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 19
... example, below-market interest rates. MFIs operating in countries in which the government has mandated sectoral credit allocations need to be aware of these mandates, both as possible funding sources and as potential excess supply ...
... example, below-market interest rates. MFIs operating in countries in which the government has mandated sectoral credit allocations need to be aware of these mandates, both as possible funding sources and as potential excess supply ...
الصفحة 20
... example of the usefulness of an effective legal environment when providing microfinance (box 1.8). Financial Sector Regulation and Supervision One of the most important issues in microfinance today is the regulation and supervision of ...
... example of the usefulness of an effective legal environment when providing microfinance (box 1.8). Financial Sector Regulation and Supervision One of the most important issues in microfinance today is the regulation and supervision of ...
الصفحة 21
... Examples of financial repression are imposed interest rate ceilings, subsidized credit, and tax structures that ... example of the importance of regulating growing financial intermediaries (box 1.9). The Finansol case highlights ...
... Examples of financial repression are imposed interest rate ceilings, subsidized credit, and tax structures that ... example of the importance of regulating growing financial intermediaries (box 1.9). The Finansol case highlights ...
الصفحة 24
... example, an unsecured loan to an unknown entity is of high risk and would therefore likely be risk-weighted at 100 percent. A fully secured loan to the government of an industrial country poses little risk and would be risk-weighted at ...
... example, an unsecured loan to an unknown entity is of high risk and would therefore likely be risk-weighted at 100 percent. A fully secured loan to the government of an industrial country poses little risk and would be risk-weighted at ...
الصفحة 26
... example, provide very different services, they cannot report the same information. To respond to this issue, nonbank financial institutions have created an association to act as an advocate on their behalf. These observations lead to ...
... example, provide very different services, they cannot report the same information. To respond to this issue, nonbank financial institutions have created an association to act as an advocate on their behalf. These observations lead to ...
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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