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 13
... borrower. Social sanctions within a family, a village, or a religious community substitute for legal enforcement. Credit terms are typically adapted to the client's situation. The total amount lent, as well as the number and the ...
... borrower. Social sanctions within a family, a village, or a religious community substitute for legal enforcement. Credit terms are typically adapted to the client's situation. The total amount lent, as well as the number and the ...
الصفحة 15
... borrowers may mistakenly understand that their loans need not be repaid either. In general, both donors and practitioners should determine the consequences of existing or past credit subsidies or debt forgiveness (see box 1.3). Much ...
... borrowers may mistakenly understand that their loans need not be repaid either. In general, both donors and practitioners should determine the consequences of existing or past credit subsidies or debt forgiveness (see box 1.3). Much ...
الصفحة 18
... borrowers fail to benefit from the intended low-cost financial services. While there is reason to question the appropriateness of interest rate limits in any form, financial institutions that can demonstrate services to the poor at a ...
... borrowers fail to benefit from the intended low-cost financial services. While there is reason to question the appropriateness of interest rate limits in any form, financial institutions that can demonstrate services to the poor at a ...
الصفحة 19
... borrower should not exceed double the discount rate of the union's central bank. In 1996 the usury rate fluctuated around 13 percent. Microfinance institutions, NGOs, and donors were active in working with the central bank to persuade ...
... borrower should not exceed double the discount rate of the union's central bank. In 1996 the usury rate fluctuated around 13 percent. Microfinance institutions, NGOs, and donors were active in working with the central bank to persuade ...
الصفحة 20
... borrowers when they fail to repay a loan, which can lead to imprisonment or fines. Usually just the threat of jail or a visit from police can work as an effective deterrent for borrowers who are considering defaulting on a loan. It is ...
... borrowers when they fail to repay a loan, which can lead to imprisonment or fines. Usually just the threat of jail or a visit from police can work as an effective deterrent for borrowers who are considering defaulting on a loan. It is ...
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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