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Abstract：
Irrespective of the promising opportunity to improve profit efficiency by at least 73%, microfinance institutions operating in Sub-Saharan Africa are efficient only for 27%, far below the average value. The conclusion is drawn after analyzing the profit efficiency of the microfinance institutions using the stochastic frontier approach applied to data obtained from 128 microfinance institutions operating in 34 Sub-Saharan African countries. The study results suggest the presence of uniform profit efficiency experience across time among microfinance institutions. Microfinance institutions operating in low-income countries and credit union form microfinance are economically more efficient than their counterparts. Furthermore, the profit efficiency of microfinance institutions is significantly affected by total assets, cost per loan, loan per staff, legal status, and the county\'s income group of microfinance. Notably, the profit efficiency of microfinance institutions is adversely affected by the presence of female borrowers and female loan officers suggesting that gender diversity plays a role in the efficiency of microfinance institutions. Finally, we recommend that the managing body of microfinance work more on improving labor efficiency, earning asset utilization, loan collection efficiency, women\'s involvement and the hottest technology implementation.
摘要：
无论是否有机会将利润效率提高至少73%，在撒哈拉以南非洲运营的小额信贷机构的效率仅为27%，远低于平均值。结论是在使用随机前沿方法分析小额信贷机构的利润效率之后得出的，该方法应用于从34个撒哈拉以南非洲国家的128个小额信贷机构获得的数据。研究结果表明，小额信贷机构之间存在跨时间的统一利润效率经验。在低收入国家经营的小额信贷机构和信用合作社形式的小额信贷在经济上比同行更有效率。此外，小额信贷机构的利润效率受到总资产的显著影响，每笔贷款成本，每位员工的贷款，法律地位,和该县小额信贷的收入群体。值得注意的是,女性借款人和女性贷款官员的存在对小额信贷机构的利润效率产生了不利影响，这表明性别多样性在小额信贷机构的效率中起着作用。最后,我们建议小额信贷的管理机构更多地致力于提高劳动效率，赚取资产利用率，贷款收取效率，女性的参与和最热门的技术实施。
