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© The Author(s) 2013. Published by Science and Education Publishing. Table 2. Relationship between Financial Characteristics and Innovation in MFIs –ANOVA Test Factor Dependent Variable F-statistic Sig. Average repayment rate over past 3 years Number of new savings products offered in the past 3 years 3.349 .032** R and D expenditure 7.064 .002*** Number of new loan products offered in the past 3 years 4.737 .007*** Number of branches/outlets 3.264 .012** Average Max. loan term over past 3 years 8.699 .000*** Donor funding Microinsurance 3.005 .091* Funding from savings deposits 3.326 .076* 3.526 .068* Funding from bank Number of loan products offered in the past 3 years 3.760 .060* Micro insurance 4.280 .045** Owner equity 3.541 .067* ***, **, * depicts significance at 1%, 5%, and 10% respectively Haruna Issahaku et al. Financial Characteristics and Innovations in Microfinance Institutions in Ghana. American Journal of Rural Development, 2013, Vol. 1, No. 3, 40-48. doi:10.12691/ajrd-1-3-2 © The Author(s) 2013. Published by Science and Education Publishing.