Roy Mersland

University of Agder

Professor

Serviceboks 422

N-4604 Kristiansand, VEST AGDER 4604

Norway

http://www.uia.no/microfinance

SCHOLARLY PAPERS

42

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57

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Scholarly Papers (42)

1.

Performance and Corporate Governance in Microfinance Institutions

Journal of Banking and Finance, Vol. 33, No. 4, pp. 662-669
Number of pages: 37 Posted: 24 Jun 2007 Last Revised: 21 Dec 2010
Roy Mersland and R. Øystein Strøm
University of Agder and Oslo and Akershus University College
Downloads 1,418 (12,422)

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Microfinance, performance, corporate governance, ownership, boards, global study

2.

Audit Quality and Corporate Governance: Evidence from the Microfinance Industry

Number of pages: 59 Posted: 30 Nov 2012
University of Agder, University of Agder and Oslo and Akershus University College
Downloads 739 (32,531)

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audit quality, microfinance, governance, emerging markets

3.

The Governance of Non-Profit Micro Finance Institutions: Lessons from History

Journal of Management and Governance
Number of pages: 43 Posted: 10 Nov 2008 Last Revised: 03 Mar 2015
Roy Mersland
University of Agder
Downloads 581 (44,933)

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Microfinance, MFI, non-profit organisations, governance, savings banks, history

4.

The Agenda and Relevance of Recent Research in Microfinance

Number of pages: 29 Posted: 03 Apr 2007
Roy Mersland
University of Agder
Downloads 551 (48,083)

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Microfinance, mode 2, research agenda, research relevance

5.

Performance and Trade-offs in Microfinance Organizations - Does Ownership Matter?

Journal of International Development, Vol. 20, pp. 598-612, 2008
Number of pages: 28 Posted: 14 Mar 2007 Last Revised: 21 Dec 2010
Roy Mersland and R. Øystein Strøm
University of Agder and Oslo and Akershus University College
Downloads 517 (52,127)

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microfinance, performance, outreach, trade-offs, transformation, ownership, corporate governance

6.

Microcredit for Self-Employed Disabled Persons in Developing Countries

Number of pages: 65 Posted: 15 Mar 2007
Roy Mersland
University of Agder
Downloads 375 (77,050)

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Microfinance, disability, MFI, DPO, self-employment

7.

The Cost of Ownership in Microfinance Organizations

World Development, Vol. 37, No. 2, 2009
Number of pages: 32 Posted: 14 Mar 2007 Last Revised: 21 Dec 2010
Roy Mersland
University of Agder
Downloads 358 (81,323)

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Microfinance, ownership, corporate governance, nonprofits, cooperatives, transformation

8.

Women and Repayment in Microfinance

World Development, Forthcoming
Number of pages: 38 Posted: 11 Jan 2011
University of Agder, Hogeschool-Universiteit Brussel (HUBrussel) and Universities of Marseille - University of Provence - Aix-Marseille I
Downloads 347 (84,341)

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Microfinance, Gender, Repayment, Portfolio-at risk, Write-offs, Provisions

9.

What Explains Governance Structure in Non-Profit and For-Profit Microfinance Institutions?

Number of pages: 25 Posted: 16 Feb 2009
Roy Mersland and R. Øystein Strøm
University of Agder and Oslo and Akershus University College
Downloads 326 (90,518)

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Micro-finance organization, governance, performance

10.

Access to Mainstream Microfinance Services for Persons with Disabilities: Lessons Learned from Uganda

Disability Studies Quarterly, Vol. 29, No. 1, 2009
Number of pages: 23 Posted: 05 Mar 2008 Last Revised: 04 Jan 2014
University of Agder, Association of Microfinance Institutions of Uganda and affiliation not provided to SSRN
Downloads 296 (100,527)

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Microfinance, disability, Uganda, mainstreaming, inclusion efforts

11.

Do Powerful CEOs Have an Impact on Microfinance Performance?

Number of pages: 32 Posted: 02 Aug 2009
Rients Galema, Robert Lensink and Roy Mersland
Utrecht University - School of Economics, University of Groningen - Department of Economics, Econometrics and Finance and University of Agder
Downloads 227 (132,362)

Abstract:

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microfinance, corporate governance

12.

You Cannot Save Alone - Financial and Social Mobilization in Savings and Credit Groups

Number of pages: 74 Posted: 27 Nov 2007 Last Revised: 10 Feb 2008
Roy Mersland and Øyvind Eggen
University of Agder and NUPI - Norwegian Institute for InternationalAffairs
Downloads 217 (138,221)

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microfinance, social mobilization, savings and credit groups, self help groups

Discrimination by Microcredit Officers: Theory and Evidence on Disability in Uganda

Number of pages: 25 Posted: 23 Dec 2010 Last Revised: 07 Jan 2014
Université de Mons-Hainaut, Université Libre de Bruxelles (ULB), University of Agder and Université Libre de Bruxelles, Solvay Brussels School of Economics and Management, Centre Emile Bernheim (CEB) & CERMi
Downloads 202 (147,688)

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Microfinance, Discrimination, Credit Officers, Incentives

Discrimination by Microcredit Officers: Theory and Evidence on Disability in Uganda

Quarterly Review of Economics and Finance, Vol. 58, 44-55, 2015
Posted: 25 May 2016
Université de Mons-Hainaut, Université Libre de Bruxelles (ULB), University of Agder and Université Libre de Bruxelles, Solvay Brussels School of Economics and Management, Centre Emile Bernheim (CEB) & CERMi

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Microcredit, Micro-entrepreneurs, Discrimination, Loan officers, Incentives, Disability

14.

Female Leaders and Financial Inclusion. Evidence from Microfinance Institutions

Number of pages: 43 Posted: 25 Feb 2016 Last Revised: 14 Mar 2016
Oslo and Akershus University College, Hogeschool-Universiteit Brussel (HUBrussel) and University of Agder
Downloads 139 (204,456)

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Female leadership, Financial access, Microfinance institutions, Cross-country panel data

15.

What Drives the Microfinance Lending Rate?

Midwest Finance Association 2013 Annual Meeting Paper
Number of pages: 32 Posted: 02 Oct 2012 Last Revised: 22 Jan 2013
Roy Mersland and R. Øystein Strøm
University of Agder and Oslo and Akershus University College
Downloads 121 (227,794)

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microfinance, pricing policy, dynamics, institutions

16.

Do Microfinance Rating Assessments Make Sense? An Analysis of the Drivers of the MFI Ratings

Number of pages: 29 Posted: 21 Mar 2011
Roy Mersland and Leif Atle Beisland
University of Agder and University of Agder
Downloads 105 (252,269)

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17.

Boards in Microfinance Institutions: How Do Stakeholders Matter

Journal of Management and Governance, Forthcoming
Number of pages: 30 Posted: 19 Dec 2012
Neema Mori and Roy Mersland
University of Dar es Salaam Business School and University of Agder
Downloads 78 (304,493)

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Microbanks, stakeholders, board structure, performance

18.

Gender Bias in Microfinance

A later version of this paper is published in Journal of Development Studies, Vol. 49, Issue. 5, pp.589-608, 2013
Number of pages: 30 Posted: 22 Mar 2016
Hogeschool-Universiteit Brussel (HUBrussel), Universities of Marseille - University of Provence - Aix-Marseille I and University of Agder
Downloads 49 (384,928)

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Microfinance, gender, MFI performance

19.

Ownership, Board Compensation and Company Performance in Sub-Saharan African Countries

Journal of Emerging Markets Finance. Vol. 15(2), pp. 1-34
Number of pages: 41 Posted: 24 Jan 2017
Gibson Munisi and Roy Mersland
University of Agder - Faculty of Economics and Social Sciences and University of Agder
Downloads 34 (441,389)

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Boards of Directors; Ownership Structure; Board Compensation; Corporate Governance; Company Performance; Sub-Saharan Africa; Weak Institutions

20.

A New Aid Modality for Africa: Old Age Cash Transfers

Number of pages: 19 Posted: 11 Jan 2011
Roy Mersland and Joachim Thøgersen
University of Agder and affiliation not provided to SSRN
Downloads 33 (445,601)

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mobile banking, foreign aid, economic growth, age-conditional transfers, overlapping generations

21.

Performance and International Investments in Microfinance Institutions

Working Paper N° 11/054
Number of pages: 30 Posted: 25 Jan 2017
Roy Mersland and ludovic urgeghe
University of Agder and Independent
Downloads 30 (459,184)

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microfinance, commercialisation, socially responsible investors, microfinance investment vehicles, social performance

22.

The Effect of Religion on Development Efforts – Evidence from the Microfinance Industry and a Research Agenda

World Development, Vol. 41, No. 1, pp. 145-156.
Number of pages: 41 Posted: 24 Jan 2017
University of Agder, Hogeschool-Universiteit Brussel (HUBrussel) and Norwegian School of Economics (NHH)
Downloads 24 (489,980)

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Religion, performance, efficiency, microfinance, development providers, MFIs

23.

Are Women Better Bankers to the Poor? Evidence from Rural Microfinance Institutions

Hartarska, V. Denis Nadolnyak, and Roy Mersland, (2014) “Are Women Better Bankers for the Poor: Evidence from Rural Microfinance Institutions?” American Journal of Agricultural Economics 96 (5): 1291-1
Number of pages: 34 Posted: 19 Dec 2017
Auburn University - Department of Agricultural Economics and Rural Sociology, Auburn University - Department of Agricultural Economics and Rural Sociology and University of Agder
Downloads 13 (553,183)

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microfinance, microfinance institutions, gender and finance, outreach, efficiency

24.

Should All Microfinance Institutions Mobilize Microsavings? Evidence from Economies of Scope

Empirical Economics, Vol. 48(1), No. 193-225, 2015
Number of pages: 41 Posted: 24 Jan 2017
Purdue University - College of Agriculture, Virginia Polytechnic Institute & State University, Auburn University - Department of Agricultural Economics and Rural Sociology and University of Agder
Downloads 12 (559,130)

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Microfinance Institution, Environmental Variables, Efficiency, Semiparametric Smooth Co- efficient, Scope Economies

25.

Scale Economies and Input Price Elasticities in Microfinance Institutions

Journal of Banking and Finance, Vol. 37(1), No. pp. 118-131, 2013
Number of pages: 43 Posted: 19 Nov 2010 Last Revised: 12 Dec 2017
Valentina Hartarska, Xuan Shen and Roy Mersland
Auburn University - Department of Agricultural Economics and Rural Sociology, Independent and University of Agder
Downloads 12 (559,130)

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Microfinance, Efficiency, Input Price Elasticity, Scale Economies, MFIs

26.

Do Microfinance Institutions Benefit from Integrating Financial and Nonfinancial Services?

Applied Economics, Vol. 50, No. 21, 2018. Doi: abs/10.1080/00036846.2017.1397852
Number of pages: 36 Posted: 02 Mar 2018
University of Groningen - Department of Economics, Econometrics and Finance, University of Agder, Can Tho University - School of Economics and Business Administration and University of Agder, School of Busines and Law, Students
Downloads 8 (583,481)

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

27.

Governance and Scope Economies in Microfinance Institutions

Number of pages: 37 Posted: 09 Jan 2018
Auburn University - Department of Agricultural Economics and Rural Sociology, University of Agder, Auburn University - Department of Agricultural Economics and Rural Sociology and Virginia Polytechnic Institute & State University
Downloads 8 (583,481)

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Microfinance Institutions, Governance, Board of Directors, Scope Economies, Intermediation

28.

The Use of Microfinance Services Among Economically Active Disabled People – Evidence from Uganda

Journal of International Development. Vol. 24 (S), pp.69-83, 2012
Number of pages: 24 Posted: 19 Dec 2010 Last Revised: 24 Jan 2017
Leif Atle Beisland and Roy Mersland
University of Agder and University of Agder
Downloads 8 (583,481)

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Microfinance, Disability, Uganda, Savings, ROSCA, Microcredit

29.

Audit Quality and Corporate Governance: Evidence from the Microfinance Industry

International Journal of Auditing, Vol. 19, Issue 3, pp. 218-237, 2015
Number of pages: 20 Posted: 13 Oct 2015
University of Agder, University of Agder and Oslo and Akershus University College
Downloads 1 (639,245)
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Audit quality, governance, microfinance, Big Four, internal audits, for‐profit organizations, non‐profit organizations

Which Governance Mechanisms Promote Efficiency in Reaching Poor Clients? Evidence from Rated Microfinance Institutions

European Financial Management, Vol. 18, Issue 2, pp. 218-239, 2012
Number of pages: 22 Posted: 17 Mar 2012
Valentina Hartarska and Roy Mersland
Auburn University - Department of Agricultural Economics and Rural Sociology and University of Agder
Downloads 1 (671,144)
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microfinance institutions, board, governance, performance, efficiency

Which Governance Mechanisms Promote Efficiency in Reaching Poor Clients? Evidence from Rated Microfinance Institutions

European Financial Management, Forthcoming
Posted: 11 Nov 2010 Last Revised: 11 Jan 2011
Roy Mersland and Valentina Hartarska
University of Agder and Auburn University - Department of Agricultural Economics and Rural Sociology

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microfinance institutions, board, governance, performance, efficiency

31.

Barriers to Microcredit for Disabled Persons: Evidence from Economically Active Persons in Uganda

Enterprise Development and Microfinance, Vol. 23, Issue. 1 pp.11-24
Posted: 24 Jan 2017
Leif Atle Beisland and Roy Mersland
University of Agder and University of Agder

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32.

The Impact of Entrepreneur‐CEOs in Microfinance Institutions: A Global Survey

Entrepreneurship Theory and Practice, Vol. 39, Issue 4, pp. 927-953, 2015
Number of pages: 27 Posted: 06 Jul 2015
Trond Randøy, R. Øystein Strøm and Roy Mersland
University of Agder - School of Management, Oslo and Akershus University College and University of Agder
Downloads 0 (657,341)
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33.

Do Powerful CEOs Determine Microfinance Performance?

Journal of Management Studies, Vol. 49, Issue 4, pp. 718-742, 2012
Number of pages: 25 Posted: 09 May 2012
Rients Galema, Robert Lensink and Roy Mersland
Utrecht University - School of Economics, University of Groningen - Department of Economics, Econometrics and Finance and University of Agder
Downloads 0 (657,341)
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CEO power, governance, managerial discretion, microfinance, risk

34.

The Impact of International Influence on Microbanks' Performance: A Global Survey

International Business Review, Forthcoming
Posted: 20 Dec 2010
Roy Mersland, Trond Randøy and R. Øystein Strøm
University of Agder, University of Agder - School of Management and Oslo and Akershus University College

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Corporate governance, Internationalization, Microbank, Microfinance, Performance

35.

Corporate Governance Challenges in Microfinance

THE HANDBOOK OF MICROFINANCE, B. Armendariz & M. Labie, eds., World Scientific Publishing, 2010
Posted: 19 Dec 2010
Roy Mersland
University of Agder

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Microfinance, Corporate Governance, Ownership, Research

36.

Myths in Microfinance

PROGRESS IN INTERNATIONAL BUSINESS RESEARCH, M. Feldman & G. Santangelo, Emerald, 2008
Posted: 19 Dec 2010 Last Revised: 11 Jan 2011
Roy Mersland and R. Øystein Strøm
University of Agder and Oslo and Akershus University College

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Microfinance, ownership, mission drift, governance, global study

37.

The Past and Future of Innovations in Microfinance

THE OXFORD HANDBOOK OF ENTREPRENEURIAL FINANCE, D. Cumming, Oxford University Press, 2011
Posted: 19 Dec 2010
Roy Mersland and R. Øystein Strøm
University of Agder and Oslo and Akershus University College

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Microfinance, Innovation, Women, Small Loans, Group Lending

38.

The Empirics of Microfinance Lending Methodologies

Posted: 19 Nov 2010
Roy Mersland and R. Øystein Strøm
University of Agder and Oslo and Akershus University College

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Microfinance, Lending, Group

39.

Microfinance Mission Drift?

World Development, Vol. 38, No. 1, 2010
Posted: 18 Nov 2010 Last Revised: 21 Dec 2010
Roy Mersland and R. Øystein Strøm
University of Agder and Oslo and Akershus University College

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microfinance, mission drift, panel data, GMM estimation

40.

Performance and Governance in Microfinance Institutions

Journal of Banking and Finance, Vol. 33, No. 4, 2009
Posted: 23 Sep 2010 Last Revised: 17 Dec 2010
Roy Mersland and R. Øystein Strøm
University of Agder and Oslo and Akershus University College

Abstract:

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Microfinance, governance, performance, boards, ownership

41.

Microfinance for People with Disabilities

POVERTY AND DISABIITY: LEONARD CHESHIRE DISABILITY, Barron T. & Ncube J.M., eds., London, UK
Posted: 22 Sep 2010 Last Revised: 21 Dec 2010
Roy Mersland and Enzo Martinelli
University of Agder and affiliation not provided to SSRN

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microfinance, disability, savings, microcredit

42.

Innovations in Savings and Credit Groups - Evidence from Kenya

Small Enterprise Development, Vol. 18, No. 1, pp. 50-56, March 2007
Posted: 01 May 2007 Last Revised: 16 Nov 2010
Roy Mersland
University of Agder

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microfinance, mobile phones, church, ROSCA, savings and credit groups