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 121
... earned through enhanced performance. I Employees who express a high level of satisfaction with their work. Low employee turnover. No antagonistic employee unions or associations. I Dynamic use of employee newsletter, with contributions ...
... earned through enhanced performance. I Employees who express a high level of satisfaction with their work. Low employee turnover. No antagonistic employee unions or associations. I Dynamic use of employee newsletter, with contributions ...
الصفحة 138
... earned by the borrowers if the savings were put into their business or other investments. This results in an opportunity cost equal to the difference between what the client earns on compulsory savings and the return that could be earned ...
... earned by the borrowers if the savings were put into their business or other investments. This results in an opportunity cost equal to the difference between what the client earns on compulsory savings and the return that could be earned ...
الصفحة 142
... earned on a loan with a flat basis calculation. N In example 5.1, a 1,000 loan with 20 percent interest calculated on a declining balance for one year with monthly payments results in interest of 112 (rounded from 111.56). The same loan ...
... earned on a loan with a flat basis calculation. N In example 5.1, a 1,000 loan with 20 percent interest calculated on a declining balance for one year with monthly payments results in interest of 112 (rounded from 111.56). The same loan ...
الصفحة 143
... earned by the MFI. The effective rate of interest refers to the inclusion of all direct financial costs of a loan in one interest rate Effective interest rates differ from nominal rates of interest by incorporating interest, fees, the ...
... earned by the MFI. The effective rate of interest refers to the inclusion of all direct financial costs of a loan in one interest rate Effective interest rates differ from nominal rates of interest by incorporating interest, fees, the ...
الصفحة 146
... earned if the funds are invested. This is the time value of money principle. The present value of 1,000 to be received any number of years in the future can be calculated as follows: PV 1/(1+ i)n = where i = the interest rate and n ...
... earned if the funds are invested. This is the time value of money principle. The present value of 1,000 to be received any number of years in the future can be calculated as follows: PV 1/(1+ i)n = where i = the interest rate and n ...
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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