Microfinance Handbook: An Institutional and Financial PerspectiveWorld Bank Publications, 01/12/1998 - 302 من الصفحات Microfinance is not simply banking; it is a development tool. It has been estimated that there are 500 million economically active poor people in the world operating microenterprises and small businesses. Most of them do not have access to adequate financial services. The purpose of this Handbook is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions. The Handbook takes a global perspective, drawing on lessons learned from the experiences of microfinance practitioners, donors, and others throughout the world.This volume covers extensively matters pertaining to the regulatory and policy framework and the essential components of institutional capacity building, such as product design, performance measuring and monitoring, and management of microfinance institutions.The handbook has three parts. 'Issues in Microfinance Provision' - Part I, takes a macroeconomic perspective toward general microfinance issues and is primarily nontechnical. 'Designing and Monitoring Financial Products and Services' - Part II, narrows its focus to the provision of financial intermediation, taking a more technical approach and moving progressively toward more specific (or micro) issues. 'Measuring Performance and Managing Viability' - Part III, is the most technical part of the handbook, focusing primarily on assessing the viability of microfinance institutions. |
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الصفحة 1
... clients, including the self-employed. Financial services generally include savings and credit; however, some microfinance organizations also provide insurance and payment services. In addition to financial intermediation, many MFIs ...
... clients, including the self-employed. Financial services generally include savings and credit; however, some microfinance organizations also provide insurance and payment services. In addition to financial intermediation, many MFIs ...
الصفحة 2
... clients are typically self-employed, low-income entrepreneurs in both urban and rural areas. Clients are often traders, street vendors, small farmers, service providers (hairdressers, rickshaw drivers), and artisans and small producers ...
... clients are typically self-employed, low-income entrepreneurs in both urban and rural areas. Clients are often traders, street vendors, small farmers, service providers (hairdressers, rickshaw drivers), and artisans and small producers ...
الصفحة 3
... client and member deposits and commercial loans. I NGOs offered the smallest loan sizes and relatively more social services than banks, savings banks, or credit unions. I Credit unions and banks are leaders in serving large numbers of ...
... client and member deposits and commercial loans. I NGOs offered the smallest loan sizes and relatively more social services than banks, savings banks, or credit unions. I Credit unions and banks are leaders in serving large numbers of ...
الصفحة 5
... clients. Both donors and practitioners are beginning to be held accountable for results. The focus is no longer solely on quantity—on the amount disbursed—but on the quality of operations. This view is based on the notion that borrowers ...
... clients. Both donors and practitioners are beginning to be held accountable for results. The focus is no longer solely on quantity—on the amount disbursed—but on the quality of operations. This view is based on the notion that borrowers ...
الصفحة 11
... clients. This chapter uses a macroeconomic approach to place microfinance in the overall context of a country and so make clear how important macro-level policy and regulation are for developing microfinance providers and ...
... clients. This chapter uses a macroeconomic approach to place microfinance in the overall context of a country and so make clear how important macro-level policy and regulation are for developing microfinance providers and ...
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activities additional adjusted amount analysis approach areas assets Association average balance Bank borrowers branches calculated capacity capital cash changes chapter clients considered costs credit officers debt delinquent demand dependence deposits determine donors earned economic effective enterprise equity example existing expenses financial institutions financial services formal funds growth impact important income increase indicators individual inflation institutions interest interest rate internal investment issues lending loan loss loan term measure ment method Microenterprise microfinance mobilization months Network NGOs offer operating organization outstanding payments percent performance period policies poor portfolio profit programs Project ratio received regulated repayment reports reserve result risk rural savings sector social Source staff statements structure subsidies Sustainable tion Washington women World Bank