February 2012
Risk, coping mechanisms, and factors in the demand for micro-insurance in Ethiopia
This paper is the first result of a policy study carried out for the International Labour Organization (ILO) and the United Nations Capital Development Fund (UNCDF), to determine how micro-insurance can help Ethiopia’s poor become more resilient to negative financial shocks. This research focuses on the demand components of micro-insurance, and investigated two main research questions: Do...
February 2012
Social and financial performance of microfinance institutions: Is there a trade-off?
The simultaneous achievement of financial and social objectives assigned to microfinance institutions is a challenge. Showing good financial performance (good profitability) and having a high depth of outreach (serving the poor) may be contradictory. Therefore, these "banks for the poor" are facing a trade-off that can lead to mission drift. To verify the existence of this fact, we have analyzed the...
February 2012
Impact of socio-economic characteristics of GSM-owner on the use of global system for mobile communication (GSM)
The wide use of the global system for mobile communication (GSM) and its influence on various aspects of the society is yet to be empirically investigated. This paper examined the relationship between GSM usage and socio-economic characteristics (sex, marital status, age, education, income, occupation and employment) of the GSM-owners. The study sample consisted of 2,500 households in the study area....
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