Interaction between Microfinance Pricing and The Financial Sustainability: A Cross-Regional and Income-Level Perspective [Dataset]

The attached files are organized in the optimal sequence for systematic evaluation:
1. Competition (CMP) Dataset – Contains the data and variables used to compute the Lerner Index, a key indicator of competition within the study.

2. Translog_Cost_CMP_EViews_Workfile – Provides the estimation results for the translog cost function, obtained through Ordinary Least Squares (OLS) regression, including the estimated parameters (β₁, β₂, μ, δ).

3. FULL Completed Dataset – Comprises the selected panel dataset encompassing all study variables, along with associated metadata (refer to it, please, for further details).

4. Full_EViews_Workfile – Includes panel data, study variables, and econometric models implemented within the EViews software.

5. Panel Unit Root Tests (OUTPUTS) – Presents the results of stationarity tests, including the Levin-Lin-Chu Test, the Im, Pesaran, and Shin (IPS) Test, the ADF-Fisher Chi-square Test, and the Phillips-Perron Fisher Test. Additionally, this file outlines the transformations applied to non-stationary variables to ensure stationarity before incorporating them into regression models.

6. MODEL(1) (OUTPUTS) – Contains EViews-generated outputs documenting the complete analytical process for the first model, which examines the impact of pricing on Return On Assets (ROA) in microfinance institutions (MFIs), as detailed in the Table of Contents.

7. MODEL(2) (OUTPUTS) – Includes the EViews outputs for the second model, which investigates the impact of pricing on Portfolio At Risk (PAR), 90 days (%) in MFIs, as specified in the Table of Contents.

8. MODEL(3) (OUTPUTS) – Provides EViews outputs for the third model, analyzing the influence of pricing on Operational Self Sufficiency (OSS) (%) in MFIs, as outlined in the Table of Contents.

9. MODEL(4) (OUTPUTS) – Contains EViews-generated outputs documenting the complete analytical process for the first model, which examines the impact of financial sustainability (ROA, PAR90, and OSS) on pricing in microfinance institutions (MFIs), as detailed in the Table of Contents.

This structured compilation of datasets and analytical outputs ensures transparency, reproducibility, and methodological rigor in the research process.

附件文件已按系统评估的最优顺序整理如下：
1. 竞争（CMP）数据集：包含用于计算勒纳指数（Lerner Index）的数据与变量，勒纳指数是本研究中衡量市场竞争程度的核心指标。
2. Translog_Cost_CMP_EViews_Workfile：提供了通过普通最小二乘法（Ordinary Least Squares, OLS）回归得到的超越对数成本函数估计结果，包含估计参数β₁、β₂、μ、δ。
3. FULL Completed Dataset：涵盖选定的面板数据集与全部研究变量，并附带相关元数据（详细信息请参阅该文件）。
4. Full_EViews_Workfile：包含EViews软件中实现的面板数据、研究变量及计量经济学模型。
5. Panel Unit Root Tests (OUTPUTS)：展示了平稳性检验结果，包括Levin-Lin-Chu检验、Im-Pesaran-Shin（IPS）检验、ADF-费希尔卡方检验以及Phillips-Perron费希尔检验。此外，该文件还说明了针对非平稳变量所做的变换处理，以确保变量在纳入回归模型前满足平稳性要求。
6. MODEL(1) (OUTPUTS)：包含EViews生成的输出文档，完整记录了首个模型的分析流程——该模型聚焦于小额信贷机构（microfinance institutions, MFIs）的定价对资产收益率（Return On Assets, ROA）的影响，具体细节参见目录。
7. MODEL(2) (OUTPUTS)：包含EViews生成的第二个模型输出结果，该模型探究了小额信贷机构（microfinance institutions, MFIs）的定价对90天逾期风险贷款组合占比（Portfolio At Risk, 90 days (%)）的影响，具体细节参见目录。
8. MODEL(3) (OUTPUTS)：包含EViews生成的第三个模型输出结果，该模型分析了小额信贷机构（microfinance institutions, MFIs）的定价对运营自给率（Operational Self Sufficiency, OSS, %）的影响，具体细节参见目录。
9. MODEL(4) (OUTPUTS)：包含EViews生成的输出文档，完整记录了第四个模型的分析流程——该模型聚焦于小额信贷机构（microfinance institutions, MFIs）的金融可持续性指标（资产收益率ROA、90天风险贷款组合率PAR90及运营自给率OSS）对定价的影响，具体细节参见目录。
本数据集与分析输出文件的结构化汇编，确保了研究过程的透明度、可复现性与方法论严谨性。