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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
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8/8/2019 Research Question to Data Analysis
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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
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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
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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
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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
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Concepts and their operationalisation
Financial Efficiency of MFI ±
Size ±
Experience ±
Mode of Lending ±
Mode of Funding ±
8/8/2019 Research Question to Data Analysis
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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.
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8/8/2019 Research Question to Data Analysis
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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
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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
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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
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Questionnaire
8/8/2019 Research Question to Data Analysis
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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
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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
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Data Collection & Coding
Nominal DataScaled Data
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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
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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
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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
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Scope for further research
Improving the operating efficiency of MFIs
Training the MFI personnel for better watchingthe µFinancial Efficiency¶
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Bibliography
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The End