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 99
... calculate the accrued interest. The Savings Bank of Madagascar focuses on poor clients, as evidenced by an average savings balance of less than US$32. This represents 28 percent of GDP. The total number of clients in June 1996 was ...
... calculate the accrued interest. The Savings Bank of Madagascar focuses on poor clients, as evidenced by an average savings balance of less than US$32. This represents 28 percent of GDP. The total number of clients in June 1996 was ...
الصفحة 121
... calculated according to international standards and are above 85% (for cumulative repayment, including arrears) I Portfolio at risk rates are calculated according to international standards and are <10% Transformation issues I Will ...
... calculated according to international standards and are above 85% (for cumulative repayment, including arrears) I Portfolio at risk rates are calculated according to international standards and are <10% Transformation issues I Will ...
الصفحة 123
... Calculations are available for effective costs to the client and for effective yields to the organization. Rates are established in order to cover operating costs, loan losses, and financial costs and to achieve a profit at certain ...
... Calculations are available for effective costs to the client and for effective yields to the organization. Rates are established in order to cover operating costs, loan losses, and financial costs and to achieve a profit at certain ...
الصفحة 127
... Calculating the institution's market penetration serves as a reality check for the projections: MP Customer base (defined in projected portfolio) = Potential market Classifying the portfolio. The portfolio must be disaggregated or ...
... Calculating the institution's market penetration serves as a reality check for the projections: MP Customer base (defined in projected portfolio) = Potential market Classifying the portfolio. The portfolio must be disaggregated or ...
الصفحة 133
... calculating the effective rate on loans using the internal rate of return and taking into account varying cash flows. C. HAPTER. F. IVE. Cash. Patterns,. Loan. Terms,. and. Payment. Frequency. This section covers credit fundamentals, ...
... calculating the effective rate on loans using the internal rate of return and taking into account varying cash flows. C. HAPTER. F. IVE. Cash. Patterns,. Loan. Terms,. and. Payment. Frequency. This section covers credit fundamentals, ...
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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