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Stephen Zamore

NLA University College

Associate Professor

Bergtorasvei 120

Kristiansand, 4633

Norway

  • NLA University College

SCHOLARLY PAPERS

10

DOWNLOADS

1,925

TOTAL CITATIONS

5

Scholarly Papers (10)

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1.

Credit Risk Research: Review and Agenda

Emerging Markets Finance and Trade 54(4): 811-835, 2018
Number of pages: 66 Posted: 01 Mar 2018
Stephen Zamore, Kwame Ohene Djan, Ilan Alon and Bersant Hobdari
NLA University College, University of Agder, University of Agder - School of Management and Copenhagen Business School
Downloads 714 (90,336)

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bibliography, credit risk, historiographic mapping, co-citation, bibliometric

2.

Panel Data Analysis: A Simplified Summary

Number of pages: 5 Posted: 29 Dec 2022
Stephen Zamore
NLA University College
Downloads 683 (95,429)

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Panel Data, Fixed Effects, Random Effects, Endogeneity, GMM

3.

Should Microfinance Institutions Diversify or Focus? A Global Analysis

Zamore, S. (2018). Should microfinance institutions diversify or focus? A global analysis. Research in International Business and Finance, 46, 105-119. DOI/10.1016/j.ribaf.2017.12.001
Number of pages: 41 Posted: 16 Feb 2018 Last Revised: 22 Dec 2022
Stephen Zamore
NLA University College
Downloads 155 (480,208)
Citation 1

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revenue diversification, financial performance, microfinance, sustainability, profitability

4.

Excessive Focus on Risk? Non-performing Loans and Efficiency of Microfinance Institutions

International Journal of Finance & Economics, 28:1290–1307
Number of pages: 18 Posted: 04 Dec 2022 Last Revised: 30 Jul 2025
Stephen Zamore, Leif Atle Beisland and Roy Mersland
NLA University College, University of Agder and University of Agder
Downloads 88 (753,595)

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cost efficiency, non-performing loans, microfinance, stochastic frontier analysis, Granger-causality test, system GMM

5.

Do Microfinance Institutions Benefit from Integrating Financial and Nonfinancial Services?

Applied Economics, Vol. 50, No. 21, 2386-2401. 
Doi: abs/10.1080/00036846.2017.1397852
Number of pages: 17 Posted: 02 Mar 2018 Last Revised: 30 Jul 2025
Robert Lensink, Roy Mersland, Vu Thi Hong Nhung and Stephen Zamore
University of Groningen - Department of Economics, Econometrics and Finance, University of Agder, Can Tho University - School of Economics and Business Administration and NLA University College
Downloads 83 (790,029)
Citation 4

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Microfinance ‘plus’, business development services, outreach, financial sustainability

6.

Does It Pay to be Green? A Study of the Global Microfinance Industry

Nonprofit and Voluntary Sector Quarterly, 52(3), 631-653 
Number of pages: 23 Posted: 04 Dec 2022 Last Revised: 30 Jul 2025
Leif Atle Beisland, Stephen Zamore and Roy Mersland
University of Agder, NLA University College and University of Agder
Downloads 56 (1,000,027)

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Green microfinance, environmental policy, social rating, social performance, financial performance

7.

Antecedents and Short-Run Causal Relationship between Foreign Direct Investment and Infrastructure Development in Ghana

International Journal of Financial Services Management, Forthcoming
Number of pages: 31 Posted: 02 Mar 2018
Sikanery Ibrahim, Kingsley Opoku Appiah and Stephen Zamore
Cal Bank, Kwame Nkrumah University of Science and Technology and NLA University College
Downloads 53 (1,031,043)

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GDP growth, openness, electricity consumption, FDI inflows, Granger-causality, Cointegration, Vector Auto-regression

8.

Debt, Free Cash Flow, and Financial Performance in Microfinance: A Global Analysis.

Number of pages: 47 Posted: 27 Jan 2026
Yan Zhang, Stephen Zamore and Roy Mersland
University of Agder, NLA University College and University of Agder
Downloads 45 (1,183,237)

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Free cash flow, Debt, Performance, Agency theory, Microfinance institutions, Hybrid organizations JEL codes: M41, G21

9.

Internationalization of the Microfinance Industry

In Hudon, M., Labie, M. and Szafarz, A. (Ed), Research Agenda for Financial Inclusion and Microfinance. Edward Elgar, 2019
Number of pages: 19 Posted: 05 Dec 2022
Roy Mersland, Stephen Zamore and Kwame Ohene Djan
University of Agder, NLA University College and University of Agder
Downloads 26 (1,372,601)

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internationalization, microfinance, cross-border microfinance partnerships

10.

Field Report: Motivations for Business Start-Up: Are There Any Differences between Disabled and Non-Disabled Microfinance Clients?

Journal of International Development. Vol. 28(1), pp. 147-149, DOI: 10.1002/jid.3196
Number of pages: 7 Posted: 13 Aug 2025 Last Revised: 17 Aug 2025
Leif Atle Beisland, Roy Mersland and Stephen Zamore
University of Agder, University of Agder and NLA University College
Downloads 22 (1,424,331)

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Business Start-Up, Entrepreneurship, Disability, Microfinance, Developing Countries, Ecuador