8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 1/22

Sample Research Proposal

Research Question to Data Analysis

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 2/22

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 3/22

Research Issue

Micro Finance is the buzz word in µFinance¶ these days.

Many National and international level Micro FinanceInstitutions are doing appreciable job.

Basic Difference between MFI and other FI ± Clientele isdifferent

So, Measures of ³Financial Efficiency´ must be different.

What are the measures of F.E of MFI?

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 4/22

Research GapMajor MFIs at National Level are aware of measures of their financial efficiency.

What about MFIs at Indore?

Do they measure their efficiency in the same way?

Are they actually aware of these 21 parameters to measure their efficiency?

What are the factors affecting awareness towards ³FinancialEfficiency´ of MFIs in Indore?

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 5/22

Research Questions

What are measures of µfinancial efficiency¶ for MFIs?

What are the measures of µfinancial efficiency¶used by MFIs in Indore?

What are the factors that affect the use/awareness of measures of µfinancial efficiency¶?

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 6/22

O bjectives

Finding parameters for measuring µFinancial Efficiency¶

Identifying the parameters of measuring µFinancial

Efficiency¶ used by MFIs in Indore.

Identifying whether, following factors make a differencein the usage of various parameters for measuring

µFinancial Efficiency¶:- ± Size, Experience, Mode of Lending, Mode of Funding, type of

MFI

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 7/22

Concepts and their operationalisation

Financial Efficiency of MFI ±

Size ±

Experience ±

Mode of Lending ±

Mode of Funding ±

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 8/22

Concepts Variables

Financial Efficiencyactive

borrowers

comparativeperformanceover years of

operation

O perationalSelf

Sufficiency

Asset

QualityNPA¶s

Loansoutstandin

gReturnon

Asset

Profit

Margin

Portfolio

yield

Debt /NetWorth

leverageposition

savings

O peratingexpenses /

financialexpenses.

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 9/22

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 10/22

HypothesisH1 ± There is no significant difference between MFI¶s of differentnumber of active borrowers with respect to their measures of µFinancial Efficiency¶H2± There is no significant difference between MFI¶s of differentamount of lending with respect to their measures of µFinancialEfficiency¶H3 ± There is no significant difference between MFI¶s of differentamount of lending with respect to their measures of µFinancialEfficiency¶H4 - The measure of financial efficiency is significantly independentof the lending model followed by the MFI.

Identifying factors considered important for measuring µFinancialEfficiency¶

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 11/22

Designing Questionnaire

Self HelpGroup

Number of Borrowers

Size

Total Amount

Lent

Experience

Years of functioning

Mode of

Lending

Joint Liability

Mode of Funding

Pvt. Bank,Public Bank

etc.

- Part 1 of Questionnaire

- 6 variables

- Nominal level

-Used to form groups inthe sample

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 12/22

Financial Efficiencyactiveborrowers

comparativeperformance over years of operation

O perational Self Sufficiency

AssetQualityNPA¶s

Loansoutstanding

Returnon Asset

ProfitMargin

Portfolioyield

Debt /NetWorth

leverageposition

savings

O peratingexpenses /

financialexpenses.

- Part 2 of Questionnaire

-21 variables to measure financial efficiency

- Scale Level (Dichotomous scale ±Very Frequently to Never)

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 13/22

Questionnaire

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 14/22

Population & SampleP opulation - All of the following bodies in Indore :-

The NG O ¶s, NFP- MFI¶S- Societies, trusts, Nonprofit companies.

Mutual benefit MFI¶S- Cooperatives, Cooperativesocieties.For profit MFI¶S- NBFC¶s, Producer companies,Local area banks

Sampling ± Non Probability, cluster samplingideal, (convenience sampling)

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 15/22

Proposed Statistical Analysis

H1, H2, H3 ± Step O ne ± Do descriptive analysis ± Step Two ± See frequency distribution ± If normal,

then z test . O R McNemar Test.H4 ± Step O ne ± Same as above ± Step Two ± Chi Square test ( for strength of

association between variables)

Factor Analysis ± to identify significant factors

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 16/22

Data Collection & Coding

Nominal DataScaled Data

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 17/22

Expected O utcome

The prominent parameters used by MFIs tomeasure the µFinancial Efficiency¶

A detailed understanding of µfinancial efficiency¶measures for MFIs in Indore in terms of variables like Size, Experience, Mode of Lending,Mode of Funding, type of MFI

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 18/22

Utility of findings

The research can be useful for MFIs to create anawareness of µFinancial Efficiency¶.

The research can be useful for MFIs to becomeself sustaining.

The research can be useful for improving theoperational efficiency of MFIs and therebypassing on the benefit to lower income class of Indian economy.

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 19/22

Limitations

Generalizability of findings is questionabledue to

± Small Sample ± Non Probablistic Sampling technique ± Understanding of µfinancial terms¶ is difficult

for the respondents

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 20/22

Scope for further research

Improving the operating efficiency of MFIs

Training the MFI personnel for better watchingthe µFinancial Efficiency¶

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 21/22

Bibliography

8/8/2019 Research Question to Data Analysis

http://slidepdf.com/reader/full/research-question-to-data-analysis 22/22

The End