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 v
... Interest Rate Policies 18 Government Mandates for Sectoral Credit Allocations Legal Enforcement of Financial Contracts 19 Financial Sector Regulation and Supervision 20 When Should MFIs Be Subject to Regulation? 21 Considerations When ...
... Interest Rate Policies 18 Government Mandates for Sectoral Credit Allocations Legal Enforcement of Financial Contracts 19 Financial Sector Regulation and Supervision 20 When Should MFIs Be Subject to Regulation? 21 Considerations When ...
الصفحة vii
... Interest Rates 140 How Do Fees or Service Charges Affect the Borrower and the MFI? 142 Cross-Subsidization of Loans 143 Calculating Effective Rates 143 Estimating the Effective Rate 144 Calculating the Effective Interest Rate with ...
... Interest Rates 140 How Do Fees or Service Charges Affect the Borrower and the MFI? 142 Cross-Subsidization of Loans 143 Calculating Effective Rates 143 Estimating the Effective Rate 144 Calculating the Effective Interest Rate with ...
الصفحة 11
... Interest rate restrictions I Government mandates IFinancial contract enforcement 2. Financial sector regulation and institutions 3. Economic and social policy I Economic stability I Poverty levels I Government policies through technical ...
... Interest rate restrictions I Government mandates IFinancial contract enforcement 2. Financial sector regulation and institutions 3. Economic and social policy I Economic stability I Poverty levels I Government policies through technical ...
الصفحة 15
... interest rate increases, indicating that, within a certain range, they are not interest rate sensitive. In fact, people are often willing to pay higher rates for better service. Continued and reliable access to credit and savings ...
... interest rate increases, indicating that, within a certain range, they are not interest rate sensitive. In fact, people are often willing to pay higher rates for better service. Continued and reliable access to credit and savings ...
الصفحة 16
... interest rates and other operating policies. In the 1980s the Indonesian government implemented financial sector reforms that deregulated certain interest rates and abolished interest rate ceilings. As the unit desa system struggled to ...
... interest rates and other operating policies. In the 1980s the Indonesian government implemented financial sector reforms that deregulated certain interest rates and abolished interest rate ceilings. As the unit desa system struggled 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