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 14
... deposits with short maturities and small minimum balances, as well as short-term credit lines. Second, they must keep their fixed costs low, with minimum investments and two to four employees. Third, they must lend on the basis of a ...
... deposits with short maturities and small minimum balances, as well as short-term credit lines. Second, they must keep their fixed costs low, with minimum investments and two to four employees. Third, they must lend on the basis of a ...
الصفحة 20
... deposit mobilization. In some instances they do so with the knowledge of the authorities, who, for political reasons or simply for lack of time and resources, do not interfere. In other instances these nonbank MFIs simply avoid dealing ...
... deposit mobilization. In some instances they do so with the knowledge of the authorities, who, for political reasons or simply for lack of time and resources, do not interfere. In other instances these nonbank MFIs simply avoid dealing ...
الصفحة 21
... deposits, unless appropriate regulation and supervision regimes are developed. Even MFIs that do not mobilize deposits may benefit from entry rules that ensure the adoption of accepted good practices, as well as adequate recordkeeping ...
... deposits, unless appropriate regulation and supervision regimes are developed. Even MFIs that do not mobilize deposits may benefit from entry rules that ensure the adoption of accepted good practices, as well as adequate recordkeeping ...
الصفحة 22
... deposits from the public, however. The credit officers remained with Corposol, which also carried out other activities, including training. Finansol inherited an excellent loan portfolio, a proven lending methodology, and consistent ...
... deposits from the public, however. The credit officers remained with Corposol, which also carried out other activities, including training. Finansol inherited an excellent loan portfolio, a proven lending methodology, and consistent ...
الصفحة 25
... deposits and contract obligations with second-tier banking institutions pursuant to the limits set by these intermediaries. Limits. To avoid risks that jeopardize their main purpose and are incompatible with the large amount of capital ...
... deposits and contract obligations with second-tier banking institutions pursuant to the limits set by these intermediaries. Limits. To avoid risks that jeopardize their main purpose and are incompatible with the large amount of capital ...
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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