An Evaluation of Micro-Credit Programs in Bosnia and Herzegovina Using Porter’s Diamond Model

The effective design and delivery of a microcredit program is difficult under any circumstance. Similarly, the task of microcredit institutions in Bosnia and Herzegovina that provide financial stability to its most impoverished members is very much complicated. The purpose of this paper is to explor...
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Autor*in:	Mohammad HAMAD [verfasserIn] Teoman DUMAN [verfasserIn]

Format:	E-Artikel
Sprache:	Englisch

Erschienen:	2013

Schlagwörter:	Microcredit Bosnia and Herzegovina Microcredit Foundations Interest Indicators Loans Repayment Poverty Debt.

Übergeordnetes Werk:	In: Eurasian Journal of Business and Economics - Ala-Too International University, 2011, 6(2013), 12, Seite 27-42
Übergeordnetes Werk:	volume:6 ; year:2013 ; number:12 ; pages:27-42

Links:	Link aufrufen Link aufrufen Journal toc Journal toc

Katalog-ID:	DOAJ023773715

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520			\|a The effective design and delivery of a microcredit program is difficult under any circumstance. Similarly, the task of microcredit institutions in Bosnia and Herzegovina that provide financial stability to its most impoverished members is very much complicated. The purpose of this paper is to explore competitive advantages that microcredit industry in Bosnia and Herzegovina has by using Porter's diamond model. The demonstration of the Diamond Model is used to explain the competitive advantage that the microcredit industry has in Bosnia and Herzegovina. To analyze the competitive advantages, secondary data were used from various institutional and governmental resources .The findings reflect that the meaningful objectives were set out by microcredit institutions in the country including objectively verifiable indicators of achievements. Among peers in Kosovo and in other Balkan regions (Albania, Croatia, Macedonia, Montenegro, Serbia), as well as peers similar in size and market outreach from Eastern Europe and Central Asia (ECA), the Bosnian microcredit institutions are some of the most highly leveraged. There is a clear upward trend in the median indicator for portfolio at risk between 2006 and 2008. The inflationary pressures that started at the end of 2007 in BH as well as the repercussions of the global 2008/2009 financial crisis have affected the repayment capacity of clients. From a policy perspective, the results suggest that in order to improve efficiency in the microcredit sector, and in the financial sector as a whole, a unified banking agency for the country must be established. Despite being hopeful for future, this doesn't seem likely to happen until the Bosnian Constitution is amended sometime in the future.
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allfields	(DE-627)DOAJ023773715 (DE-599)DOAJ1e45f78c014e4a71af7a9aa545f2ed43 DE-627 ger DE-627 rakwb eng HF5001-6182 Mohammad HAMAD verfasserin aut An Evaluation of Micro-Credit Programs in Bosnia and Herzegovina Using Porter’s Diamond Model 2013 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier The effective design and delivery of a microcredit program is difficult under any circumstance. Similarly, the task of microcredit institutions in Bosnia and Herzegovina that provide financial stability to its most impoverished members is very much complicated. The purpose of this paper is to explore competitive advantages that microcredit industry in Bosnia and Herzegovina has by using Porter's diamond model. The demonstration of the Diamond Model is used to explain the competitive advantage that the microcredit industry has in Bosnia and Herzegovina. To analyze the competitive advantages, secondary data were used from various institutional and governmental resources .The findings reflect that the meaningful objectives were set out by microcredit institutions in the country including objectively verifiable indicators of achievements. Among peers in Kosovo and in other Balkan regions (Albania, Croatia, Macedonia, Montenegro, Serbia), as well as peers similar in size and market outreach from Eastern Europe and Central Asia (ECA), the Bosnian microcredit institutions are some of the most highly leveraged. There is a clear upward trend in the median indicator for portfolio at risk between 2006 and 2008. The inflationary pressures that started at the end of 2007 in BH as well as the repercussions of the global 2008/2009 financial crisis have affected the repayment capacity of clients. From a policy perspective, the results suggest that in order to improve efficiency in the microcredit sector, and in the financial sector as a whole, a unified banking agency for the country must be established. Despite being hopeful for future, this doesn't seem likely to happen until the Bosnian Constitution is amended sometime in the future. Microcredit Bosnia and Herzegovina Microcredit Foundations Interest Indicators Loans Repayment Poverty Debt. Business Teoman DUMAN verfasserin aut In Eurasian Journal of Business and Economics Ala-Too International University, 2011 6(2013), 12, Seite 27-42 (DE-627)66854970X (DE-600)2628945-3 16945972 nnns volume:6 year:2013 number:12 pages:27-42 https://doaj.org/article/1e45f78c014e4a71af7a9aa545f2ed43 kostenfrei http://www.ejbe.org/EJBE2013Vol06No12p027-HAMAD-DUMAN.pdf kostenfrei https://doaj.org/toc/1694-5948 Journal toc kostenfrei https://doaj.org/toc/1694-5972 Journal toc kostenfrei GBV_USEFLAG_A SYSFLAG_A GBV_DOAJ GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_26 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_90 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2006 GBV_ILN_2007 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2055 GBV_ILN_2108 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4046 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 6 2013 12 27-42
spelling	(DE-627)DOAJ023773715 (DE-599)DOAJ1e45f78c014e4a71af7a9aa545f2ed43 DE-627 ger DE-627 rakwb eng HF5001-6182 Mohammad HAMAD verfasserin aut An Evaluation of Micro-Credit Programs in Bosnia and Herzegovina Using Porter’s Diamond Model 2013 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier The effective design and delivery of a microcredit program is difficult under any circumstance. Similarly, the task of microcredit institutions in Bosnia and Herzegovina that provide financial stability to its most impoverished members is very much complicated. The purpose of this paper is to explore competitive advantages that microcredit industry in Bosnia and Herzegovina has by using Porter's diamond model. The demonstration of the Diamond Model is used to explain the competitive advantage that the microcredit industry has in Bosnia and Herzegovina. To analyze the competitive advantages, secondary data were used from various institutional and governmental resources .The findings reflect that the meaningful objectives were set out by microcredit institutions in the country including objectively verifiable indicators of achievements. Among peers in Kosovo and in other Balkan regions (Albania, Croatia, Macedonia, Montenegro, Serbia), as well as peers similar in size and market outreach from Eastern Europe and Central Asia (ECA), the Bosnian microcredit institutions are some of the most highly leveraged. There is a clear upward trend in the median indicator for portfolio at risk between 2006 and 2008. The inflationary pressures that started at the end of 2007 in BH as well as the repercussions of the global 2008/2009 financial crisis have affected the repayment capacity of clients. From a policy perspective, the results suggest that in order to improve efficiency in the microcredit sector, and in the financial sector as a whole, a unified banking agency for the country must be established. Despite being hopeful for future, this doesn't seem likely to happen until the Bosnian Constitution is amended sometime in the future. Microcredit Bosnia and Herzegovina Microcredit Foundations Interest Indicators Loans Repayment Poverty Debt. Business Teoman DUMAN verfasserin aut In Eurasian Journal of Business and Economics Ala-Too International University, 2011 6(2013), 12, Seite 27-42 (DE-627)66854970X (DE-600)2628945-3 16945972 nnns volume:6 year:2013 number:12 pages:27-42 https://doaj.org/article/1e45f78c014e4a71af7a9aa545f2ed43 kostenfrei http://www.ejbe.org/EJBE2013Vol06No12p027-HAMAD-DUMAN.pdf kostenfrei https://doaj.org/toc/1694-5948 Journal toc kostenfrei https://doaj.org/toc/1694-5972 Journal toc kostenfrei GBV_USEFLAG_A SYSFLAG_A GBV_DOAJ GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_26 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_90 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_702 GBV_ILN_2006 GBV_ILN_2007 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2011 GBV_ILN_2014 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2026 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2055 GBV_ILN_2108 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4046 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 6 2013 12 27-42
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language	English
source	In Eurasian Journal of Business and Economics 6(2013), 12, Seite 27-42 volume:6 year:2013 number:12 pages:27-42
sourceStr	In Eurasian Journal of Business and Economics 6(2013), 12, Seite 27-42 volume:6 year:2013 number:12 pages:27-42
format_phy_str_mv	Article
institution	findex.gbv.de
topic_facet	Microcredit Bosnia and Herzegovina Microcredit Foundations Interest Indicators Loans Repayment Poverty Debt. Business
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container_title	Eurasian Journal of Business and Economics
authorswithroles_txt_mv	Mohammad HAMAD @@aut@@ Teoman DUMAN @@aut@@
publishDateDaySort_date	2013-01-01T00:00:00Z
hierarchy_top_id	66854970X
id	DOAJ023773715
language_de	englisch
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callnumber-first	H - Social Science
author	Mohammad HAMAD
spellingShingle	Mohammad HAMAD misc HF5001-6182 misc Microcredit misc Bosnia and Herzegovina misc Microcredit Foundations misc Interest misc Indicators misc Loans misc Repayment misc Poverty misc Debt. misc Business An Evaluation of Micro-Credit Programs in Bosnia and Herzegovina Using Porter’s Diamond Model
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topic_title	HF5001-6182 An Evaluation of Micro-Credit Programs in Bosnia and Herzegovina Using Porter’s Diamond Model Microcredit Bosnia and Herzegovina Microcredit Foundations Interest Indicators Loans Repayment Poverty Debt
topic	misc HF5001-6182 misc Microcredit misc Bosnia and Herzegovina misc Microcredit Foundations misc Interest misc Indicators misc Loans misc Repayment misc Poverty misc Debt. misc Business
topic_unstemmed	misc HF5001-6182 misc Microcredit misc Bosnia and Herzegovina misc Microcredit Foundations misc Interest misc Indicators misc Loans misc Repayment misc Poverty misc Debt. misc Business
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title	An Evaluation of Micro-Credit Programs in Bosnia and Herzegovina Using Porter’s Diamond Model
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title_full	An Evaluation of Micro-Credit Programs in Bosnia and Herzegovina Using Porter’s Diamond Model
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author_browse	Mohammad HAMAD Teoman DUMAN
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title_sort	evaluation of micro-credit programs in bosnia and herzegovina using porter’s diamond model
callnumber	HF5001-6182
title_auth	An Evaluation of Micro-Credit Programs in Bosnia and Herzegovina Using Porter’s Diamond Model
abstract	The effective design and delivery of a microcredit program is difficult under any circumstance. Similarly, the task of microcredit institutions in Bosnia and Herzegovina that provide financial stability to its most impoverished members is very much complicated. The purpose of this paper is to explore competitive advantages that microcredit industry in Bosnia and Herzegovina has by using Porter's diamond model. The demonstration of the Diamond Model is used to explain the competitive advantage that the microcredit industry has in Bosnia and Herzegovina. To analyze the competitive advantages, secondary data were used from various institutional and governmental resources .The findings reflect that the meaningful objectives were set out by microcredit institutions in the country including objectively verifiable indicators of achievements. Among peers in Kosovo and in other Balkan regions (Albania, Croatia, Macedonia, Montenegro, Serbia), as well as peers similar in size and market outreach from Eastern Europe and Central Asia (ECA), the Bosnian microcredit institutions are some of the most highly leveraged. There is a clear upward trend in the median indicator for portfolio at risk between 2006 and 2008. The inflationary pressures that started at the end of 2007 in BH as well as the repercussions of the global 2008/2009 financial crisis have affected the repayment capacity of clients. From a policy perspective, the results suggest that in order to improve efficiency in the microcredit sector, and in the financial sector as a whole, a unified banking agency for the country must be established. Despite being hopeful for future, this doesn't seem likely to happen until the Bosnian Constitution is amended sometime in the future.
abstractGer	The effective design and delivery of a microcredit program is difficult under any circumstance. Similarly, the task of microcredit institutions in Bosnia and Herzegovina that provide financial stability to its most impoverished members is very much complicated. The purpose of this paper is to explore competitive advantages that microcredit industry in Bosnia and Herzegovina has by using Porter's diamond model. The demonstration of the Diamond Model is used to explain the competitive advantage that the microcredit industry has in Bosnia and Herzegovina. To analyze the competitive advantages, secondary data were used from various institutional and governmental resources .The findings reflect that the meaningful objectives were set out by microcredit institutions in the country including objectively verifiable indicators of achievements. Among peers in Kosovo and in other Balkan regions (Albania, Croatia, Macedonia, Montenegro, Serbia), as well as peers similar in size and market outreach from Eastern Europe and Central Asia (ECA), the Bosnian microcredit institutions are some of the most highly leveraged. There is a clear upward trend in the median indicator for portfolio at risk between 2006 and 2008. The inflationary pressures that started at the end of 2007 in BH as well as the repercussions of the global 2008/2009 financial crisis have affected the repayment capacity of clients. From a policy perspective, the results suggest that in order to improve efficiency in the microcredit sector, and in the financial sector as a whole, a unified banking agency for the country must be established. Despite being hopeful for future, this doesn't seem likely to happen until the Bosnian Constitution is amended sometime in the future.
abstract_unstemmed	The effective design and delivery of a microcredit program is difficult under any circumstance. Similarly, the task of microcredit institutions in Bosnia and Herzegovina that provide financial stability to its most impoverished members is very much complicated. The purpose of this paper is to explore competitive advantages that microcredit industry in Bosnia and Herzegovina has by using Porter's diamond model. The demonstration of the Diamond Model is used to explain the competitive advantage that the microcredit industry has in Bosnia and Herzegovina. To analyze the competitive advantages, secondary data were used from various institutional and governmental resources .The findings reflect that the meaningful objectives were set out by microcredit institutions in the country including objectively verifiable indicators of achievements. Among peers in Kosovo and in other Balkan regions (Albania, Croatia, Macedonia, Montenegro, Serbia), as well as peers similar in size and market outreach from Eastern Europe and Central Asia (ECA), the Bosnian microcredit institutions are some of the most highly leveraged. There is a clear upward trend in the median indicator for portfolio at risk between 2006 and 2008. The inflationary pressures that started at the end of 2007 in BH as well as the repercussions of the global 2008/2009 financial crisis have affected the repayment capacity of clients. From a policy perspective, the results suggest that in order to improve efficiency in the microcredit sector, and in the financial sector as a whole, a unified banking agency for the country must be established. Despite being hopeful for future, this doesn't seem likely to happen until the Bosnian Constitution is amended sometime in the future.
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title_short	An Evaluation of Micro-Credit Programs in Bosnia and Herzegovina Using Porter’s Diamond Model
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