التوسع في التمويل الأصغر كمدخل لتعزيز الاستدامة المالية للبنوك التجارية دراسة حالة البنك الأهلي المصري

Expanding microfinance as an approach to enhancing the financial sustainability of commercial banks: A case study of the National Bank of Egypt

الملخص

This study focuses on the potential prospects for commercial banks in the microfinance market, with the aim of capitalizing on the vast opportunities it offers, particularly given that nearly three billion people worldwide remain excluded from formal banking services. Despite the theoretical and practical differences between microfinance mechanisms and those traditionally employed by commercial banks, a number of banks have begun to enter the microfinance market as an effective tool for mitigating risk and spreading it across a broad customer base.

Moreover, microfinance enables commercial banks to achieve high levels of profitability, as empirical evidence indicates that its returns may reach, at a minimum, twice those generated by the most profitable conventional banking products. Over the past two decades, the microfinance industry has demonstrated that its clients are not only highly committed to meeting their repayment obligations but also exhibit strong loyalty to lending institutions, frequently renewing their loans over successive cycles.

From the perspective of financing institutions, microfinance operations have consistently achieved high profitability levels and acceptable degrees of financial sustainability, particularly when these institutions transition toward commercial operations while simultaneously fulfilling their social role, thereby achieving a balance between economic viability and social development objectives