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
... debt, banks want to have lower capital requirements and consequently try to have lower risk assets. The result is beneficial for both the banks and the regulators because banks are discouraged from high-risk lending. Most MFIs are not ...
... debt, banks want to have lower capital requirements and consequently try to have lower risk assets. The result is beneficial for both the banks and the regulators because banks are discouraged from high-risk lending. Most MFIs are not ...
الصفحة 27
... debt rather than equity (if possible), and providing short-term loans (ensuring that they match the clients cash flow needs), which allow for periodic adjustment of interest rates. If MFIs borrow funds in a currency other than their own ...
... debt rather than equity (if possible), and providing short-term loans (ensuring that they match the clients cash flow needs), which allow for periodic adjustment of interest rates. If MFIs borrow funds in a currency other than their own ...
الصفحة 33
... debt. Organizations that do not define their objectives, and hence their target market, or that fail to design their products to meet the needs of this market often have difficulty managing their operations and staying focused. For ...
... debt. Organizations that do not define their objectives, and hence their target market, or that fail to design their products to meet the needs of this market often have difficulty managing their operations and staying focused. For ...
الصفحة 35
... Debt capacity is the amount of additional debt a client can take on without running the risk of inadequate cash flow and consequent loan default.1 MFIs need to consider debt capacity as opposed to basing credit decisions on a “credit ...
... Debt capacity is the amount of additional debt a client can take on without running the risk of inadequate cash flow and consequent loan default.1 MFIs need to consider debt capacity as opposed to basing credit decisions on a “credit ...
الصفحة 36
... debt capacity of a potential target market, because determining clients' debt capacity is an important part of identifying a target market and designing appropriate products and services for this market. For the most part, borrowers do ...
... debt capacity of a potential target market, because determining clients' debt capacity is an important part of identifying a target market and designing appropriate products and services for this market. For the most part, borrowers do ...
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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