Research Question To Data Analysis

Sample Research Proposal
Research Question to Data

Analysis
A study of ‘Financial Efficiency’
related issues for Micro Finance
Institutions in Indore
Research Issue
• Micro Finance is the buzz word in ‘Finance’ these days.
• Many National and international level Micro Finance

Institutions are doing appreciable job.
• Basic Difference between MFI and other FI – Clientele is

different
• So, Measures of “Financial Efficiency” must be different.
• What are the measures of F.E of MFI?

Research Gap
• Major MFIs at National Level are aware of measures of their
financial efficiency.
• What about MFIs at Indore?
• Do they measure their efficiency in the same way?
• Are they actually aware of these 21 parameters to measure their

efficiency?
• What are the factors affecting awareness towards “Financial

Efficiency” of MFIs in Indore?
Research Questions
• What are measures of ‘financial efficiency’ for
MFIs?
• What are the measures of ‘financial efficiency’

used by MFIs in Indore?
• What are the factors that affect the use/

awareness of measures of ‘financial efficiency’?
Objectives
• Finding parameters for measuring ‘Financial Efficiency’
• Identifying the parameters of measuring ‘Financial

Efficiency’ used by MFIs in Indore.
• Identifying whether, following factors make a difference

in the usage of various parameters for measuring
‘Financial Efficiency’:-
– Size, Experience, Mode of Lending, Mode of Funding, type of
MFI
Concepts and their operationalisation
Financial Efficiency of MFI –
Size –
Experience –
Mode of Lending –
Mode of Funding –
Concepts  Variables
Operational Operating
comparative
performance Self expenses /
over years of Sufficiency financial
operation expenses.
Asset
Quality
NPA’s
active
borrowers Financial Efficiency
Loans
outstandin
g
Return
on
Asset Debt /Net
Worth saving
Profit Portfolio leverage
position s
Margin yield
Concepts  Variables
Experience
Size
Number Years of
Total functioning
of Amount
Borrowers Lent
Mode of Mode of
Funding Lending
Pvt. Bank,
Public Joint Self Help
Bank etc. Liability Group
Hypothesis
• H1 – There is no significant difference between MFI’s of different
number of active borrowers with respect to their measures of
‘Financial Efficiency’
• H2– There is no significant difference between MFI’s of different
amount of lending with respect to their measures of ‘Financial
Efficiency’
• H3 – There is no significant difference between MFI’s of different
amount of lending with respect to their measures of ‘Financial
Efficiency’
• H4 - The measure of financial efficiency is significantly independent
of the lending model followed by the MFI.
• Identifying factors considered important for measuring ‘Financial

Efficiency’
Designing Questionnaire
Experience
Size
Years of
- Part 1 of Questionnaire
functioning
Number of
Borrowers Total
Amount Lent
- 6 variables
Mode of
Funding Mode of
Lending
- Nominal level
Pvt. Bank,
Public Bank Self Help
etc. Joint Liability
Group
-Used to form groups in

the sample
Operating
comparative Operational Self expenses /
performance over Sufficiency financial
years of operation
expenses.
Asset
Quality
NPA’s
active
borrowers Financial Efficiency
Loans
outstanding
Return
on Asset
Debt /Net
Worth
Profit Portfolio leverage savings
position
Margin yield
- Part 2 of Questionnaire
-21 variables to measure financial efficiency
- Scale Level (Dichotomous scale –
Very Frequently to Never)
Questionnaire
Population & Sample
Population - All of the following bodies in Indore :-
• The NGO’s, NFP- MFI’S- Societies, trusts, Non
profit companies.
• Mutual benefit MFI’S- Cooperatives, Cooperative
societies.
• For profit MFI’S- NBFC’s, Producer companies,
Local area banks
Sampling – Non Probability, cluster sampling

ideal, (convenience sampling)
Proposed Statistical Analysis
• H1, H2, H3
– Step One – Do descriptive analysis
– Step Two – See frequency distribution – If normal,
then z test . OR McNemar Test.
• H4
– Step One – Same as above
– Step Two – Chi Square test ( for strength of
association between variables)
• Factor Analysis – to identify significant factors
Data Collection & Coding
• Nominal Data
• Scaled Data
Expected Outcome
• The prominent parameters used by MFIs to
measure the ‘Financial Efficiency’
• A detailed understanding of ‘financial efficiency’

measures for MFIs in Indore in terms of
variables like Size, Experience, Mode of Lending,
Mode of Funding, type of MFI
Utility of findings
• The research can be useful for MFIs to create an
awareness of ‘Financial Efficiency’.
• The research can be useful for MFIs to become

self sustaining.
• The research can be useful for improving the

operational efficiency of MFIs and thereby
passing on the benefit to lower income class of
Indian economy.
Limitations
Generalizability of findings is questionable
due to
– Small Sample
– Non Probablistic Sampling technique
– Understanding of ‘financial terms’ is difficult
for the respondents
Scope for further research
• Improving the operating efficiency of MFIs
• Training the MFI personnel for better watching

the ‘Financial Efficiency’
Bibliography
The End

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Sample Research Proposal

Research Question to Data

• Many National and international level Micro Finance

• Basic Difference between MFI and other FI – Clientele is

• So, Measures of “Financial Efficiency” must be different.

• What are the measures of F.E of MFI?

• What about MFIs at Indore?

• Do they measure their efficiency in the same way?

• Are they actually aware of these 21 parameters to measure their

• What are the factors affecting awareness towards “Financial

• What are the measures of ‘financial efficiency’

• What are the factors that affect the use/

• Identifying the parameters of measuring ‘Financial

• Identifying whether, following factors make a difference

• Identifying factors considered important for measuring ‘Financial

-Used to form groups in

Sampling – Non Probability, cluster sampling

• A detailed understanding of ‘financial efficiency’

• The research can be useful for MFIs to become

• The research can be useful for improving the

• Training the MFI personnel for better watching

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