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 12
... clients. Financial systems can generally be divided into the formal, semiformal, and informal sectors. The distinction between formal and informal is based primarily on whether there is a legal infrastructure that provides recourse to ...
... clients. Financial systems can generally be divided into the formal, semiformal, and informal sectors. The distinction between formal and informal is based primarily on whether there is a legal infrastructure that provides recourse to ...
الصفحة 14
... client's character and reputation. Fourth, they must develop conducive incentive schemes, encouraging profit sharing ... CLIENTS 14 MICROFINANCE HANDBOOK Existing Microfinance Providers, p. 14 Boxes 1.1 Formal Sector Suppliers in Rural ...
... client's character and reputation. Fourth, they must develop conducive incentive schemes, encouraging profit sharing ... CLIENTS 14 MICROFINANCE HANDBOOK Existing Microfinance Providers, p. 14 Boxes 1.1 Formal Sector Suppliers in Rural ...
الصفحة 15
An Institutional and Financial Perspective Joanna Ledgerwood. Box 1.2 Do Microfinance Clients Need Subsidized Interest Rates? MICROFINANCE CLIENTS TEND TO BORROW THE SAME amount even if the interest rate increases, indicating that ...
An Institutional and Financial Perspective Joanna Ledgerwood. Box 1.2 Do Microfinance Clients Need Subsidized Interest Rates? MICROFINANCE CLIENTS TEND TO BORROW THE SAME amount even if the interest rate increases, indicating that ...
الصفحة 20
... clients do not adhere to their agreements and the ability and effectiveness of the courts to enforce financial contracts. The Alexandria Business Association provides a good example of the usefulness of an effective legal environment ...
... clients do not adhere to their agreements and the ability and effectiveness of the courts to enforce financial contracts. The Alexandria Business Association provides a good example of the usefulness of an effective legal environment ...
الصفحة 24
... clients; MFIs tend to depend on donors, whose funding can be unpredictable; and their nondonor liabilities tend to be short term. If the organization is operating in a stable financial market, it may be able to deal with liquidity risk ...
... clients; MFIs tend to depend on donors, whose funding can be unpredictable; and their nondonor liabilities tend to be short term. If the organization is operating in a stable financial market, it may be able to deal with liquidity risk ...
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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