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 40
... credit system, has become the mainstay of the Kenya Rural Enterprise Programme (K-REP; box 2.3). However, rural ... officer appraises the loan application and makes the disbursement by bank check to the group. Each group must meet at ...
... credit system, has become the mainstay of the Kenya Rural Enterprise Programme (K-REP; box 2.3). However, rural ... officer appraises the loan application and makes the disbursement by bank check to the group. Each group must meet at ...
الصفحة 45
... credit for initial investment capital and on informal sector loans for ... officers can focus their learning on one sector, thereby developing an ... Credit Characteristics Criterion Agriculture Production Services Use of loan proceeds ...
... credit for initial investment capital and on informal sector loans for ... officers can focus their learning on one sector, thereby developing an ... Credit Characteristics Criterion Agriculture Production Services Use of loan proceeds ...
الصفحة 50
... credit is the main instrument, then regardless of whether the focus is on increasing income or household economic ... officers and head office staff through exposure to new methodological approaches. I Contribute to the field of impact ...
... credit is the main instrument, then regardless of whether the focus is on increasing income or household economic ... officers and head office staff through exposure to new methodological approaches. I Contribute to the field of impact ...
الصفحة 68
... loans (adapted from Waterfield and Duval 1996). I Individual loans are delivered ... credit checks and character references. I The tailoring of the loan size and ... officers need to spend a relatively long period of time with individual ...
... loans (adapted from Waterfield and Duval 1996). I Individual loans are delivered ... credit checks and character references. I The tailoring of the loan size and ... officers need to spend a relatively long period of time with individual ...
الصفحة 69
An Institutional and Financial Perspective Joanna Ledgerwood. Box 3.2 Individual Loans ... credit cooperatives with more than 200,000 clients. Most of the loans are ... officers rely heavily on information as a collateral substitute. In these ...
An Institutional and Financial Perspective Joanna Ledgerwood. Box 3.2 Individual Loans ... credit cooperatives with more than 200,000 clients. Most of the loans are ... officers rely heavily on information as a collateral substitute. In these ...
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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