Finance for the poor: community banking as an approach to institution building: the example of the Nigerian community banks ; a theoretical and empirical analysis
Gespeichert in:
1. Verfasser: | |
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Format: | Buch |
Sprache: | English |
Veröffentlicht: |
Aachen
Shaker
2000
|
Schriftenreihe: | Berichte aus der Volkswirtschaft
|
Schlagworte: | |
Online-Zugang: | Inhaltsverzeichnis |
Beschreibung: | Zugl.: Köln, Univ., Diss., 2000. - Erscheint: 6. September 2000 |
Beschreibung: | 427 S. 21 cm |
ISBN: | 3826578066 |
Internformat
MARC
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Datensatz im Suchindex
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adam_text | Table of Contents
List of Tables vii
List of Abbreviations viii
1. Introduction 1
1.1 Objectives of the Study 2
1.2 Structure of the Study 2
1.3 Definition of Terms 4
1.4 Study Site: Nigeria 6
2. The Nigerian Financial Sector and the Poor 11
2.1 Financial Services for the Poor 11
2.1.1 Defining the Poor 11
2.1.2 Demanded Financial Services 14
2.2 Formal Finance: The Commercial Banking Sector 18
2.2.1 Laissez Faire Banking Era (1892 1952) 19
2.2.2 Regulated Banking Era (1953 1986) 20
2.2.3 Deregulated Banking Era (1986 1993) 25
2.2.4 Reregulated Banking Era (1994 up to date) 33
2.2.5 Inaccessibility of Commercial Banking: Explanations 39
2.2.5.1 Asymmetric Information 39
2.2.5.2 Financial Sector Regulations 45
2.2.5.3 Real Sector Regulations 49
2.2.5.4 Conclusion 50
2.3 Channel Institutions and Semi formal Finance 51
2.3.1 Development Banks 51
2.3.2 The People s Bank 53
2.3.3 Cooperatives 55
2.4 Informal Finance 57
3. Institution Building: Necessary Institutional Requirements 63
3.1 Profitability and Linkage 64
3.2 Appropriate Risk Management: Overcoming the Asymmetry of
Information between Lender and Borrower 65
3.2.1 Three Pure Lending Strategies 66
3.2.2 Regional Information as a Precondition for Lending 68
3.2.3 Risk Management Instruments 70
3.3 Appropriate Corporate Governance 77
3.3.1 Principal Agent Problem 77
3.3.2 Corporate Governance Mechanism 79
3.3.3 Organisational Forms 85
3.3.4 Principal Agent Problems within Organisational Forms 87
3.3.5 Motivation for Seeking the Business of the Microenterprise Sector 91
4. Community Banking as an Approach to Institution Building 95
4.1 The German Rural Credit Cooperatives in the 19th Century 95
4.1.1 Linkages and Profitability 97
4.1.2 Corporate Governance 99
4.1.2.1 Informal Control 100
4.1.2.2 Application of other Mechanisms 105
4.1.3 Risk Management 107
4.1.3.1 Informal Control 107
4.1.3.2 Applying Other Instruments Ill
4.2 The Design of the Nigerian Community Banks 117
4.2.1 Mabogunje s Concept 117
4.2.2 Laws and Guidelines 122
4.2.3 Organs of Community Banks 127
4.2.4 The Main Second Tier Institution: National Board for Community Banks 137
4.2.5 Meeting Institutional Requirements 145
4.2.6 Digression: Development Approach 152
ii
5. Nigerian Community Banks:
A Qualitative and Quantitative Research Approach 157
5.1 Preliminaries 157
5.1.1 Overall Performance of Communicity Banks 157
5.1.2 Course of Research 161
5.1.3 Research Methods 163
5.1.4 Research Sites: The Traditional Ruling System 167
5.1.5 Structure of the Case Studies 170
5.2 Four Case Studies in the Hausa/Fulani Area 175
5.2.1 Two Urban Banks 175
5.2.1.1 An Unprofitable Community Bank (HUUP) 176
5.2.1.2 A Profitable Community Bank (HUP) 187
5.2.2 Two Rural Banks 200
5.2.2.1 An Unprofitable Community Bank (HRUP) 200
5.2.2.2 A Profitable Community Bank (HRP) 214
5.3 Four Case Studies in the Yoruba Area 229
5.3.1 Two Urban Banks 229
5.3.1.1 An Unprofitable Community Bank (YUUP) 229
5.3.1.2 A Profitable Community Bank (YUP) 240
5.3.2 Two Rural Banks 255
5.3.2.1 An Unprofitable Community Bank (YRUP) 255
5.3.2.2 A Profitable Community Bank (YRP) 268
5.4 Four Case Studies in the Igbo Area 286
5.4.1 Two Urban Banks 286
5.4.1.1 An Unprofitable Community Bank (IUUP) 286
5.4.1.2 A Profitable Community Bank (IUP) 299
5.4.2 Two Rural Banks 313
5.4.2.1 An Unprofitable Community Bank (IRUP) 313
5.4.2.2 A Profitable Community Bank (IRP) 328
I 5.5 Factors Contributing to Full and Timely Credit Repayment:
The Credit Portfolios of Eleven Community Banks 341
5.5.1 Research Issues, Variables and Data Analysis Techniques 341
5.5.2 Results 345
/
iii
6. Nigerian Community Banks:
Strengths, Problem Areas and First Approaches for Solutions ... 355
6.1 Financial Services 355
6.2 Profitability and Linkage 356
6.3 Risk Management 362
6.4 Corporate Governance 371
7. Final Conclusions 381
Bibliography 383
Appendix:
Credit Analysis Sheet 407
SPSS Output (Model 1) 408
SPSS Output (Model 2) 411
SPSS Output (Model 3) 414
List of Tables
Table 1: Deposit Development in the Commercial Banking
Sector at Prices of 1985 27
Table 2: Lending by Commercial Banks to the Private Sector 28
Table 3: Risk Management Instruments 67
Table 4: Development of the German Credit Cooperatives by Numbers .. 90
Table 5: Membership Development of the German Credit Cooperatives . 90
Table 6: Maximal Extension of the Tenor of Urban Credit Cooperatives. 107
Table 7: Funding of the NBCB by the Federal Government 139
Table 8: Development of Community Banks between 1992 and 1995 ... 151
Table 9: Deposit Mobilisation by Community Banks from 1992 to 1995 . 152
Table 10: Disbursed Credit by Community Banks from 1992 to 1995 .... 152
Table 11: Relation of Shareholders Fund to Paid Up Capital
of Community Banks in 1994 and 1995 153
Table 12: Profitability Ratio (Overheads/Gross Earning) of Community
Banks in 1994 and 1995 154
Table 13: Course of the Research 156
Table 14: Content of Case Studies 163
Table 15: Influential Factors on Credit Repayment
Variables in the Equation 332
Tables displayed in the Case Studies are not listed here
|
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spelling | Michell-Auli, Peter Verfasser (DE-588)122262719 aut Finance for the poor: community banking as an approach to institution building the example of the Nigerian community banks ; a theoretical and empirical analysis Peter Michell-Auli Aachen Shaker 2000 427 S. 21 cm txt rdacontent n rdamedia nc rdacarrier Berichte aus der Volkswirtschaft Zugl.: Köln, Univ., Diss., 2000. - Erscheint: 6. September 2000 Kreditgenossenschaft (DE-588)4032934-3 gnd rswk-swf Transaktionskostenansatz (DE-588)4206592-6 gnd rswk-swf Markteffizienz (DE-588)4125819-8 gnd rswk-swf Ländliche Entwicklung (DE-588)4034450-2 gnd rswk-swf Regionalprinzip (DE-588)4238466-7 gnd rswk-swf Selbsthilfeförderung (DE-588)4198112-1 gnd rswk-swf Kreditmarkt (DE-588)4073788-3 gnd rswk-swf Nigeria (DE-588)4042300-1 gnd rswk-swf (DE-588)4113937-9 Hochschulschrift gnd-content Nigeria (DE-588)4042300-1 g Ländliche Entwicklung (DE-588)4034450-2 s Kreditmarkt (DE-588)4073788-3 s Markteffizienz (DE-588)4125819-8 s Kreditgenossenschaft (DE-588)4032934-3 s Transaktionskostenansatz (DE-588)4206592-6 s DE-604 Selbsthilfeförderung (DE-588)4198112-1 s Regionalprinzip (DE-588)4238466-7 s HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=009079965&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
spellingShingle | Michell-Auli, Peter Finance for the poor: community banking as an approach to institution building the example of the Nigerian community banks ; a theoretical and empirical analysis Kreditgenossenschaft (DE-588)4032934-3 gnd Transaktionskostenansatz (DE-588)4206592-6 gnd Markteffizienz (DE-588)4125819-8 gnd Ländliche Entwicklung (DE-588)4034450-2 gnd Regionalprinzip (DE-588)4238466-7 gnd Selbsthilfeförderung (DE-588)4198112-1 gnd Kreditmarkt (DE-588)4073788-3 gnd |
subject_GND | (DE-588)4032934-3 (DE-588)4206592-6 (DE-588)4125819-8 (DE-588)4034450-2 (DE-588)4238466-7 (DE-588)4198112-1 (DE-588)4073788-3 (DE-588)4042300-1 (DE-588)4113937-9 |
title | Finance for the poor: community banking as an approach to institution building the example of the Nigerian community banks ; a theoretical and empirical analysis |
title_auth | Finance for the poor: community banking as an approach to institution building the example of the Nigerian community banks ; a theoretical and empirical analysis |
title_exact_search | Finance for the poor: community banking as an approach to institution building the example of the Nigerian community banks ; a theoretical and empirical analysis |
title_full | Finance for the poor: community banking as an approach to institution building the example of the Nigerian community banks ; a theoretical and empirical analysis Peter Michell-Auli |
title_fullStr | Finance for the poor: community banking as an approach to institution building the example of the Nigerian community banks ; a theoretical and empirical analysis Peter Michell-Auli |
title_full_unstemmed | Finance for the poor: community banking as an approach to institution building the example of the Nigerian community banks ; a theoretical and empirical analysis Peter Michell-Auli |
title_short | Finance for the poor: community banking as an approach to institution building |
title_sort | finance for the poor community banking as an approach to institution building the example of the nigerian community banks a theoretical and empirical analysis |
title_sub | the example of the Nigerian community banks ; a theoretical and empirical analysis |
topic | Kreditgenossenschaft (DE-588)4032934-3 gnd Transaktionskostenansatz (DE-588)4206592-6 gnd Markteffizienz (DE-588)4125819-8 gnd Ländliche Entwicklung (DE-588)4034450-2 gnd Regionalprinzip (DE-588)4238466-7 gnd Selbsthilfeförderung (DE-588)4198112-1 gnd Kreditmarkt (DE-588)4073788-3 gnd |
topic_facet | Kreditgenossenschaft Transaktionskostenansatz Markteffizienz Ländliche Entwicklung Regionalprinzip Selbsthilfeförderung Kreditmarkt Nigeria Hochschulschrift |
url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=009079965&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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