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Contents

Page

Welcome from the Dean of Portsmouth Business School 1

Welcome from the Conference Organisers 2

Conference Programme 3 - 4

Conference Speakers 5

Parallel Sessions – detailed programme 6 - 13

Social Events and Local Map 14

Useful Information 15

Portland Building Ground Floor Map 16

Portland Building First Floor Map 17

Portland Building Second Floor Map 18

Portland Building Third Floor Map 19

Acknowledgements 20

1

Welcome from the Dean of Portsmouth Business School

As Dean of Portsmouth Business School, I am delighted to welcome the 5thEuropean Research Conference on Microfinance to the University of Portsmouth. I am confident that delegates will find Portsmouth, the University, and the Business School a warm and welcoming environment. We are a large and cosmopolitan institution with over 23,000 students, 4,000 of whom are international students coming from more than 150 different countries. We are proud to be ranked in the top 2% of universities in the world in the Times Higher Education World University Rankings 2016.

Over the next three days, we will be welcoming over 100 delegates from over 60 institutions spanning more than 20 countries. It is a pleasure to have such a vibrant community of scholars taking part in what promises to be a rich and varied programme of events in our waterfront city. The conference networking evening will take you into Portsmouth’s historic naval dockyard to Boathouse 4. Time permitting, some of you may choose to follow the Nelson trail around Old Portsmouth as well as taking in some more modern sights such as Sir Ben Ainslie’s race HQ and the Spinnaker Tower in Gunwharf Quays. Whatever your plans, hopefully the weather will be kind and you will find some time to enjoy a walk along the seafront and watch the world go by on the Solent.

This conference is unique in its focus in an international context and aims at serving as a platform for researchers from a large variety of countries and backgrounds to meet and engage in rich debates and collaborations. We especially welcome research students, their enthusiasm for scholastic developments and their fresh approach to discovery. We anticipate that the event will spark increased interest in the area of microfinance and financial inclusion promoting research collaborations across international borders.

It is often forgotten and little known generally how microfinance-linked traditions have been responsible for shaping European and global banking practice and for originating the savings and loans products that we take for granted today. This is true across modern-day co-operatives, credit unions and more mainstream financial institutions. Bearing this in mind, the panel discussions taking place over the next few days, particularly on social banking, FinTech, gender and Islamic microfinance, are of greatrelevance in understanding how we can learn together through the lens of microfinance to shape future banking and finance practices and best support economic development.

I look forward to meeting many of you in person over the next three days. In the meantime, I wish you a stimulating and enjoyable conference. Professor Gioia Pescetto Dean, Portsmouth Business School

2

Welcome from Michael O’Connor and Joana Afonso

We have both traveled different paths but ended up in Portsmouth as faculty member and PhD researcher respectively. Our backgrounds include working with microfinance organisations throughout the world in different capacities as well as being engaged in entrepreneurially-influenced initiatives in public and private capacities across different continents. Having both studied as part of the 2012-2013 cohort of the European Microfinance Programme in Brussels, we understand and share great respect for the work of our conference partners in promoting and investing in research in microfinance and the world of financial inclusion. As the conference approached we have been inspired by the lead members of each of the panel discussions and the perspectives – contemporary, provocative and otherwise - that we hope will be developed further during the conference. Through the assembled line-up of world-renowned scholars and leading practitioners in the field, we look forward to sharing, provoking and inspiring research-oriented thought with you on this fascinating world of microfinance over the next days. Old Portsmouth and Southsea are idyllic parts of the world at this time of the year and we very much hope you will take the chance to work up an appetite by going for a short stroll along the promenade before our evening social events - welcome!

As members of the local organizing committee, we would like to extend all conference delegates and speakers a very warm welcome to Portsmouth Business School. We would like to thank you for traveling from far and near to be with us over the next days. We have enjoyed communicating with you in the build-up to the event and we look forward to getting to know you while you are here. We hope that your stay in Portsmouth will be very worthwhile in promoting ongoing research collaborations and contributing to future project possibilities.

3

5th European Research Conference on Microfinance Programme

Day 1 – Monday, June 12 2017

9.30 – 9.45

Welcome and Opening Ceremony (Portsmouth Business School, European Microfinance Platform) Room 1.74

9.45 – 11.30

Plenary session: What will microfinance look like in 2030? Professor Marek Hudon, Kimanthi Mutua, Dr Annette Krauss, Sam Mendelson, Professor Dirk Zetzsche (moderator)

Room 1.74

11.30 - 11.45 Coffee Break Portland Atrium

11.45 - 13.30 Parallel Streams - Session 1

See Parallel Sessions

Programme 13.30 - 14.30 Lunch Portland Atrium



Programme 16.15 – 16.30 Coffee Break Portland Atrium

16.30 - 18.00

Plenary session: Islamic microfinance - faith-based cosmetic or an advance for everyone? Professor Malcolm Harper, Professor Habib Ahmed, Dr Amjad Saqib, Dr Mohammed Kroessin, Dr Ajaz Khan (moderator)

Room 1.74

19.00 – 22.30 Social Event (Barbeque with food served from 19.30-20.30) ‘Waterhole Bar’

Day 2 – Tuesday, June 13 2017

9.30 - 11.00

Plenary Session: Placing Gender in the Contemporary Financial Inclusion Discourse Professor Isabelle Guérin, Dr Susan Johnson, Dr Supriya Garikipati, Fiona Jarden, Professor Robert Lensink (moderator)

Room 1.74

11.00 - 11.15 Coffee Break Portland Atrium



Programme 13.00 - 14.00

Lunch Simulation of Microfinance Data On-line Platform (Lucia Spaggiari)

Portland Atrium Room 0.27

14:00 – 15.15

Plenary Session: New Frontiers in Microfinance Chair: Professor Roy Mersland; Keynote Speakers: Professor Ariane Szafarz, Professor Tyler Wry

Room 1.74

15.15 – 15.30 Best PhD Paper Award Ceremony Room 1.74

15.30 – 15.45 Coffee Break Portland Atrium

15.45 – 17.30

Panel: FinTech and Microfinance Professor Arvind Ashta (moderator), Dr Phillip Mader, Wu Wei, Gunnar Camner, Niall Dennehy

Room 1.74

4

19.00 - 22.00 Social Event (formal opening at 19.30)

‘Boathouse 4’ Portsmouth Historic

Dockyard Day 3 – Wednesday, June 14 2017

9.30 – 10.45 Parallel Streams - Session 4


Programme 10.45 - 11.00 Coffee Break Portland Atrium

11.00 - 12.45

Plenary Session: (Re)framing Research in Microfinance Professor James Copestake, Professor Marc Labie, Dr Maren Duvendack, Lucia Spaggiari, Maude Massu, Grzegorz Galusek

Room 1.74

12.45 – 13.00 Conference Close (Portsmouth Business School, CERMi) Room 1.74

13.00 - 14.00 Lunch Portland Atrium

Professor Habib Ahmed University of Durham Islamic Microfinance

Professor James Copestake University of Bath (Re)framing Research

Grzegorz Galusek Director Microfinance Centre (Re)framing Research

Professor Malcolm Harper Cranfield School of Management Islamic Microfinance

Dr Susan Johnson University of Bath Gender

Dr Mohammed Kroessin Islamic Relief Academy Islamic Microfinance

Dr Phillip Mader University of Sussex FinTech

Roy Mersland University of Agder New Frontiers

Dr Amjad Saqib Akhuwat Pakistan Islamic Microfinance

Professor Tyler Wry The Wharton School University of Pennsylvania New Frontiers

Professor Arvind Ashta Université Bourgogne Franche-Comté, Burgundy School of Business – CEREN FinTech

Niall Dennehy Aid:Tech FinTech

Dr Supriya Garikipati University of Liverpool Gender

Professor Marek Hudon CERMi, Université Libre de Bruxelles Microfinance 2030

Dr Ajaz Khan lendwithcare Islamic Microfinance

Professor Marc Labie CERMi, University of Mons (Re)framing Research

Maude Massu Financial Inclusion Forum UK (Re)framing Research

Kimanthi Mutua Sidian Bank Kenya Microfinance 2030

Lucia Spaggiari Social Performance Task Force (Re)framing Research

Professor Dirk Zetzsche University of Luxembourg Microfinance 2030

Gunnar Camner GSMA FinTech

Dr Maren Duvendack University of East Anglia (Re)framing Research

Professor Isabelle Guérin Institut de Recherche pour le Développement Gender

Fiona Jarden CARE International UK Gender

Dr Annette Krauss University of Zurich Microfinance 2030

Professor Robert Lensink University of Groningen Gender

Sam Mendelson Financial Inclusion Forum UK Microfinance 2030

Christoph Pausch European Microfinance Platform Conference Opening

Professor Ariane Szafarz CERMi, Université Libre de Bruxelles New Frontiers

Wei Wu University of Birmingham FinTech

Conference Speakers

5

Parallel Sessions - Detailed Programme

Monday June 12 (11:45-13:30)

Session 1.1 - Products (Room 1.67) - Moderator: Carolina Laureti, ULB and CERMI

Authors Presenter Affiliation Presenter Paper Title

Britta Augsburg, Bet Caeyers and Bansi Malde Britta Augsburg Institute for Fiscal

Studies, London, UK Are households credit constrained for preventive health investments (sanitation)?

Carolina Laureti and Mélanie Volral Mélanie Volral University of Mons,

Belgium Saving with Premeditation: How Poor City Dwellers in Bangladesh React to Access to Commitment Savings Accounts?

Michel Namé and Ph. Lebailly Michel Namé University of Liège,

Belgium Remittances: a Loan Funds for Rural Economy? Illustration from the Kayes Area (Western Mali)

Milagros Romero and Johan Bastiaensen

Johan Bastiaensen

University of Antwerp, Belgium

The role of Microfinance Plus in climate change mitigation and adaptation in rural territories: reflections based upon experiences on cattle and coffee regions of Nicaragua

Session 1.2 - MFI Practices (Room 1.51) - Moderator: Baptiste Venet, University Paris-Dauphine


Muluneh Hideto Dato Muluneh Hideto Dato

Université Libre de Bruxelles and CERMi, Belgium

Association between Social Performance Rating Scores and Governance Structure in Microfinance Institutions

Roy Mersland, Samuel Anokye Nyarko and Ariane Szafarz

Samuel Anokye Nyarko

Université Libre de Bruxelles and CERMi, Belgium

Mission Statements and Actions: Do Microfinance Institutions Walk the Talk?

Ahmad Nawaz, Arooj A. Akram and Asad Ghalib Ahmad Nawaz

COMSATS Institute of Information Technology, Lahore, Pakistan

Human Resource and the Social Performance of Microfinance: An Empirical Investigation

Cécile Godfroid and Laure Radermecker Cécile Godfroid

University of Mons and CERMi, Belgium

Staff Turnover and Productivity: The Case of Microfinance

Session 1.3 - Clients Practices (Room 1.44) - Bert D'Espallier, KU Leuven and CERMI


Olga Biosca, Rachel Baker, Cam Donaldson, Fatma Ibrahim, Tom Laxton and Neil McHugh

Olga Biosca Glasgow Caledonian University, UK

Financial management, microcredit and health: The Glasgow financial diaries

Titissari, Philip McCann, Niels Hermes and Viktor Venhorst

Titissari University of Groningen, Netherlands

How Differentiated Institutional and Geography Setting can Shape Household Financial Behaviour

Renaud Bourlès and Anastasia Cozarenco

Anastasia Cozarenco

Montpellier Business School, France and CERMi

Entrepreneurial Motivation and Business Performance: Evidence from a French Microfinance Organization

Francisco Bächler, Jann Goedecke and Roy Mersland

Francisco Bächler University of Agder, Norway

Multiborrowing and business growth in a microfinance market: a possible relationship?

Session 1.4 - Regulation (Room 1.66) - Moderator: Dirk Zetzsche, University of Luxembourg


Raian Divanbeigi and Rong Chen Rong Chen The World Bank

Group How can regulations promote financial inclusion?

Mark Hannam Mark Hannam University of London, UK Good Customer Service vs Bad Regulation

Juliana Siwale and Jonathan Kimmitt Juliana Siwale Nottingham Trent

University, UK The arrested success of microfinance institutions in Zambia

6

Session 1.5 - Strategies (Room 3.31a) - Moderator: Christopher King, Saint Louis University College


Stephen Zamore Stephen Zamore University of Agder, Norway

Should microfinance institutions diversify or focus: a global analysis

Knar Khachatryan, Valentina Hartarska, Vardan Baghdasaryan and Xuan Shen

Knar Khachatryan American University of Armenia

Deposit-taking vs lending-only MFIs in ECA: a PSM comparison of outreach and sustainability

Mayank Kumar Jain and Thelma Brenes Munoz

Thelma Brenes Munoz

Oikocredit, Netherlands

Do rural microcredit borrowers fare better in reducing poverty than urban borrowers?

Mitul Kathuria and Smridhi Khanna Mitul Kathuria FORE School of

Management, India Financial Inclusion and Pradhan Mantri Jan Dhan Yojana – A Critical Analysis and Way Forward

Session 1.6 - Performance (Room 3.31b) - Moderator: Leif Atle Beisland, University of Agder


Sara Díaz-P. Martín, José Manuel Feria-Dominguez and David Naranjo-Gil

Sara Díaz-P. Martín

University Pablo de Olavide, Seville, Spain

What drives financial performance of IMF's? Evidence from Argentina

Thu Trang Bui Thu Trang Bui Université Paris 13, France

Determinants of Financial Performance of Microfinance Institutions in Vietnam

Roy Mersland, Daudi Pascal Ndaki and Leif Atle Beisland

Roy Mersland University of Agder, Norway

The Origin of Chief Executive Officers and Performance in Hybrid Businesses: The Case of Microfinance

Surender Singh Surender Singh BPS Women University, India

Measurement of Technical Efficiency of Indian Microfinance Institutions

7

Monday June 12 (14:30 – 16:15)

Session 2.1 - Products (Room 1.67) - Moderator: Britta Augsburg, Institut of Fiscal Studies London


Temesgen Bela, Francesco Cecchi, Shubhashis Gangopadhyay and Robert Lensink

Francesco Cecchi University of Groningen, Netherlands

Improving trust and relaxing credit constraints to improve uptake of weather insurance: a randomized control trial in Ethiopia

Ana Marr, Anne Winkel, Marcel van Asseldork, Robert Lensink and Erwin Bulte

Ana Marr University of Greenwich, UK

Adoption and Impact of Index-Insurance and Credit for Smallholder Farmers in Developing Countries: A systematic review

Friederike Lenel and Susan Steiner Susan Steiner

Leibniz University of Hanover, Germany

Insurance and Solidarity: Evidence from a Lab-in-the-Field Experiment in Cambodia

Alain de Janvry, Carolina Laureti and Elisabeth Sadoulet

Carolina Laureti Université Libre de Bruxelles and CERMI, Belgium

Flexible Microfinance Products to Cope with Shocks: Evidence from SafeSave

Session 2.2 - Responsible lending (Room 1.51) - Moderator: Johan Bastiaensen, University of Antwerp


Marek Hudon, Marc Labie and Patrick Reichert

Patrick Reichert Université Libre de Bruxelles and CERMI, Belgium

Acceptable Profits and Surplus Distribution in Hybrid Organizations: Insights from Microfinance

Asad Ghalib and Tunyi Abongeh Asad Ghalib Liverpool Hope

Business School, UK Responsible lending, responsible investing: empirical evidence of microfinance and its use for entrepreneurial purposes

Philip Mader Philip Mader

Institute of Development Studies, University of Sussex, UK

Digital Financial Inclusion and the Crusade against Cash: Empowerment or Disempowerment for the Poor?

Oluwole Oridupa Oluwole Oridupa Leeds Beckett University, UK

Political Economy of Commercial Microfinance Institutions in Nigeria: Implication of Interest Bearing Credit on Micro Small and Medium Enterprises

Session 2.3 - Gender (Room 1.44) - Moderator: Anastasia Cozarenco, Montpellier Business School and CERMI


Israel Drori, Ronny Manos, Estefania Santacreu Vasut, Oded Shenkar and Amir Shoham

Estefania Santacreu Vasut

ESSEC Business School Paris, France Microfinance strategy to target women: an integrative approach

Mathilde Bauwin and Walid Jbili Mathilde Bauwin University Paris-

Dauphine, France The gender bias in microcredit allocation over time: persistence or decrease?

Vanessa Naegels, Annemie Van Cauter, Neema Mori and Bert D' Espallier

Vanessa Naegels KU Leuven, Belgium Determinants of Collateral Requirements for Women Owned Enterprises in Tanzania

Maria Isabel Cepeda Gonzalez, Maricruz Lacalle-Calderon

Maricruz Lacalle-Calderon

Universidad Autonoma Madrid, Spain

Microfinance as a Tool to Reduce Violence Against Women in Rural Guatemala

8

Session 2.4 - Markets (Room 1.66) - Moderator: Renatas Kizys, University of Portsmouth

Authors Presenter

Affiliation Presenter Paper Title

Sehrish Ehtisham and Ahmad Nawaz Ahmad Nawaz

COMSATS Institute of Information Technology, Lahore, Pakistan

External Environment and Performance of Microfinance: A Way Forward

Roy Mersland and Oysten Strøm Oysten Strøm

Oslo and Akershus University College, Norway

Competition and Financial Inclusion in Microfinance Institutions

Annabel Vanroose and Marek Hudon

Annabel Vanroose

University of Stellenbosch, South Africa and CERMi

Building sustainable and resilient financial systems for the previously unbanked: Identifying critical elements

Sanjay Jain Sanjay Jain University of Oxford, UK

Better together? An incentive-theoretic model of the decision to bundle microfinance with other services

Session 2.5 - Institutional Issues (Room 3.31a) - Moderator: Arvind Ashta, Université Bourgogne Franche-Comté, Burgundy School of Business – CEREN, and CERMi


Vitalie Bumacov, Arvind Ashta and Pritam Singh

Vitalie Bumacov Oxford Brookes University, UK

The joint use of credit scoring and poverty scoring in microfinance institutions - synergy or antagonism?

Linyang Li, Niels Hermes and Robert Lensink

Linyang Li University of Groningen, Netherlands

Depending on Social Context: The Signalling Effect of Households' Informal Indebtedness Level in Credit Bank Allocation

Cécile Godfroid Cécile Godfroid University of Mons and CERMi, Belgium

Relationship Lending in Microfinance: How Does it Impact Rural Client Dropouts?

Mathilde Maîtrot Mathilde Maîtrot The University of Manchester, UK

Understanding microfinance's impact in rural Bangladesh through the concept of 'practice drift'

Session 2.6 - Performance (Room 3.31b) - Moderator: Matthew Anderson, University of Portsmouth


Syedah Shan E Ahmad, Annika Mueller and Robert Lensink

Syedah Shan E Ahmad

University of Groningen, Netherlands

Outreach and Financial Performance of MFIs: A comparison between conventional and Islamic microfinance

Josué Lwanzo Lusambo

Josué Lwanzo Lusambo

Catholic University Bukavu, D. R. Congo

On the two-way or circular relationship between Corporate Reputation and Financial Performance in microfinance industry: a stakeholder approach

Javier Sierra Pierna Javier Sierra Pierna

University of Salamanca, Spain Key Determinants of Microfinance Efficiency

9

Tuesday June 13 (11:15 – 13:00)

Session 3.1 - FinTech (Room 1.67) - Moderator: Eun Young (EY) Oh, University of Portsmouth


Joe Cox, Thang Nguyen, Andy Thorpe, Alessio Ishizaka, Salem Chakhar and Liz Meech

Thang Nguyen University of Portsmouth, UK

Being Seen to Care: The effect of image consciousness on contributions to online pro-social crowdfunding campaigns

Jesús Manuel De Sancha-Navarro, María Dolores Oliver-Alfonso and Carlos Sanchís-Pedregosa

Carlos Sanchís-Pedregosa

University of Seville, Spain

Relationship between crowdfunding and microfinance: a theoretical approach

Toni Mora and Francesc Prior Francesc Prior

Universitat Internacional de Catalunya, Spain

The impact of mobile financial services’ usage on microfinance delinquency

Wei Wu Wei Wu University of Birmingham, UK Formation, Competition and Innovation of Fintech Firms in China

Session 3.2 - Group Lending and Social Capital (Room 1.51) - Moderator: Ahmad Nawaz, COMSATS Lahore


Supriya Garikipati and Jana Vyrastekova Supriya Garikipati University of

Liverpool, UK Social Ties and Informal Enforcement in Group Lending: Evidence from India

Abiola Babajide, Demola Obembe, Helen Solomon and Kassa Woldesenbet

Helen Solomon De Montfort University, Leicester, UK

Fostering Entrepreneurial Activities through Microfinance in Nigeria

Lucia Dalla Pellegrina, Angela De Michele, Giorgio Di Maio, Paolo Landoni and Susanna Parravicini

Lucia Dalla Pellegrina

University Milano Bicocca, Italy

Group meeting frequency and borrower's performance in microfinance: Evidence from a quasi natural experiment in South Africa

Abhay Joshi and Megumi Nishimura Abhay Joshi Kanazawa Seiryo

University, Japan

Impact of a Micro-Credit Group Lending Program and Characteristics of Loan Groups on Borrowers' Household Income: a Case Study of Aurangabad, Maharashtra state in India

Session 3.3 - Evaluation and Impact (Room 1.44) - Moderator: Robert Lensink, University of Groningen


Adriana Garcia, Robert Lensink and Maarten Voors

Adriana Garcia University of Groningen, Netherlands

Does microcredit reduce poverty and vulnerability? Evidence from Sierra Leone

Jonathan Fu Jonathan Fu University of Zurich, Switzerland

The Role of Local Business Environment on Microfinance Client Growth Outcomes: Evidence from Cambodia

Javier Sierra Pierna, Victoria Muriel Patino and Fernando Rodríguez López

Javier Sierra Pierna

University of Salamanca, Spain The Road Map of Microfinance Evaluation

Steffen Eriksen, Francesco Cecchi, Robert Lensink and Paul Mosley

Steffen Eriksen University of Groningen, Netherlands

The Impact of Microcredit: New Results from a Microfinance Institution in Bolivia

10

Session 3.4 - Europe (Room 1.66) - Moderator: Laura Vigano, University of Bergamo


Enrico Bellazzecca and Olga Biosca Enrico Bellazzecca

Glasgow Caledonian University, UK

Can microfinance regulation encourage mission drift: the Italian Case

Neil McHugh, Rachel Baker and Cam Donaldson

Neil McHugh Glasgow Caledonian University, UK

More than Money: Perceptions of microcredit for enterprise in the UK

Fabrizio Botti, Marcella Corsi and Carlo D'Ippoliti

Fabrizio Botti University of Perugia, Italy

Microfinance in Europe at a time of crisis: striking a balance between financial and social performance

Daniela Laurel-Fois and Hélène Laherre

Daniela Laurel-Fois

Lille Catholic University, France

On Microfinance Identity Crisis: The Commercialization Trend and the New Western European Movement

Session 3.5 - MFI Funding (Room 3.31a) - Moderator: Davide Castellani, University of Bergamo


Marek Hudon, Patrick Reichert and Ariane Szafarz

Patrick Reichert Université Libre de Bruxelles and CERMI, Belgium

Public Subsidies and Private Donations: A Typology and Application to Microfinance

Laure Radermecker Laure Radermecker

University of Mons and CERMi, Belgium

Microfinance Investment Vehicles and Rural Sector Funding

Daudi Pascal Ndaki, Leif Atle Beisland and Roy Mersland

Leif A. Beisland University of Agder, Norway Capital structure and CEO tenure in microfinance organizations

Tania Lopez Urresta Tania Lopez Urresta

Frankfurt School of Finance and Management, Germany

Institutional Characteristics and the Choice of Debt in Microfinance Institutions

Session 3.6 - Performance (Room 3.31b) - Moderator: Annabel Vanroose, University of Stellenbosch and CERMI


Sara Biancini, David Ettinger and Baptiste Venet

Sara Biancini University of Caen Normandy, France Mission Drift in Microcredit and Microfinance Institutions Incentives

Kwame Ohene Djan, Roy Mersland, Leif Atle Beisland, Linda Nakato and Samuel Anoke Nyarko

Kwame Ohene Djan

University of Agder, Norway

The impact of international ownership on the performance of microfinance institutions: a global survey

Annette Krauss Annette Krauss University of Zurich, Switzerland

Performance of Microfinance Institutions in a Tier Perspective: Drivers of Quality, Client Outreach and Growth

Muluneh Hideto Dato, Marek Hudon and Roy Mersland

Muluneh Hideto Dato

Université Libre de Bruxelles and CERMI, Belgium

Board Governance among Cooperative, Nonprofit and Shareholder Owned Microfinance Institutions: Does one structure fit all?

11

Wednesday June 14 (9:30 – 10:45)

Session 4.1 - Products (Room 1.67) - Moderator: Olga Biosca, Glasgow Caledonian University


Djamchid Assadi and Christopher King

Christopher King

Saint Louis University College for Public Health and Social Justice, USA

Social Innovation of Peers Based Compliance: Three Cases of Developing Sustainable Community Water Systems from the Dominican Republic

Camille Meyer Camille Meyer Université Libre de Bruxelles and CERMi, Belgium

Building New Commons on Community Institutions: The Case of Self-Managed Microfinance Organizations

Patricia Richter and Sophie De Coninck

Patricia Richter International Labour Institute (ILO)

Responsible finance and child labour: quo vadis microfinance?

Session 4.2 - Clients Indebtedness (Room 1.51) - Moderator: Anton Simanowitz, Social Performance Solutions


Francisco Bächler, Jann Goedecke, Roy Mersland and Bert D'Espallier

Jann Goedecke University of Agder, Norway

Do multiple bank relationships push borrowers into indebtedness? Evidence from a microlending market

Miriam Matzanke, Ana Marr and John Orchard

Ana Marr University of Greenwich, UK

Cross-borrowing and its impact on micro-entrepreneurs’ indebtedness and well-being in Lima, Peru

Thanawit Bunsit Thanawit Bunsit University of Bath, UK Repayment and Wellbeing of Borrowers in Rural Thailand

Session 4.3 - Gender (Room 1.44) - Moderator: Maricruz Lacalle-Calderon, Universidad Autonoma de Madrid


Chandralekha Ghosh and Samapti Guha

Chandralekha Ghosh

West Bengal University, India Role of Gender on Indian Microfinance Institutions Performance

Fozan Fareed, M. Gabriel, P. Lenain and J. Reynaud

Fozan Fareed University Paris-Est, France, OECD

Financial Inclusion and Women Entrepreneurship: Evidence from Mexico

Felicia Kyrk Felicia Kyrk University of Cape Town, South Africa

A Comparative Study on Women's Human Rights and Economic Empowerment: What are the implications of the current legislation and practices relating to microfinance in Bangladesh and Zambia for the rights of women?

Session 4.4 - Country Case Studies (Room 1.66) - Moderator: Frances Sinha, M-CRIL/EDA


Nargiza Alimukhamedova

Nargiza Alimukhamedova

CERGE-EI, Charles University, Czech Republic

Closing Non-Bank Microfinance Sector: Does it Make Any Impact?

Knar Khachatryan and Emma Avetisyan

Knar Khachatryan American University of Armenia

Microfinance Development in Armenia: Sectoral Characteristics and Problems

Satish Pillarisetti Satish Pillarisetti

SA-DHAN – Assoc. of Community Development Finance Institutions, India

Are MFIs metamorphosing into Business Correspondents in India?

12

Session 4.5 - MFI Funding (Room 3.31a) - Moderator: Gregor Dorfleitner, University of Regensburg


Bert D' Espallier, Marek Hudon and Ariane Szafarz

Bert D' Espallier KU Leuven and CERMi, Belgium Donate More to Less or Less to More? Insights from Microfinance

Gregor Dorfleitner, Eva-Maria Oswald and Michaela Röhe

Eva-Maria Oswald University of Regensburg, Germany

The access of microfinance institutions to financing via the worldwide crowd

Carsten Kuisat and Christopher Priberny

Christopher Priberny

Deutsche Bundesbank University of Applied Sciences, Germany

Why do microfinance institutions use foreign currency debt?

Session 4.6 - Institutional Issues (Room 3.31b) - Moderator: Joe Cox, University of Portsmouth


Roy Mersland, Daudi Pascal Ndaki and Leif Atle Beisland

Daudi Pascal Ndaki

University of Agder, Norway

The influence of CEO power on agency costs in non-profit organizations: Evidence from the global microfinance industry

Claudia Savarese Claudia Savarese Université Libre de Bruxelles and CERMi, Belgium

Theorizing tensions in social enterprises - corporate collaborations

Asif Aftab Kalam Asif Aftab Kalam Birkbeck College London, UK

Adapting the Grameen Model in the US Context: Institutional Complexity

Parallel Sessions by Stream

Streams Monday morning Monday afternoon Tuesday morning Wednesday morning

Products, Processes and Innovation

1.1 Products - Room 1.67 1.2 MFI Practices - Room 1.51

2.1 Products - Room 1.67 3.1 FinTech - Room 1.67 3.2 Social Capital - Room 1.51

4.1 Products - Room 1.67

Clients and Social Performance

1.3 Clients Practices - Room 1.44

2.2 Responsible lending - Room 1.51 2.3 Gender - Room 1.44

3.3 Evaluation and Impact - Room 1.44

4.2 Clients Indebtedness - Room 1.51 4.3 Gender - Room 1.44

Markets and Regulation

1.4 Regulation - Room 1.66 2.4 Markets - Room 1.66 3.4 Europe - Room 1.66 4.4 Country Case Studies

- Room 1.66

Institutions, Strategies and Performance

1.5 Strategies - Room 3.31a 1.6 Performance - Room 3.31b

2.5 Institutional Issues - Room 3.31a 2.6 Performance - Room 3.31b

3.5 MFI Funding - Room 3.31a 3.6 Performance - Room 3.31b

4.5 MFI Funding - Room 3.31a 4.6 Institutional Issues - Room 3.31b

13

14

Social Events & Local Map

Sunday 11 June Pre-Conference Welcome Drink at “Abarbistro” (58 White Hart Rd, Portsmouth PO1 2JA) We invite delegates to join us for a pre-conference welcome drink from 20.00 at Abarbistro one of Portsmouth and Southsea’s leading restaurants to relax and catch up with colleagues and friends as well as making new contacts before the conference starts officially on the Monday. Monday 12 June Evening Barbeque at The Waterhole Bar from 19.00 with food served from 19.30-20.30 (Student Centre, Cambridge Road, Portsmouth PO1 2EF) We hope you enjoy the barbeque and the traditional games that will be on offer! Tuesday 13 June – Please bring Photo ID Networking Evening at Boathouse 4 in Portsmouth Historic Dockyard (Victory Gate, HM Naval Base, Portsmouth PO1 3LJ). The Formal opening of the event will take place at 19.30 followed by food and drink. Guests will be welcomed by members of the Financial Inclusion Forum UK with entertainment provided by Music Fusion.

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Useful Information Wifi Guest WiFi codes will be printed on the back of the name badge for you to enjoy the unlimited use during your time here. However if you have any problems with your WiFi please speak to a member of our team, who will be happy to help. Secure luggage storeroom A dedicated storeroom will be provided for all guests to leave bags etc, please speak to a member of staff for assistance. Transport Please note that transport will not be provided between the conference venue and evening events which are within a short walking distance of Portsmouth Business School. Uber (www.uber.com/en-GB/ride/) is readily available in Portsmouth and two local taxi companies, Aqua Cars and City Wide Taxis, both offer Apps that are downloadable. Alternatively the taxi companies can be contacted on the following numbers: Aqua Cars: +44 (0)23 9265 4321 – www.aquacars.co.uk City Wide Taxis: +44 (0)23 9283 3333 – www.citywidetaxis.co.uk Shopping Set in a cultural harbour front location in the heart of Portsmouth, Gunwharf Quays is the South of England’s leading designer shopping outlet boasting over 90 stores, and over 30 restaurants, bars and coffee shops. Restaurants There is a wide choice of restaurants in Portsmouth that cater for most dietary requirements. If you require any assistance please let us know. Further information can be found at www.visitportsmouth.co.uk/food-and-drink Given that the conference is taking place during Ramadan, we have identified the following restaurants as offering halal dishes: “Ultimate Taste” (fast food) Located directly opposite entrance to University Library (corner of Cambridge Road and Burnaby Road) Haldi, Bangladeshi & Indian Cuisine 93Albert Road, Southsea, Portsmouth PO5 2SG http://www.haldi-portsmouth.co.uk/menu/ Roosters Piri Piri, Lebanese & Mediterranean Cuisine R13, Gunwharf Quays, Portsmouth PO1 3TZ https://gunwharf-quays.com/food-and-drink/roosters-piri-piri Multi-faith Prayer Room A dedicated prayer room is available in the conference venue (Portland Building). Please speak to a member of our reception team who will be happy to help.

http://www.haldi-portsmouth.co.uk/menu/

https://gunwharf-quays.com/food-and-drink/roosters-piri-piri

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Acknowledgments We shared the pleasure and excitement of exploring the conference preparations with a number of organisations and people who we would like to acknowledge here:

• The CERMi team Marc, Ariane and Marek who kept us sane on a regular basis in helping steer the direction of the conference;

• Anne-Lise, Aurelie and Laurie at ULB and UMons for dealing with numerous little queries;

• The European Microfinance Platform with Daniel, Christoph, Niamh, Camille and Gabriela for their patience and many collaborative suggestions;

• The European Microfinance Platform also for their generous sponsorship of the conference and the Best PhD Paper Award;

• ADA Microfinance for supporting the participation of Kimanthi Mutua; • The Financial Inclusion Forum UK for their illuminative events in London and

for welcoming opportunities to promote the event together; • lendwithcare for supporting the participation of Dr Amjad Saqib; • Jinx for his creativity in 3-D printing the gifts for parallel session moderators; • Music Fusion and their team for performing at our networking evening; • Michael Buchan for bringing Jinx, Music Fusion and us together; • Our Scientific Committee for their time spent as reviewers and in adjudicating

our Best PhD Paper Award; • Arvind, Marek, Marc, Isabelle and Ajaz for co-ordinating our plenary panels; • Our moderators both in plenary and parallel sessions for their courageous

time-keeping; • Our many speakers and presenters for agreeing to be involved; • The many networks that disseminated information on the conference including

Microfinance Gateway, the European Microfinance Network and the Microfinance Centre;

• Mike Hogan at Enterprise Ireland for introducing Aid:Tech • The Afonso and O’Connor families for not asking too many questions.

And last but not least, our many supportive colleagues at Portsmouth Business School without whose support, this event would simply not have been possible: Alan Tait, Andy Thorpe, Andreea Molnar, Ankur Shah, Ant Harrison, Benedict Kalus, Daniel Smith, David Goodwin, David Thompson, Dechuan Li, Eliana Linares-Gonzales, Eric de Greef, Georgie Edwards, Gioia Pescetto, Jaimes Ede, Kieran Young, Lisa Campbell, Madeline Morton, Mandy McCartney, Margaret Yarr, Michael Buchan, Nicola Bown, Peter Hooley, Pierandrea Guarnieri, Richard Simpson, Sanam Ammari, Sharman Rogers, Sharon Beech, Yi-Ling Lai, and all their respective teams. We appreciate very much your ongoing support and look forward to having the opportunity together sometime again.

Thank You to Our Sponsors

Thank You to Our Supporters

6th European Research Conference on Microfinance 2019

Host University Required! Are you interested?

If so, please email Christoph Pausch: [email protected]

University of Portsmouth Business School, Richmond Building, Portland Street,

Portsmouth, PO1 3DE.

mailto:[email protected]

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