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 22
... activities, including training. Finansol inherited an excellent loan portfolio, a proven lending methodology, and consistent operational profitability. Nevertheless, several factors led to the deterioration of its financial position. I ...
... activities, including training. Finansol inherited an excellent loan portfolio, a proven lending methodology, and consistent operational profitability. Nevertheless, several factors led to the deterioration of its financial position. I ...
الصفحة 23
... activities (stated as a currency amount rather than as a percentage of assets). “Capital” refers to the amount of equity an institution holds. (It can also include some subordinated debt, depending on the specific rules of the ...
... activities (stated as a currency amount rather than as a percentage of assets). “Capital” refers to the amount of equity an institution holds. (It can also include some subordinated debt, depending on the specific rules of the ...
الصفحة 25
... activities of small businesses and microenterprises in the productive and commercial sectors, as well as to make loans to individuals for soft durable goods purchases. As an additional means of facilitating access to credit for ...
... activities of small businesses and microenterprises in the productive and commercial sectors, as well as to make loans to individuals for soft durable goods purchases. As an additional means of facilitating access to credit for ...
الصفحة 26
... activities. Another issue with the banking regulation involves the reporting format. The superintendency is trying to supervise nine separate categories of financial institutions with an omnibus prudential guideline and reporting format ...
... activities. Another issue with the banking regulation involves the reporting format. The superintendency is trying to supervise nine separate categories of financial institutions with an omnibus prudential guideline and reporting format ...
الصفحة 27
... activities may need to be postponed until a more stable environment ensues, particularly where concern for the safety of both staff and clients exists. Donors must understand the need to postpone activities or slow down growth and not ...
... activities may need to be postponed until a more stable environment ensues, particularly where concern for the safety of both staff and clients exists. Donors must understand the need to postpone activities or slow down growth and not ...
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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