id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
abr-61	Schäfer, Kai; Fukasawa, Yoshi	Factors Determining the Operational Self-Sufficiency Among Microfinance Institutions	2011	7	.pdf	application/pdf	3789	216	55	The variable X6 represents the ratio of deposits to gross loan portfolio of an MFI. It is hypothesized that a higher deposit to loan portfolio ratio leads to a lower OSS, because a higher amount of deposits to loan portfolio reduces the opportunity to make revenues through interest earnings on loans, giving the negative sign for the coefficient.	cache/abr-61.pdf	txt/abr-61.txt