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 xiii
... Profit Margin and Asset Utilization 239 A9.5.2 Analysis of ADEMI's Return on Assets 240 10.1 Cost of 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 ...
... Profit Margin and Asset Utilization 239 A9.5.2 Analysis of ADEMI's Return on Assets 240 10.1 Cost of 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 ...
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 14
... profit sharing and efficiency wages. Finally, their internal control mechanisms must be credible, and there must be a credible threat of dismissal for nonperforming staff. Existing Microfinance Providers Microfinance providers are found ...
... profit sharing and efficiency wages. Finally, their internal control mechanisms must be credible, and there must be a credible threat of dismissal for nonperforming staff. Existing Microfinance Providers Microfinance providers are found ...
الصفحة 16
... profit center within the bank. The unit desa system is a nationwide network of small village banks. The founding objectives were to replace directed agricultural credit with broad-based credit for any type of rural economic activity, to ...
... profit center within the bank. The unit desa system is a nationwide network of small village banks. The founding objectives were to replace directed agricultural credit with broad-based credit for any type of rural economic activity, to ...
الصفحة 23
... profit maximization goals and that minimum capital requirements may not be as powerful an inducement to sound governance as would generally be the case with standard commercial banking institutions. Box 1.10 Enhancing the Effectiveness ...
... profit maximization goals and that minimum capital requirements may not be as powerful an inducement to sound governance as would generally be the case with standard commercial banking institutions. Box 1.10 Enhancing the Effectiveness ...
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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