Các nhân tố ảnh hưởng đến hiệu quả xã hội của các tổ chức tài chính vi mô tại Việt Nam=Determinants of the Social Performance of Microfinance Institutions in Vietnam

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Tác giả: Đình Hạc Lê, Hữu Quỳnh Như Nguyễn

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Kinh tế và Ngân hàng châu Á, 2024

Mô tả vật lý: tr.93-110

Bộ sưu tập: Báo, Tạp chí

ID: 483741

Thêm vào giỏ

Nghiên cứu này phân tích các nhân tố tác động đến hiệu quả xã hội (HQXH) của 22 tổ chức tài chính vi mô (TCVM) chính thức và bán chính thức ở Việt Nam trong giai đoạn 2013–2021. Nghiên cứu sử dụng phương pháp phân tích chỉ số kết hợp DEA để đo lường HQXH của các tổ chức TCVM. Kết quả hồi quy cho thấy độ rộng tiếp cận chịu ảnh hưởng tích cực bởi quy mô, năng suất lao động và chịu ảnh hưởng tiêu cực bởi chi phí hoạt động trên tổng tài sản, bền vững hoạt động. Độ sâu tiếp cận chịu ảnh hưởng tích cực bởi thời gian hoạt động, quy mô, bền vững hoạt động và chịu ảnh hưởng tiêu cực bởi năng suất lao động, lãi suất, tính thanh khoản. Tỷ lệ khách hàng nữ vay vốn chịu ảnh hưởng tích cực bởi lãi suất và chịu ảnh hưởng tiêu cực bởi quy mô, cơ cấu vốn, bền vững hoạt động và chi phí hoạt động. Dựa trên khía cạnh hiệu quả phân bổ, kết quả cho thấy thời gian hoạt động, tỷ lệ nợ xấu, bền vững hoạt động tác động cùng chiều đến hiệu quả kỹ thuật TE. Ngược lại, các biến quy mô, lãi suất tác động ngược chiều đến TE. Bên cạnh đó, kết quả ước lượng cũng phát hiện thời gian hoạt động, bền vững hoạt động ảnh hưởng tích cực đến hiệu quả quy mô SE, trong khi quy mô lại ảnh hưởng tiêu cực đến SE. Ngoài ra, có sự khác nhau về mức độ tác động của các nhân tố quy mô, cơ cấu vốn, tính thanh khoản, năng suất lao động, chi phí hoạt động, lãi suất và bền vững hoạt động đến HQXH giữa tổ chức TCVM chính thức và bán chính thức.The paper analyzes factors affecting the social performance of microfinance institutions in Vietnam in the period 2013-2021. We use index analysis and the DEA method to measure the social performance of microfinance institutions. The results show that the breadth of outreach is positively affected by scale, labor productivity and negatively affected by operating costs, and operational sustainability. The depth of outreach is positively affected by age, scale, operational sustainability and negatively affected by labor productivity, interest rate and liquidity. The proportion of female borrowers is positively affected by interest rate and negatively affected by scale, capital structure, operational sustainability and operating costs. In terms of allocative efficiency, the researchs point that age, bad debt ratio, and operational sustainability have positive effects on technical efficiency TE while scale and interest rate have negative effects on TE. On contrast, age and operational sustainability have positive effects on scale efficiency SE while scale has negative effects on SE. In addition, the results also show differences in the level of impact of factors such as scale, capital structure, liquidity, labour productivity, operating costs, interest rates, and operational sustainability between formal and semi-formal microfinance institutions.

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