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 3
... results, by September 1995 about US$7 billion in outstanding loans had been provided to more than 13 million individuals and groups. In addition, more than US$19 billion had been mobilized in 45 million active deposit accounts. The ...
... results, by September 1995 about US$7 billion in outstanding loans had been provided to more than 13 million individuals and groups. In addition, more than US$19 billion had been mobilized in 45 million active deposit accounts. The ...
الصفحة 4
... result of experimentation and innovation. The innovations that have shown the most promise are solving the problem of lack of collateral by using group-based and character-based approaches; solving problems of repayment discipline ...
... result of experimentation and innovation. The innovations that have shown the most promise are solving the problem of lack of collateral by using group-based and character-based approaches; solving problems of repayment discipline ...
الصفحة 5
... results. The focus is no longer solely on quantity—on the amount disbursed—but on the quality of operations. This view is based on the notion that borrowers will buy microfinance products if they value the service; that is, if the ...
... results. The focus is no longer solely on quantity—on the amount disbursed—but on the quality of operations. This view is based on the notion that borrowers will buy microfinance products if they value the service; that is, if the ...
الصفحة 7
... results to reflect more accurately the financial position of an MFI. Chapter 9–Performance Indicators details how to measure and evaluate the financial performance of the MFI, focusing on ratio analysis to determine how successful is ...
... results to reflect more accurately the financial position of an MFI. Chapter 9–Performance Indicators details how to measure and evaluate the financial performance of the MFI, focusing on ratio analysis to determine how successful is ...
الصفحة 12
... result in high transaction costs, reinforcing the bias toward relatively large loans. Box 1.1 describes the operations and problems of rural financial institutions in Mexico. Semiformal institutions are not regulated by banking ...
... result in high transaction costs, reinforcing the bias toward relatively large loans. Box 1.1 describes the operations and problems of rural financial institutions in Mexico. Semiformal institutions are not regulated by banking ...
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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