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 24
... costs that this implies. ASSET QUALITY. Asset quality represents the risk to earnings derived from loans made by the ... cost of microloans. Case-by-case loan reviews are impractical. PORTFOLIO DIVERSIFICATION. Portfolio diversification ...
... costs that this implies. ASSET QUALITY. Asset quality represents the risk to earnings derived from loans made by the ... cost of microloans. Case-by-case loan reviews are impractical. PORTFOLIO DIVERSIFICATION. Portfolio diversification ...
الصفحة 34
... costs will be affected. In short, there are trade-offs involved in the decisions about objectives and how to reach ... cost of borrowing. In spite of the good intentions of such a strategy, one should be skeptical about its usefulness ...
... costs will be affected. In short, there are trade-offs involved in the decisions about objectives and how to reach ... cost of borrowing. In spite of the good intentions of such a strategy, one should be skeptical about its usefulness ...
الصفحة 41
... costs for both clients and MFIs. Some MFIs, such as the Grameen Bank, operate branches in the same geographic areas as their clients, reducing the barrier to accessible financial services due to poor roads and inadequate transportation ...
... costs for both clients and MFIs. Some MFIs, such as the Grameen Bank, operate branches in the same geographic areas as their clients, reducing the barrier to accessible financial services due to poor roads and inadequate transportation ...
الصفحة 44
... costs or increase revenue, because loan sizes remain small. While not all MFIs have the immediate goal of reaching financial self-sufficiency, over the long term the choice to focus on unstable survivors will likely be a time-bound ...
... costs or increase revenue, because loan sizes remain small. While not all MFIs have the immediate goal of reaching financial self-sufficiency, over the long term the choice to focus on unstable survivors will likely be a time-bound ...
الصفحة 45
... costs I Marketing advice to help find new markets. TYPE OF BUSINESS ACTIVITY. While the level of business development is an important consideration when identifying a target market, the economic sector of activities is also important ...
... costs I Marketing advice to help find new markets. TYPE OF BUSINESS ACTIVITY. While the level of business development is an important consideration when identifying a target market, the economic sector of activities is also important ...
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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