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 x
... Funds in Bolivia 25 1.12 Nonbank Financial Institutions in Ghana 26 1.13 Microfinance in Areas of Political Unrest 27 1.14 The Albanian Development Fund 28 1.15 Tax Laws in Argentina 29 2.1 Targeted Credit Activities 34 2.2 U.S. Agency ...
... Funds in Bolivia 25 1.12 Nonbank Financial Institutions in Ghana 26 1.13 Microfinance in Areas of Political Unrest 27 1.14 The Albanian Development Fund 28 1.15 Tax Laws in Argentina 29 2.1 Targeted Credit Activities 34 2.2 U.S. Agency ...
الصفحة 2
... funding sources, rather than rely on donor funds. This recognition of the need to achieve financial sustainability has led to the current “financial systems” approach to microfinance. This approach is characterized by the following ...
... funding sources, rather than rely on donor funds. This recognition of the need to achieve financial sustainability has led to the current “financial systems” approach to microfinance. This approach is characterized by the following ...
الصفحة 3
... funding or concessional funds for the majority of their lending. Banks, savings banks, and credit unions funded their loan portfolios with client and member deposits and commercial loans. I NGOs offered the smallest loan sizes and ...
... funding or concessional funds for the majority of their lending. Banks, savings banks, and credit unions funded their loan portfolios with client and member deposits and commercial loans. I NGOs offered the smallest loan sizes and ...
الصفحة 4
... funds adequately enough to meet future cash needs and, as a result, they confront a liquidity problem. I Others develop neither the financial management systems nor the skills required to run a successful operation. I Replication of ...
... funds adequately enough to meet future cash needs and, as a result, they confront a liquidity problem. I Others develop neither the financial management systems nor the skills required to run a successful operation. I Replication of ...
الصفحة 5
... funds, and practitioners were rewarded for on-lending those funds to as many people (preferably women) as possible. Neither was particularly accountable for the long-term sustainability of the microfinance institution or for the ...
... funds, and practitioners were rewarded for on-lending those funds to as many people (preferably women) as possible. Neither was particularly accountable for the long-term sustainability of the microfinance institution or for the ...
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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