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    Attaining Outreach with Sustainability: A Case Study of a Private Micro?Finance Institution in Indonesia

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    IDSB_29_4_10.1111-j.1759-5436.1998.mp29004009.x.pdf (245.2Kb)
    Date
    01/10/1998
    Author
    Seibel, Hans Dieter
    Parhusip, Uben
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    Abstract
    summary Financial and economic deregulation in Indonesia since 1983 has encouraged the growth of micro?finance institutions (MFIs). Combined with sustained economic growth, this has resulted in drastic reductions in poverty. The article analyses the performance of Bank Shinta Daya, a private rural bank in Java, in terms of outreach to the poor and non?poor, financial viability and sustainability, resource mobilisation, and sound (best) micro?finance practices. Bank Shinta Daya combines individual and group?lending technologies. The experience indicates that the latter cover their costs and greatly increase the bank's outreach to the poor as a new market segment, but initially add little to the bank's overall profitability. The case study shows how viability and sustainability can be attained in banking with the poor and the non?poor to conclude that only financially viable institutions can sustainably reach the poor in significant numbers.
    URI
    https://opendocs.ids.ac.uk/opendocs/handle/20.500.12413/9144
    Citation
    Seibel, H., D. and Parhusip, U. (1998) Attaining Outreach with Sustainability: A Case Study of a Private Micro?Finance Institution in Indonesia. IDS Bulletin 29(4): 81-90
    DOI
    10.1111/j.1759-5436.1998.mp29004009.x
    Is part of series
    IDS Bulletin Vol. 29 Nos. 4
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    © 1998 Institue of Development Studies
    Rights details
    http://www.ids.ac.uk/files/dmfile/IDSOpenDocsStandardTermsOfUse.pdf
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    • Volume 29, Issue 4 [11]

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