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 15
... NGOs or self-help groups. Governments that forgive existing debts of the poor to state banks can have a tremendous effect on private sector MFIs, whose borrowers may mistakenly understand that their loans need not be repaid either. In ...
... NGOs or self-help groups. Governments that forgive existing debts of the poor to state banks can have a tremendous effect on private sector MFIs, whose borrowers may mistakenly understand that their loans need not be repaid either. In ...
الصفحة 16
... NGOs operated by local leaders in their communities. They are frequently supported by international donors and international NGOs that provide technical assistance or funding, particularly in the startup phase. Some private MFIs still ...
... NGOs operated by local leaders in their communities. They are frequently supported by international donors and international NGOs that provide technical assistance or funding, particularly in the startup phase. Some private MFIs still ...
الصفحة 19
... NGOs, and donors were active in working with the central bank to persuade it to grant an exemption that would enable microfinance institutions to charge high enough interest rates to reach financial sustainability. Their advocacy ...
... NGOs, and donors were active in working with the central bank to persuade it to grant an exemption that would enable microfinance institutions to charge high enough interest rates to reach financial sustainability. Their advocacy ...
الصفحة 20
... NGOs, operate on the fringes of existing regulations, especially with regard to deposit mobilization. In some instances they do so with the knowledge of the authorities, who, for political reasons or simply for lack of time and ...
... NGOs, operate on the fringes of existing regulations, especially with regard to deposit mobilization. In some instances they do so with the knowledge of the authorities, who, for political reasons or simply for lack of time and ...
الصفحة 21
... NGOs. “An NGO (nongovernmental organization) is not inherently bound to the same standards of economic performance or financial prudence that may be reasonably expected in the business sector. While this concern is not insurmountable, the ...
... NGOs. “An NGO (nongovernmental organization) is not inherently bound to the same standards of economic performance or financial prudence that may be reasonably expected in the business sector. While this concern is not insurmountable, 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