal production scale in all three scenarios under consideration. Moreover, trends in the efficiency scores indicated a slight mission drift of the microfinance providers. About 77.5% of the partner organizations were financially sustainable over the entire study period. The study recommends providing objective-oriented training, workshops, and seminars for managing microfinance providers.</description><identifier>ISSN: 1932-6203</identifier><identifier>EISSN: 1932-6203</identifier><identifier>DOI: 10.1371/journal.pone.0280731</identifier><identifier>PMID: 36961854</identifier><language>eng</language><publisher>United States: Public Library of Science</publisher><subject>Annual reports ; Biology and Life Sciences ; Data analysis ; Data envelopment analysis ; Ecology and Environmental Sciences ; Economic conditions ; Efficiency ; Financial institutions ; Financial Management ; Influence ; Management ; Microfinance ; Organizations ; Pakistan ; People and Places ; Performance evaluation ; Poverty ; Poverty - prevention & control ; Social Sciences ; Trends ; Variables</subject><ispartof>PloS one, 2023-03, Vol.18 (3), p.e0280731-e0280731</ispartof><rights>Copyright: © 2023 Ali et al. This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.</rights><rights>COPYRIGHT 2023 Public Library of Science</rights><rights>2023 Ali et al. This is an open access article distributed under the terms of the Creative Commons Attribution License: http://creativecommons.org/licenses/by/4.0/ (the “License”), which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited. Notwithstanding the ProQuest Terms and Conditions, you may use this content in accordance with the terms of the License.</rights><rights>2023 Ali et al 2023 Ali et al</rights><rights>2023 Ali et al. This is an open access article distributed under the terms of the Creative Commons Attribution License: http://creativecommons.org/licenses/by/4.0/ (the “License”), which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited. Notwithstanding the ProQuest Terms and Conditions, you may use this content in accordance with the terms of the License.</rights><lds50>peer_reviewed</lds50><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed><citedby>FETCH-LOGICAL-c693t-ccbc61de90881d44b9407bbd8982d7bebe846330eb4548fec577c14213764eb33</citedby><cites>FETCH-LOGICAL-c693t-ccbc61de90881d44b9407bbd8982d7bebe846330eb4548fec577c14213764eb33</cites><orcidid>0000-0002-6458-5154</orcidid></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktopdf>$$Uhttps://www.ncbi.nlm.nih.gov/pmc/articles/PMC10038267/pdf/$$EPDF$$P50$$Gpubmedcentral$$Hfree_for_read</linktopdf><linktohtml>$$Uhttps://www.ncbi.nlm.nih.gov/pmc/articles/PMC10038267/$$EHTML$$P50$$Gpubmedcentral$$Hfree_for_read</linktohtml><link.rule.ids>230,314,723,776,780,860,881,2096,2915,23845,27901,27902,53766,53768,79342,79343</link.rule.ids><backlink>$$Uhttps://www.ncbi.nlm.nih.gov/pubmed/36961854$$D View this record in MEDLINE/PubMed$$Hfree_for_read</backlink></links><search><creatorcontrib>Ali, Zulfiqar</creatorcontrib><creatorcontrib>Asif, Muhammad</creatorcontrib><creatorcontrib>Nazir, Naila</creatorcontrib><creatorcontrib>Rehman Irshad, Ateeq Ur</creatorcontrib><creatorcontrib>Ullah, Ikram</creatorcontrib><creatorcontrib>Ahmad, Shabir</creatorcontrib><title>Financial and social efficiency of microcredit programs of partner organizations of Pakistan Poverty Alleviation Fund</title><title>PloS one</title><addtitle>PLoS One</addtitle><description>This paper examines the financial and social efficiency of the microcredit programs offered by the Pakistan Poverty Alleviation Fund partner organizations. 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The study recommends providing objective-oriented training, workshops, and seminars for managing microfinance providers.</description><subject>Annual reports</subject><subject>Biology and Life Sciences</subject><subject>Data analysis</subject><subject>Data envelopment analysis</subject><subject>Ecology and Environmental Sciences</subject><subject>Economic conditions</subject><subject>Efficiency</subject><subject>Financial institutions</subject><subject>Financial Management</subject><subject>Influence</subject><subject>Management</subject><subject>Microfinance</subject><subject>Organizations</subject><subject>Pakistan</subject><subject>People and Places</subject><subject>Performance evaluation</subject><subject>Poverty</subject><subject>Poverty - prevention & control</subject><subject>Social Sciences</subject><subject>Trends</subject><subject>Variables</subject><issn>1932-6203</issn><issn>1932-6203</issn><fulltext>true</fulltext><rsrctype>article</rsrctype><creationdate>2023</creationdate><recordtype>article</recordtype><sourceid>EIF</sourceid><sourceid>BENPR</sourceid><sourceid>DOA</sourceid><recordid>eNqNk99v0zAQxyMEYmPwHyCIhITgocWOHTt-QtVEodKkTfx6tRzn0rqkdmcnFeWvx0mzqUV7QH6wdf7c93znuyR5idEUE44_rF3nrWqmW2dhirICcYIfJedYkGzCMkQeH53PkmchrBHKScHY0-SMMMFwkdPzpJsbq6w2qkmVrdLghiPUtdEGrN6nrk43RnunPVSmTbfeLb3ahN6-Vb614FPnl8qaP6o1zg4XN-qXCa2y6Y3bgW_36axpYGcGIJ13tnqePKlVE-DFuF8kP-afvl9-mVxdf15czq4mmgnSTrQuNcMVCFQUuKK0FBTxsqwKUWQVL6GEgjJCEJQ0p0UNOudcY5rF-jAKJSEXyeuD7rZxQY4VCzLjAhGUI9QTiwNRObWWW282yu-lU0YOhpiajFka3YDkVQ6kVCQTOaY6U6qshEAcc82VYHURtT6O0bpyA5UG23rVnIie3lizkku3kzi-pMgYjwrvRgXvbjsIrdyYoKFplAXXDQ-PueWc9sHe_IM-nN5ILVXMwNjaxcC6F5UzTrOCC5ZnkZo-QMVVQfz72F-1ifYTh_cnDpFp4Xe7VF0IcvHt6_-z1z9P2bdH7ApU066Ca7qhs05BegBjZ4bgob6vMkayH4-7ash-POQ4HtHt1fEP3TvdzQP5C9nwC9o</recordid><startdate>20230324</startdate><enddate>20230324</enddate><creator>Ali, Zulfiqar</creator><creator>Asif, Muhammad</creator><creator>Nazir, Naila</creator><creator>Rehman Irshad, Ateeq Ur</creator><creator>Ullah, Ikram</creator><creator>Ahmad, Shabir</creator><general>Public Library of Science</general><general>Public Library of Science (PLoS)</general><scope>CGR</scope><scope>CUY</scope><scope>CVF</scope><scope>ECM</scope><scope>EIF</scope><scope>NPM</scope><scope>AAYXX</scope><scope>CITATION</scope><scope>IOV</scope><scope>ISR</scope><scope>3V.</scope><scope>7QG</scope><scope>7QL</scope><scope>7QO</scope><scope>7RV</scope><scope>7SN</scope><scope>7SS</scope><scope>7T5</scope><scope>7TG</scope><scope>7TM</scope><scope>7U9</scope><scope>7X2</scope><scope>7X7</scope><scope>7XB</scope><scope>88E</scope><scope>8AO</scope><scope>8C1</scope><scope>8FD</scope><scope>8FE</scope><scope>8FG</scope><scope>8FH</scope><scope>8FI</scope><scope>8FJ</scope><scope>8FK</scope><scope>ABJCF</scope><scope>ABUWG</scope><scope>AEUYN</scope><scope>AFKRA</scope><scope>ARAPS</scope><scope>ATCPS</scope><scope>AZQEC</scope><scope>BBNVY</scope><scope>BENPR</scope><scope>BGLVJ</scope><scope>BHPHI</scope><scope>C1K</scope><scope>CCPQU</scope><scope>D1I</scope><scope>DWQXO</scope><scope>FR3</scope><scope>FYUFA</scope><scope>GHDGH</scope><scope>GNUQQ</scope><scope>H94</scope><scope>HCIFZ</scope><scope>K9.</scope><scope>KB.</scope><scope>KB0</scope><scope>KL.</scope><scope>L6V</scope><scope>LK8</scope><scope>M0K</scope><scope>M0S</scope><scope>M1P</scope><scope>M7N</scope><scope>M7P</scope><scope>M7S</scope><scope>NAPCQ</scope><scope>P5Z</scope><scope>P62</scope><scope>P64</scope><scope>PATMY</scope><scope>PDBOC</scope><scope>PIMPY</scope><scope>PQEST</scope><scope>PQQKQ</scope><scope>PQUKI</scope><scope>PRINS</scope><scope>PTHSS</scope><scope>PYCSY</scope><scope>RC3</scope><scope>7X8</scope><scope>5PM</scope><scope>DOA</scope><orcidid>https://orcid.org/0000-0002-6458-5154</orcidid></search><sort><creationdate>20230324</creationdate><title>Financial and social efficiency of microcredit programs of partner organizations of Pakistan Poverty Alleviation Fund</title><author>Ali, Zulfiqar ; Asif, Muhammad ; Nazir, Naila ; Rehman Irshad, Ateeq Ur ; Ullah, Ikram ; Ahmad, Shabir</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c693t-ccbc61de90881d44b9407bbd8982d7bebe846330eb4548fec577c14213764eb33</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>2023</creationdate><topic>Annual reports</topic><topic>Biology and Life Sciences</topic><topic>Data analysis</topic><topic>Data envelopment analysis</topic><topic>Ecology and Environmental Sciences</topic><topic>Economic conditions</topic><topic>Efficiency</topic><topic>Financial institutions</topic><topic>Financial Management</topic><topic>Influence</topic><topic>Management</topic><topic>Microfinance</topic><topic>Organizations</topic><topic>Pakistan</topic><topic>People and Places</topic><topic>Performance evaluation</topic><topic>Poverty</topic><topic>Poverty - 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Academic</collection><collection>PubMed Central (Full Participant titles)</collection><collection>DOAJ Directory of Open Access Journals</collection><jtitle>PloS one</jtitle></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>Ali, Zulfiqar</au><au>Asif, Muhammad</au><au>Nazir, Naila</au><au>Rehman Irshad, Ateeq Ur</au><au>Ullah, Ikram</au><au>Ahmad, Shabir</au><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>Financial and social efficiency of microcredit programs of partner organizations of Pakistan Poverty Alleviation Fund</atitle><jtitle>PloS one</jtitle><addtitle>PLoS One</addtitle><date>2023-03-24</date><risdate>2023</risdate><volume>18</volume><issue>3</issue><spage>e0280731</spage><epage>e0280731</epage><pages>e0280731-e0280731</pages><issn>1932-6203</issn><eissn>1932-6203</eissn><abstract>This paper examines the financial and social efficiency of the microcredit programs offered by the Pakistan Poverty Alleviation Fund partner organizations. Panel data concerning variables of interest are collected from Pakistan Microfinance Network, covering a minimum of 14 partner organizations (in 2005) to a maximum of 35 partner organizations (in 2014). The data is analyzed using the Data Envelopment Analysis, assuming both constant and variable returns to scale scenarios and the operational scale of the partner organizations. Trends in average efficiency scores have been analyzed to assess the mission drift of the partner organizations. Results reveal that managerial inefficiency is more pronounced than the sub-optimal production scale in all three scenarios under consideration. Moreover, trends in the efficiency scores indicated a slight mission drift of the microfinance providers. About 77.5% of the partner organizations were financially sustainable over the entire study period. The study recommends providing objective-oriented training, workshops, and seminars for managing microfinance providers.</abstract><cop>United States</cop><pub>Public Library of Science</pub><pmid>36961854</pmid><doi>10.1371/journal.pone.0280731</doi><tpages>e0280731</tpages><orcidid>https://orcid.org/0000-0002-6458-5154</orcidid><oa>free_for_read</oa></addata></record> |
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| subjects | Annual reports Biology and Life Sciences Data analysis Data envelopment analysis Ecology and Environmental Sciences Economic conditions Efficiency Financial institutions Financial Management Influence Management Microfinance Organizations Pakistan People and Places Performance evaluation Poverty Poverty - prevention & control Social Sciences Trends Variables |
| title | Financial and social efficiency of microcredit programs of partner organizations of Pakistan Poverty Alleviation Fund |
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