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A Comparative Integration Study of Performance Metrics in Microfinance: Grameen Bank vs. Cooperative Bank

A Comparative Integration Study of Performance Metrics in Microfinance: Grameen Bank vs. Cooperative Bank
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Author(s): Mehree Iqbal (North South University, Bangladesh), Nabila Nisha (North South University, Bangladesh)and Afrin Rifat (North South University, Bangladesh)
Copyright: 2023
Pages: 22
Source title: Research Anthology on Microfinance Services and Roles in Social Progress
Source Author(s)/Editor(s): Information Resources Management Association (USA)
DOI: 10.4018/978-1-6684-7552-2.ch020

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Abstract

This study aims to understand the cause-and-effect relationship between financial and non-financial measures under a balanced scorecard (BSC) model in the microfinance sector of Bangladesh. Structural equation modeling is employed to test non-financial relationships hypothesized under BSC model and one sample t-tests are conducted to further relate non-financial variables to the financial performance variable for two microfinance providers. While all non-financial variables share positive and significant relationships, findings show that customer perspective and internal business process factors are quite strong and more evident for Grameen Bank than a cooperative bank. As such, microfinance providers which will improve their non-financial perspectives can ultimately benefit from increased financial performance. The article draws attention to microfinance providers so that they can address shortcomings in their current performance measurement systems and identify mechanisms that can help them improve their financial performances. Implications and future directions are discussed too.

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