MIS Software for the Microfinance Market: An Analysis

25 Pages Posted: 2 Jul 2010 Last revised: 6 Aug 2014

See all articles by Arvind Ashta

Arvind Ashta

CEREN EA 7477 Burgundy School of Business - Université Bourgogne Franche-Comté

Date Written: April 1, 2010

Abstract

Microfinance is a sector where MIS is a strategic need for up scaling to get both economic sustainability and social outreach and performance. It should help in lowering transaction costs and interest rates. A study of the MIS for this sector is therefore crucial. This paper studies different MIS software available for the Microfinance Industry, based on seven case studies. It explains the nature of the Microfinance sector structure using the diversity of the MIS packages which have evolved to meet its specific needs. Based on our research, we have found a large diversity of the MIS software being offered for MFIs. Partly, this diversity is owing to the diversity of the Microfinance sector and partly, this diversity is owing to the need for the software to differentiate themselves from others positioning in the same niche. The evolution of the software market may be based on the evolution of the microfinance sector, notably the replication of MFI models. However, we find that the fact that MFIs are a mix of banks, NGOs and other governance structures does not make a significant difference to the type of MIS software selected.

Keywords: MIS, Microfinance, software, ICT, technology

JEL Classification: L86, M2, O14, O16, O32, O33

Suggested Citation

Ashta, Arvind, MIS Software for the Microfinance Market: An Analysis (April 1, 2010). Available at SSRN: https://ssrn.com/abstract=1583131 or http://dx.doi.org/10.2139/ssrn.1583131

Arvind Ashta (Contact Author)

CEREN EA 7477 Burgundy School of Business - Université Bourgogne Franche-Comté ( email )

29 rue Sambin
21000 Dijon
France

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