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 23
... amount of capital to support their 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 ...
... amount of capital to support their 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 ...
الصفحة 24
... amount of capital required can be determined. Obviously, the lower the risk, the lower the risk-weighting, the lower the total assets, and, therefore, the lower the amount of required capital. Because capital is generally a more ...
... amount of capital required can be determined. Obviously, the lower the risk, the lower the risk-weighting, the lower the total assets, and, therefore, the lower the amount of required capital. Because capital is generally a more ...
الصفحة 25
... amount of capital they involve, private financial funds are restricted from several types of banking operations. These include capture of demand deposits, foreign trade operations, trust operations and other charges of fiduciary duty ...
... amount of capital they involve, private financial funds are restricted from several types of banking operations. These include capture of demand deposits, foreign trade operations, trust operations and other charges of fiduciary duty ...
الصفحة 30
... amount of external oversight can replace accountability that stems from proper governance and supervision performed by the owners of financial institutions. The following points highlight issues of ownership and governance relative to ...
... amount of external oversight can replace accountability that stems from proper governance and supervision performed by the owners of financial institutions. The following points highlight issues of ownership and governance relative to ...
الصفحة 35
... amount of additional debt a client can take on without running the risk of inadequate cash flow and consequent loan default.1 MFIs need to consider debt capacity as opposed to basing credit decisions on a “credit need” approach that ...
... amount of additional debt a client can take on without running the risk of inadequate cash flow and consequent loan default.1 MFIs need to consider debt capacity as opposed to basing credit decisions on a “credit need” approach that ...
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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