Financial and social efficiency of microcredit programs of partner organizations of Pakistan Poverty Alleviation Fund.

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  • Additional Information
    • Source:
      Publisher: Public Library of Science Country of Publication: United States NLM ID: 101285081 Publication Model: eCollection Cited Medium: Internet ISSN: 1932-6203 (Electronic) Linking ISSN: 19326203 NLM ISO Abbreviation: PLoS One Subsets: MEDLINE
    • Publication Information:
      Original Publication: San Francisco, CA : Public Library of Science
    • Subject Terms:
      Poverty*/prevention & control ; Financial Management*; Pakistan ; Organizations
    • Abstract:
      This paper examines the financial and social efficiency of the microcredit programs offered by the Pakistan Poverty Alleviation Fund partner organizations. Panel data concerning variables of interest are collected from Pakistan Microfinance Network, covering a minimum of 14 partner organizations (in 2005) to a maximum of 35 partner organizations (in 2014). The data is analyzed using the Data Envelopment Analysis, assuming both constant and variable returns to scale scenarios and the operational scale of the partner organizations. Trends in average efficiency scores have been analyzed to assess the mission drift of the partner organizations. Results reveal that managerial inefficiency is more pronounced than the sub-optimal production scale in all three scenarios under consideration. Moreover, trends in the efficiency scores indicated a slight mission drift of the microfinance providers. About 77.5% of the partner organizations were financially sustainable over the entire study period. The study recommends providing objective-oriented training, workshops, and seminars for managing microfinance providers.
      Competing Interests: The authors have declared that no competing interests exist.
      (Copyright: © 2023 Ali et al. This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.)
    • References:
      PLoS One. 2020 Dec 28;15(12):e0244444. (PMID: 33370406)
      PLoS One. 2022 Mar 1;17(3):e0261326. (PMID: 35231026)
    • Publication Date:
      Date Created: 20230324 Date Completed: 20230328 Latest Revision: 20230418
    • Publication Date:
      20240628
    • Accession Number:
      PMC10038267
    • Accession Number:
      10.1371/journal.pone.0280731
    • Accession Number:
      36961854