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 2
... considered to be the “poorest of the poor.” Moneylenders, pawnbrokers, and rotating savings and credit associations are informal microfinance providers and important sources of financial intermediation but they are not discussed in ...
... considered to be the “poorest of the poor.” Moneylenders, pawnbrokers, and rotating savings and credit associations are informal microfinance providers and important sources of financial intermediation but they are not discussed in ...
الصفحة 12
... considered part of the semiformal sector, because they are often legally registered entities that are subject to some form of supervision or reporting requirements.) These financial institutions, which vary greatly in size, typically ...
... considered part of the semiformal sector, because they are often legally registered entities that are subject to some form of supervision or reporting requirements.) These financial institutions, which vary greatly in size, typically ...
الصفحة 20
... considered when regulating and supervising Box 1.8 Alexandria Business Association: Legal Sanctions THE ALEXANDRIA BUSINESS ASSOCIATION IN EGYPT BEGAN operations in 1983 offering loans to individual business owners in amounts ranging ...
... considered when regulating and supervising Box 1.8 Alexandria Business Association: Legal Sanctions THE ALEXANDRIA BUSINESS ASSOCIATION IN EGYPT BEGAN operations in 1983 offering loans to individual business owners in amounts ranging ...
الصفحة 23
... considered (adapted from CGAP 1996b): I Minimum capital requirements I Capital adequacy I Liquidity requirements I Asset quality I Portfolio diversification. MINIMUM CAPITAL REQUIREMENTS. Minimum capital requirements are set for all ...
... considered (adapted from CGAP 1996b): I Minimum capital requirements I Capital adequacy I Liquidity requirements I Asset quality I Portfolio diversification. MINIMUM CAPITAL REQUIREMENTS. Minimum capital requirements are set for all ...
الصفحة 24
... considered capital. Thus almost all MFIs easily meet capital adequacy standards. For example, BancoSol, one of the most leveraged MFIs as of year-end 1995, had a riskweighted capital adequacy of 17 percent, much higher than is required ...
... considered capital. Thus almost all MFIs easily meet capital adequacy standards. For example, BancoSol, one of the most leveraged MFIs as of year-end 1995, had a riskweighted capital adequacy of 17 percent, much higher than is required ...
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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