Imran, Hossain Md (2025) Employee Turnover, Efficiency Wage, Gender Diversity, And The Credit Risk Of The Microfinance Institutions: A Global Evidence. PhD thesis, Perpustakaan Hamzah Sendut.
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Abstract
In today’s competitive world, credit risk is a serious concern for lending institutions such as microfinance institutions (mfis) due to its impact on their institutional and financial viability. As such credit risk remains a valid problem for the policymakers, practitioners and regulatory authority of the mfis which needs continuous evaluation and further investigation to develop strategy and policy to reduce it. Consequently, considering the significance of relational lending approach of mfis which distinguishes them from commercial banks, this study exclusively focuses on three crucial aspects such as employee turnover rates, efficiency wage, and gender diversity (board and loan officer’s level) and their impact on the credit risk of the mfis. Four underpinning theories were explored in this study to develop the relationships between the constructs. The study utilized data of 1260 (approx.) unique mfis from six different regions globally which were collected from the world bank (mix-market) databases for the period of 2010 to 2018. Utilizing extensive econometric tools such as pooled ordinary least squares (pols),
| Item Type: | Thesis (PhD) |
|---|---|
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28-70 Management. Industrial Management |
| Divisions: | Pusat Pengajian Pengurusan (School of Management) > Thesis |
| Depositing User: | Mr Hasmizar Mansor |
| Date Deposited: | 29 Apr 2026 01:31 |
| Last Modified: | 29 Apr 2026 01:31 |
| URI: | http://eprints.usm.my/id/eprint/64017 |
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