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 v
... of the Microfinance Institution 33 Direct and Indirect Targeting 34 28 The Importance of Adequate Cash Flow and the Capacity to Service Debt 35 Minimal Equity Requirement 36 Moral Hazard 36 Market Size 36. v Contents, p. v.
... of the Microfinance Institution 33 Direct and Indirect Targeting 34 28 The Importance of Adequate Cash Flow and the Capacity to Service Debt 35 Minimal Equity Requirement 36 Moral Hazard 36 Market Size 36. v Contents, p. v.
الصفحة vii
... Cash Patterns, Loan Terms, and Payment Frequency 133 Client Cash Patterns and Loan Amounts 133 How Does the Loan Term Affect the Borrower's Ability to Repay? 134 Frequency of Loan Payments 136 Working Capital and Fixed Asset Loans 136 ...
... Cash Patterns, Loan Terms, and Payment Frequency 133 Client Cash Patterns and Loan Amounts 133 How Does the Loan Term Affect the Borrower's Ability to Repay? 134 Frequency of Loan Payments 136 Working Capital and Fixed Asset Loans 136 ...
الصفحة xii
... Cash Flows (Grace Period) 152 A5.3.2 Internal Rate of Return with Varying Cash Flows (Lump Sum) 152 8.1 Sample Portfolio Report 188 8.2 9.1 9.2 9.3 9.4 9.5 9.6 9.7 9.8 Sample xii CONTENTS.
... Cash Flows (Grace Period) 152 A5.3.2 Internal Rate of Return with Varying Cash Flows (Lump Sum) 152 8.1 Sample Portfolio Report 188 8.2 9.1 9.2 9.3 9.4 9.5 9.6 9.7 9.8 Sample xii CONTENTS.
الصفحة xiii
... Delinquency, Example 1 244 10.2 Cost of Delinquency, Example 2 245 10.3 On-Time and Late or No Payments 247 10.4 Branch Cash Flow Forecasts 256 Foreword Preface Introduction 1. The term “microfinance activity” is used CONTENTS xiii.
... Delinquency, Example 1 244 10.2 Cost of Delinquency, Example 2 245 10.3 On-Time and Late or No Payments 247 10.4 Branch Cash Flow Forecasts 256 Foreword Preface Introduction 1. The term “microfinance activity” is used CONTENTS xiii.
الصفحة 4
... 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 successful models has at times proved ...
... 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 successful models has at times proved ...
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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