Universität zu Köln

Uwamariya, Marthe, Loebbecke, Claudia and Cremer, Stefan (2020). Mobile Banking Impacting the Performance of Microfinance Institutions: A Case Study from Rwanda. Int. J. Innov. Technol. Manag., 17 (1). SINGAPORE: WORLD SCIENTIFIC PUBL CO PTE LTD. ISSN 1793-6950

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Abstract

Globally, high costs and loan defaults are the biggest threats to microfinance profitability and sustainability. This explorative study investigates how and to what extent mobile banking can foster the performance of microfinance institutions (MFIs). It expands the traditional dimensions of Transaction Cost Economics (TCE) by adding a loan default aspect. The study offers an explorative case study on Urwego Opportunity Bank (UOB) - Rwanda's first commercial mobile service. Based on qualitative data collected through semi-structured interviews from the bank's staff and its customers, the case shows how mobile banking allows for reducing transaction costs and loan defaults and thereby increases eficiency of MFIs. Further, it identifies high agent visibility, and sufficient savings to drive the usage of mobile banking - which, in turn, promotes the deployment of financial services to still unbanked parts of the population in emerging economies.

Item Type:	Journal Article
Creators:	Creators Email ORCID ORCID Put Code Uwamariya, Marthe UNSPECIFIED UNSPECIFIED UNSPECIFIED Loebbecke, Claudia UNSPECIFIED UNSPECIFIED UNSPECIFIED Cremer, Stefan UNSPECIFIED UNSPECIFIED UNSPECIFIED
URN:	urn:nbn:de:hbz:38-346172
DOI:	10.1142/S0219877020500017
Journal or Publication Title:	Int. J. Innov. Technol. Manag.
Volume:	17
Number:	1
Date:	2020
Publisher:	WORLD SCIENTIFIC PUBL CO PTE LTD
Place of Publication:	SINGAPORE
ISSN:	1793-6950
Language:	English
Faculty:	Unspecified
Divisions:	Unspecified
Subjects:	no entry
Uncontrolled Keywords:	Keywords Language TRANSACTION COST; MICROCREDIT; FRAMEWORK; AGENCY; SIZE Multiple languages Management Multiple languages
URI:	http://kups.ub.uni-koeln.de/id/eprint/34617