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An impact assessment of the regulation of microfinance institutions in Namibia
Thesis (PhD)--Stellenbosch University, 2016.
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| Format: | Thesis |
| Language: | en_ZA |
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Stellenbosch : Stellenbosch University
2016
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| _version_ | 1867613763566305280 |
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| access_status_str | Open Access |
| author | Haiyambo, Emma |
| author2 | Ikhide, Sylvanus |
| author_browse | Haiyambo, Emma Ikhide, Sylvanus |
| author_facet | Ikhide, Sylvanus Haiyambo, Emma |
| author_sort | Haiyambo, Emma |
| collection | Thesis |
| dc_rights_str_mv | Stellenbosch University |
| description | Thesis (PhD)--Stellenbosch University, 2016. |
| format | Thesis |
| id | oai:scholar.sun.ac.za:10019.1/100206 |
| institution | Stellenbosch University (South Africa) |
| language | en_ZA |
| last_indexed | 2026-06-10T12:41:19.170Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from SUNScholar — Stellenbosch University Repository |
| publishDate | 2016 |
| publishDateRange | 2016 |
| publishDateSort | 2016 |
| publisher | Stellenbosch : Stellenbosch University |
| publisherStr | Stellenbosch : Stellenbosch University |
| record_format | dspace |
| source_str | SUNScholar — Stellenbosch University Repository |
| spelling | oai:scholar.sun.ac.za:10019.1/100206 An impact assessment of the regulation of microfinance institutions in Namibia Haiyambo, Emma Ikhide, Sylvanus Stellenbosch University. Faculty of Economic and Management Sciences. University of Stellenbosch Business School. Microfinance -- Developing countries Economic impact analysis Namibia UCTD Thesis (PhD)--Stellenbosch University, 2016. ENGLISH SUMMARY : This study aimed at contributing to the current debate on the regulation of microfinance institutions (MFIs), through providing important inputs for evidence-based policy dialogue and decision making, particularly on the issue relating to whether MFIs should be regulated and supervised and how they should be regulated. Using the case of Namibia, it entailed a critical evaluation of the potential impact of regulation on MFIs and hence on the microfinance sector. Through an application of the Rationale-Objectives-Indicator (ROI) methodology, an analysis of a regulatory impact assessment (RIA) was performed at two levels, namely an ex-post level using a case study of a deposit-taking MFI that has been regulated under conventional banking law and an ex-ante level of the likely impact of the proposed microfinance regulatory framework. It was found that regulation has generally had a positive impact on the operations of the regulated MFI, as reflected in improvements in most of its performance indicators (profitability, portfolio quality, liquidity and access to finance, given substantial increases in the number of savers and borrowers) during the post-licensing period. The ex-ante RIA of the proposed new microfinance regulatory framework also pointed towards a greater probability of the envisaged regulatory framework achieving its intended regulatory objectives. This will however depend on the degree to which regulatory requirements are going to be enforced and the prevailing macro-economic conditions in the country. As such, it was concluded that, while necessary, regulation alone may not be sufficient to attract relevant players into the microfinance sector and develop the sector, given the structural weaknesses of the Namibian economy. Broader policy and reform initiatives, including additional incentives, might be required to spur the development of the country’s microfinance sector. AFRIKAANSE OPSOMMING : Geen opsomming beskikbaar. Doctoral 2016-12-22T13:26:58Z 2016-12-22T13:26:58Z 2016-12 Thesis http://hdl.handle.net/10019.1/100206 en_ZA Stellenbosch University xx, 320 pages ; illustrations, includes annexures application/pdf Stellenbosch : Stellenbosch University |
| spellingShingle | Microfinance -- Developing countries Economic impact analysis Namibia UCTD Haiyambo, Emma An impact assessment of the regulation of microfinance institutions in Namibia |
| title | An impact assessment of the regulation of microfinance institutions in Namibia |
| title_full | An impact assessment of the regulation of microfinance institutions in Namibia |
| title_fullStr | An impact assessment of the regulation of microfinance institutions in Namibia |
| title_full_unstemmed | An impact assessment of the regulation of microfinance institutions in Namibia |
| title_short | An impact assessment of the regulation of microfinance institutions in Namibia |
| title_sort | impact assessment of the regulation of microfinance institutions in namibia |
| topic | Microfinance -- Developing countries Economic impact analysis Namibia UCTD |
| url | http://hdl.handle.net/10019.1/100206 |
| work_keys_str_mv | AT haiyamboemma animpactassessmentoftheregulationofmicrofinanceinstitutionsinnamibia AT haiyamboemma impactassessmentoftheregulationofmicrofinanceinstitutionsinnamibia |