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 vii
... Lending Products 133 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 ...
... Lending Products 133 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 ...
الصفحة x
... Lending to Poor Entrepreneurs 67 3.2 Individual Loans at Fédération des Caisses d'Epargne et de Crédit Agricole Mutuel, Benin 69 3.3 The Association for the Development of Microenterprises 69 3.4 Rotating Savings and Credit Associations ...
... Lending to Poor Entrepreneurs 67 3.2 Individual Loans at Fédération des Caisses d'Epargne et de Crédit Agricole Mutuel, Benin 69 3.3 The Association for the Development of Microenterprises 69 3.4 Rotating Savings and Credit Associations ...
الصفحة 2
... in which lenders operate. I The goal of sustainability (cost recovery and eventually profit) is the key not only to institutional permanence in lending, but also to making the lending institution more 2 MICROFINANCE HANDBOOK.
... in which lenders operate. I The goal of sustainability (cost recovery and eventually profit) is the key not only to institutional permanence in lending, but also to making the lending institution more 2 MICROFINANCE HANDBOOK.
الصفحة 3
An Institutional and Financial Perspective Joanna Ledgerwood. nence in lending, but also to making the lending institution more focused and efficient. I Because loan sizes to poor people are small, MFIs must achieve sufficient scale if ...
An Institutional and Financial Perspective Joanna Ledgerwood. nence in lending, but also to making the lending institution more focused and efficient. I Because loan sizes to poor people are small, MFIs must achieve sufficient scale if ...
الصفحة 5
... 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 longterm effect on borrowers or beneficiaries. Now ...
... 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 longterm effect on borrowers or beneficiaries. Now ...
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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