Publications

Books and chapters published published

Arvind Ashta

Advanced Technologies in Microfinance: Solutions and Challenges

edited by Arvind Ashta, IGI-Global 2011.

The book has 18 chapters on MIS, mobile banking, online lending and other technologies for microfinance in developed and developing countries. It includes also chapters written by:

 - Ashta, A. & Assadi, D.: Do Social Cause and Social Technology Meet? Impact of Web 2.0 Technologies on peer-to-peer lending transactions;

 - Assadi, D. & Hudson, M.: Marketing Analysis of emerging Peer-to-peer markets on the Internet: A case of Online Peer-to-Peer Lending Websites;

 - Khan, S.: Automating MFIs: How Far Should We Go?;

 - Simbaqueba, L., Salamanca, G. & Bumacov, V.: The Role of Credit Scoring in Micro Lending;

 - Estapé-Dubreuil, G. & Torreguitart-Mirada, C.: Information Technology and Microfinance in Developed Countries: The Spanish Case, with a Focus on Catalonia;

Hudon, M. (2011): Ethics in Microfinance in Armandariz, B. & Labie, M. ed. The Handbook of Microfinance, World Scientific Publishing, Singapore;

Balkenhol, B. & Hudon, M. (2011): Efficiency in Armandariz, B. & Labie, M. ed. The Handbook of Microfinance, World Scientific Publishing, Singapore;

Attuel-Mendès, L. (2011): Microcrédit et religion: complémentarité ou incompatibilité?, in Bachet, D. & Naszalyi, P. ed. L’autre finance, existe-t-il des alternatives à la banque capitaliste? Éditions du Corquant.

 
Academic publications

Ashta, A. & De Selva, R. (2011): Religious Practice and Microcredit: Literature Review and Research Directions, Postmodern Openings 2(8), pp 33-44;

Constantinou, D. & Ashta, A. (2011): Financial Crisis: Lessons from Microfinance, Strategic Change: Briefings in Entrepreneurial Finance, Vol 20, Issue 5-6, pp 187-203;

Ashta, A. & Otto, P. (2011): Project Valuation in the presence of loss aversion during economic crises, Strategic Change: Briefings in Entrepreneurial Finance, Vol 20, Issue 5-6, pp 171-186;

Constantinou, D. & Ashta, A. (2010): Comment la microfinance surmonte-t-elle les crises financières et économiques? Techniques Financières et Développement, N° 99, pp 31-44;

Assadi, D. & Hudson, M. (2010): Marketing-Mix of Online Social Lending Websites, Journal of Electronic Commerce in Organizations, JECO, Vol. 8, No. 3;

Johnson, S., Ashta, A & Assadi D. (2010): Online or Offline? The Rise of "Peer-to-Peer" Lending in Microfinance, Journal of Electronic Commerce in Organizations, Jul-Sep2010, Vol. 8 Issue 3, pp 26-37;

Ashta, A. (2010): Guest Editorial Preface: With Some Directions for Future Research in Microfinance and Technology, Journal of Electronic Commerce in Organizations, Vol. 8 Issue 3, pp i-iii;

Ashta, A & Assadi D. (2010): An analysis of European online micro-lending websites, Innovative Marketing, Vol. 6, Issue 2, pp 7-17;

Ashta, A. (2010): Guest Editorial Preface: A Brief Introduction to Microfinance and Technology, Journal of Electronic Commerce in Organizations, Vol. 8 Issue 2, pp i-iii;

Ashta, A. & Bush, M. (2009): Ethical Issues of NGO Principals in Sustainability, Outreach and Impact of Microfinance: Lessons in Governance from the Banco Compartamos’ IPO, Management Online Review, vol. November, pp 1-18;

Ashta, A. (2009): Micro-credit Capital Flows and Interest Rates: An Alternative Explanation, Journal of Economic Issues, September 2009;

Allaire, V., Ashta, A., Attuel-Mendes, L. & Krishnaswamy, K. (2009): The Success of Moroccan Microfinance Institutions: More than just culture? Euro-Mediterranean Economics and Finance Review, vol. 2, June 2009;

Ashta, A. (2009): Review of the book “Creating a World Without Poverty: Social Business and the Future of Capitalism”, by Mohammed Yunus (with Karl Weber), Journal of Economic issues, March 2009, pp 289-290;

Assadi, D. & Ashta, A. (2009): How do People Trust on Peer-to-Peer Lending Websites? Analysis of the Impacts of the Web 2.0 Technologies and Intermediation Roles. In Gera, R. (ed). Advances in Technology and Innovation in Marketing. MacMillan Publishers India Ltd, Delhi, pp 49-69;

Attuel-Mendes, L. & Ashta, A. (2008): French Usury Legislation And The Development Of Credit Availability For Microenterprise, Global Journal of Business Research, Volume 2, No 2, pp 123-137.

 
Professional publications

Ashta, A. & Patel, J. (2011): Is SaaS the Appropriate Technology for Microfinance, Microdinero, December 02, 2011;

Ashta, A. (2011): Riskebiz: Co-Creating Value in the Investment Chain to Combine Finance and Technology to Enable the Poor to Get Out of Poverty, IGI Global Blog;

Ashta, A. (2011): How can technology co-create value for Microfinance investors? Microfinance Focus;

Attuel-Mendes, L. (2010): Report: T2 Teaching Tutoring – Intelligent Agents to customize lifelong learning pathways in microfinance sector, Microfinance Focus;

Attuel-Mendes, L. (2010): Compte-rendu: Projet T2 enseignement tutoré – outils intelligents pour personnaliser la formation continue en microfinance, blog de Babyloan.org, septembre 2010;

Ashta, A., Chalamon, C. & Demay, I. (2010): A short History of Microfinance in Togo, Microfinance Focus, Sept 2010;

Attuel-Mendes, L. (2010): Religion et microcrédit : toujours incompatibles?, blog de Babyloan.org, juillet 2010;

Attuel-Mendes, L. (2010): Is religion compatible with microfinance? Microfinance Focus, July 2010;

Ashta, A. (2010): La microfinance ignore la crise, Tribune, April 3, 2010;

Ashta, A. & Attuel-Mendes, L. (2010): Report: Microfinance research workshop CEREN-CERMi, Microfinance Focus, March 2010;

Ashta, A. (2010): An account of the Microfinance and New Technology summit in Marrakech, Microfinance Focus, March 2010;

Ashta, A. & Assadi, D. (2010): Rang De and online lending in India, Microfinance Focus, February 2010;

Ashta, A. (2009): Africa prefers microfinance route to reach Millennium goal, Microfinance Focus, July 2009.

 
Papers presented at academic conferences

Attuel-Mendès, L., Ashta A. & Picm E. (2011): Microcrédit et religions : regards croisés. Colloque Management & Religions, Strasbourg, France;

Ashta,A., Khan, S. & Otto, P. (2011): Does Microfinance cause or reduce suicides: The need for support groups for males. Second European Research Conference on Microfinance, Groningen, the Netherlands;

Ashta, A., Khan, S. & Otto, P. (2011): Does Microfinance cause or reduce suicides: Policy recommendations to reduce borrower stress. 2nd Joint Research Conference of the Burgundy School of Business and Oxford Brookes University Business School, Dijon, France;

Ashta, A. & Patel, J. (2011): Is SaaS the Appropriate technology for Microfinance? 2nd Joint Research Conference of Burgundy School of Business and Oxford Brookes University Business School, Dijon, France;

Ashta, A., Khan, S. & Otto, P. (2011): Stress of Microfinance Borrowers. International Conference on Stress: Health, Society and Technology (ICONS-HST), New Delhi, India;

Nyapati, N.V. & Ashta, A. (2011): The Role of Technology in the Diffusion of Microfinance. EABIS Symposium on Corporate Responsibility and Innovation, Dijon, France;

Ashta, A., Dayson, K., Gera, R. Hettihewa, S. Krishna, N.V. & Wright, C. (2011): Microfinance as a Social Innovation. EABIS Symposium on Corporate Responsibility and Innovation, Dijon, France;

Ashta, A. (2011): CSR in a SaaS for Microfinance Environment. Symposium on Corporate Responsibility and Innovation, Dijon, France;

Assadi, D. & Alia, H. (2011): Featuring loans with social collaterals: The role of Reference Trust Groups, EABIS Symposium on Corporate Responsibility and Innovation, Dijon, France;

Attuel-Mendès, L. (2011): Is microcredit a real innovation? Twenty Third Asian-Pacific Conference on International Accounting Issues, Beijing, China;

Attuel-Mendès, L. (2011): Le microcredit est-il réellement une innovation? EABIS Symposium on Corporate Responsibility and Innovation, Dijon, France;

Alia, H. (2011): Assessing Societal Performance of Microfinance From The Angle Of Shared Value Creation. Second European Research Conference on Microfinance, Groningen, the Netherlands;

Bumacov, V., Constantinou, D. & Cherkas, M. (2011): Management information systems (mis)satisfaction in microfinance: guideline in choosing the appropriate system. Contemporary Microfinance: Institutions, Policies, and Performance, Cairo, Egypt;

Bumacov, V. & Ashta, A. (2011): The conceptual framework of credit scoring from its origins to microfinance. Second European Research Conference on Microfinance, Groningen, the Netherlands;

Khan, S. (2011): CSR by Microfinance Institutions: Operating in Unsustainable Waters? ABIS Symposium on Corporate Responsibility and Innovation, Dijon, France;

Attuel-Mendes, L. (2010): Microcrédit et religion: complémentarité ou incompatibilité ?, IIIè colloque du DEUST Travail social: Existe-il des alternatives à la banque capitaliste? ou “Raiffeisen réveille-toi, ils sont devenus fous!”, Evry, France;

Attuel-Mendes, L., Ashta, A. & Ditter, J-G. (2010): La réforme de la législation française en matière d’usure, facilite-t-elle l’accès au crédit des micro-entreprises? IIIè colloque du DEUST Travail social: Existe-il des alternatives à la banque capitaliste? ou “Raiffeisen réveille-toi, ils sont devenus fous!”, Evry, France;

Assadi, D. & Ashta, A. (2010): Governance of Trust in P2P Lending Websites, 3rd conference on Governance in Microfinance, Groningen, The Netherlands;

Ashta, A. (2010): La RSE dans l'ère de l’information: Appliqué au SaaS en Microfinance, Innovations 2010, Paris, France;

Assadi D. & Ashta A. (2010): P2P Interaction Orientation and Brand Value Building in Online Social Lending Startups, 6th International Conference of the Academy of Marketing’s Brand, Identity and Corporate Reputation Special Interest Group, Barcelona, Spain;

Ashta, A. & Rani, M. (2010): Evolution of Mobile Banking Regulation, Journée de recherché CEREN-CERMi, Dijon, France;

Attuel-Mendes, L. (2010): Microcrédit et religion: complémentarité ou incompatibilité? Journée de recherché CEREN-CERMi, Dijon, France;

Assadi, D. & Ashta, A. (2010): P2P Interaction Orientation and Brand Value Building in Online Social Lending Startups, Institutional and Technological Environment for Microfinance, New Delhi, India;

Assadi, D. & Ashta, A. (2010): Should online Micro-lending be for profit or for philanthropy? DhanaX and Rang De, Institutional and Technological Environment for Microfinance, New Delhi, India;

Attuel-Mendes, L. (2010): Microcredit and religion: complementarity or incompatibility? Institutional and Technological Environment for Microfinance, New Delhi, India;

De Selva, R. & Ashta, A. (2010): Religious practice and micro-credit in West Bengal (India), Institutional and Technological Environment for Microfinance, New Delhi, India;

Assadi, D. & Ashta, A. (2009): P2P Interaction Orientation and Brand Value Building in Online Social Lending Startups, CERMI Research Workshop, Mons, Belgium;

Ashta, A. & Raimbault, S. (2009): Business Perceptions of the New French Regime on Auto-Entrepreneurship: A Risk-Taking Step Back From Socialism, 21st Asian-Pacific Conference on International Accounting Issues, Paris, France;

Ashta, A & Assadi D. (2009): Online lending in India, University Meets Microfinance, Berlin, Germany;

Ashta, A. & Fall, N.S. (2009): Institutional Analysis to understand the growth of Microfinance Institutions in West African Economic and Monetary Union, 4th African Microfinance Summit, Ouagadougou, Burkina Faso;

Ashta, A. & Assadi, D. (2009): Generating brand value in online Microfinance startups, 6th International Conference of the Academy of Marketing’s Brand, Identity and Corporate Reputation Special Interest Group, Barcelona, Spain;

Hudon, M. & Ashta, A. (2009): Microfinance Interest Rates: Are fair prices derived from basic principles of justice? Governance in Microfinance, Kristiansand, Norway;

Ashta, A & Assadi, D. (2009): Do Social Cause and Social Technology Meet? Impact of Web 2.0 Technologies on peer-to-peer lending transactions in general and microfinance in particular, The First European Research Conference on Microfinance, Brussels, Belgium;

Allaire, V., Ashta, A., Attuel-Mendes, L. & Krishnaswamy, K. (2009): Institutional analysis to explain the success of Moroccan Microfinance Institutions, The First European Research Conference on Microfinance, Brussels, Belgium;

Ashta, A & Assadi, D. (2009): Analysis of European Online micro-lending Websites, 6th Annual Conference of the European Microfinance Network, Milan, Italy;

Attuel-Mendes, L. & Ashta, A. (2009): The truth, but not always the Whole Truth in Lending Laws, 5th International Finance Conference, Hammamet, Tunisia;

Allaire, V., Ashta, A., Attuel-Mendes, L. & Krishnaswamy, K. (2009): The Success of Moroccan Microfinance Institutions: More than just culture? 5th International Finance Conference, Hammamet, Tunisia;

Assadi, D. & Ashta, A (2009): How do People Trust on Peer-to-Peer Lending Websites? Analysis of the Impacts of the Web 2.0 Technologies and Intermediation Roles, 2nd International Conference on Technology and Innovation in Marketing, Ghaziabad, India;

Ashta, A. (2008): A Discontinuous Marginal Revenue curve and U-shaped supply curve explanation to microcredit capital flows and relative interest rate determination, 20th Asian-Pacific Conference on International Accounting Issues, Paris, France;

Ditter, J-G, Attuel-Mendes, L. & Ashta, A. (2008): La réforme de la législation française en matière d’usure facilite-t-elle l’accès au crédit des micro-entreprises? 20th Asian-Pacific Conference on International Accounting Issues, Paris, France;

Ashta, A. & Bush, M. (2008): Ethical issues of NGO principals in sustainability, outreach and impact of Microfinance: Lessons in governance from the Banco Compartamos; IPO, Conférence Internationale de Gouvernance d’Entreprise, Bordeaux, France;

Ashta, A. & Bush, M. (2008): Ethical issues of NGO principals in sustainability, outreach and impact of Microfinance: Lessons in governance from the Banco Compartamos’ IPO, 1st International Workshop on Microfinance Management and Governance, Kristiansand, Norway;

Assadi, D. & Ashta, A. (2008): Trust in Peer to peer lending, Journées d'Economie Experimentale, Dijon, France;

Attuel-Mendes, L. & Ashta, A. (2008): French Usury Legislation and the Development of Credit Availability for Microenterprise, Global Conference on Business and Finance, Honolulu, USA.

 
Papers presented at professional conferences

Khan, S. & Ashta, A. (2011): Operational culture in MFIs: Impacts and influences, European Microfinance Week, Luxembourg;

Ashta, A. (2011): Religion and Microfinance, with a focus on Hinduism, European Microfinance Week, Luxembourg;

Ashta, A. (2011): Regulation and microfinance, Séminaire préparatoire au colloque G20, Paris, France;

Ashta, A. (2011): Round table: Microfinance crisis in India: The road ahead, Convergences 2015, Paris, France;

Ashta, A. (2011): An Overview of Microfinance. Economic Forum of Chad, N'Djamena, Chad;

Bumacov, V. (2011): Credit Scoring for microfinance: differences with consumer credit and products. How to use it… IFC training: 3rd Credit Reporting and Risk Management, Kuala Lumpur, Malaysia;

Bumacov, V. (2011): Added value of credit histories for credit scoring tool – the case of microfinance. IFC conference: Credit History Bureau – an efficient instrument for a greater protection of debtors and creditors, Chisinau, Moldova;

Ashta, A. (2010): An overview of Regulations impacting Mobile Banking, Mobile Payment Expo, Paris, France;

Ashta, A. (2010): MIS for Microfinance, 2nd Microfinance and New Technologies Summit, Marrakech, Morocco;

Ashta, A. (2009): Interest Rate ethics: an aspect of social performance in microfinance, European Microfinance Week, Luxembourg;

Ashta, A., Attuel-Mendes, L. & Ditter, J-G. (2008): Another "FRENCH PARADOX": Explaining why interest rates to microenterprises did not increase with the change in French usury legislation, European Microfinance Week, Luxembourg;

Ashta, A. (2008): Panelist in session on C2C and B2B platforms: How does the Internet make retail investors become microfinance players? Microfinance and New Technologies Summit, New Delhi, India;

Ashta, A & Assadi, D. (2008): Do Social Cause and Social Technology Meet? Impact of Web 2.0 Technologies on peer-to-peer lending transactions, Asia Microfinance Forum, Hanoi, Vietnam;

Ashta, A., Attuel-Mendes, L & Gallo, J. (2007): Introduction to Microcredit, Entrepressimo, Dijon, France.

 
Cases studies

Ashta, A. and Assadi, D. (2010): BABYLOAN: Micro Credit, Great Stories – How to scale up a social business;

Ashta, A. and Assadi, D. (2010): Rang De: How to make online lending grow in India?

Ashta, A. (2009): DHANAX: Let’s multiply wealth: How do you scale an online microlending site?

 
Burgundy School of Business research documents (Les Cahiers du CEREN)

Les Cahiers du CEREN, No.31, June 2010:

Ashta, A., & Assadi, D. (2010): P2P Interaction Orientation and Brand Value Building in Online Social Lending Startups;

Ashta, A., & Assadi, D. (2010): Should online Micro-lending be for profit or for  philanthropy? DhanaX and Rang De;

Ashta, A., & De Selva, R. (2010): Religious practice and micro-credit;

Attuel-Mendes, L. (2010): Microcredit and religion: complementarity or incompatibility?

 
Les Cahiers du CEREN, No.29, December 2009:

Allaire, V., Ashta, A., Attuel-Mendes, L. & Krishnaswamy, K. (2009): Institutional analysis to explain the success of Moroccan Microfinance Institutions;

Ashta, A. & Fall, N.S. (2009): Institutional Analysis to understand the growth of Microfinance Institutions in West African Economic and Monetary Union;

Ashta, A. & Raimbault, S. (2009): Business Perceptions of the New French Regime on Auto-Entrepreneurship: A Risk-Taking Step Back From Socialism;

Attuel-Mendes, L. & Ashta, A. (2009): Truth, but not always the Whole Truth in Lending Laws;

Ashta, A. & Hudon, M. (2009): To whom should we be fair? Ethical issues in Balancing Stakeholder Interests from Banco Compartamos;

Hudon, M. & Ashta, A. (2009): Microfinance Interest Rates dynamics: Are fair prices derived from Rawls’ basic principles of justice?

Ashta, A. (2009): Interest Rate ethics: an aspect of social performance in microfinance;

Ashta, A. & Assadi, D. (2009): Analysis of European Online micro-lending Websites;

Ashta, A & Assadi D. (2009): Online lending in India;

Ashta, A & Assadi, D. (2009): Do Social Cause and Social Technology Meet? Impact of Web 2.0 Technologies on peer-to-peer lending transactions in general and microfinance in particular;

Ashta, A. & Assadi, D. (2009): Generating brand value in online Microfinance startups;

Assadi, D. & Ashta, A. (2009): P2P Interaction Orientation and Brand Value Building in Online Social Lending Startups.

 

Les Cahiers du CEREN, No.25, December 2008:

Ditter, J-G., Attuel-Mendes, L. & Ashta, A. (2009): La réforme de la législation française en matière d'usure facilite-t-elle l'accès au crédit des micro-entreprises?

 

Les Cahiers du CEREN, No.24, October 2008:

Assadi, D. & Ashta, A. (2008): How Do People Trust on Peer-to-Peer Lending Websites? Impacts of the Web 2.0 Technologies on Trust Building in Microfinance;

Ashta, A. & Bush, M. (2008): Ethical issues of NGO principals in sustainability, outreach and impact of Microfinance: Lessons in governance from the Banco Compartamos’ IPO.

 

Les Cahiers du CEREN, No.23, June 2008:

Ashta, A. & Assadi, D. (2008): Do Social Cause and Social Technology Meet? Impact of Web 2.0 Technologies on peer-to-peer lending transactions.

 
Les Cahiers du CEREN, No.21, December 2007:

Ashta, A. (2007): An Introduction to Microcredit: Why money is flowing from the rich to the poor;

Ashta, A. & Attuel-Mendes, L. (2007): La législation française en matière d’usure et le développement de l’accès au crédit des microenterprises.

 

Contacts

Arvind ASHTA
Holder of the Chair
+33 (0)380 725 966


Isabelle DEMAY
Corporate Relations Director
+33 (0)380 725 920