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51.
Which Microfinance Institutions Are Becoming More Cost Effective with Time? Evidence from a Mixture Model 总被引:1,自引:0,他引:1
STEVEN B. CAUDILL DANIEL M. GROPPER† VALENTINA HARTARSKA‡ 《Journal of Money, Credit and Banking》2009,41(4):651-672
Microfinance institutions (MFIs) play a key role in many developing countries. Utilizing data from Eastern Europe and Central Asia, MFIs are found to generally operate with lower costs the longer they are in operation. Given the differences in operating environments, subsidies, and organizational form, this finding of increasing cost effectiveness may not aptly characterize all MFIs. Estimation of a mixture model reveals that roughly half of the MFIs are able to operate with reduced costs over time, while half do not. Among other things, we find that larger MFIs offering deposits and those receiving lower subsidies operate more cost effectively over time. 相似文献
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Résumé. Les auteurs examinent certaines des questions fondamentales relatives à la concentration, à l'intensité de la concurrence et aux rendements d'échelle du secteur canadien de la vérification. Selon les résultats de leurs travaux, il pourrait être plus approprié de construire les indices de concentration en fonction des «sept grands» qu'en fonction des «huit grands» cabinets comme le veut la tradition. Les auteurs en viennent également à la conclusion que le secteur est assujetti à long terme à des rendements d'échelle constants et que le marché des services de vérification est assez concurrentiel. 相似文献
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DANIEL SUTTER 《American journal of economics and sociology》2011,70(4):1053-1084
The comparative performance of academic and economic markets continues to be debated. One factor potentially distinguishing academic markets is the profit motive. Profit and competition have been shown to curb discrimination in markets, and the absence of profit discipline could result in myriad forms of prejudice in academic hiring. We explore the role of the profit motive in the performance of academic markets by comparing the pedigree of employees of top law schools and top law firms. Top law schools are much more likely to employ graduates of top ranked law schools than elite law firms, and the difference exists at both the junior and senior levels. We find no evidence that the graduates of top 5 law schools outperform grads of less prestigious schools in publications or citations. In the absence of a profit motive, academic hiring appears more likely to indulge a preference for pedigree, and by implication, this may explain other scholarly prejudices in the academy. 相似文献
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PATRICIA A. NORBERG DANIEL R. HORNE DAVID A. HORNE 《The Journal of consumer affairs》2007,41(1):100-126
Impelled by the development of technologies that facilitate collection, distribution, storage, and manipulation of personal consumer information, privacy has become a “hot” topic for policy makers. Commercial interests seek to maximize and then leverage the value of consumer information, while, at the same time, consumers voice concerns that their rights and ability to control their personal information in the marketplace are being violated. However, despite the complaints, it appears that consumers freely provide personal data. This research explores what we call the “privacy paradox” or the relationship between individuals’ intentions to disclose personal information and their actual personal information disclosure behaviors. 相似文献
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In 1994 and 1995, a U.S. presidential task force called the "Dunlop Commission" issued reports on the labor market and made various public policy recommendations. The commission's fact-finding report identified a variety of problems, primarily economic, such as widening wage inequality, lagging productivity, and unemployment. However, the commission's recommendation report limited its focus primarily to collective bargaining labor law and proposed solutions that appeared unlikely to have a significant impact on the problems identified in the first report. The commission's narrow charge, its insistence on maintaining a consensus among its members, and the limited range of views represented by its membership explain these inconsistencies. 相似文献