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 27
An Institutional and Financial Perspective Joanna Ledgerwood. cost to MFIs (and their clients) that must be covered by the interest generated on loans. MFIs can and do operate in countries with high rates of inflation. One possible means ...
An Institutional and Financial Perspective Joanna Ledgerwood. cost to MFIs (and their clients) that must be covered by the interest generated on loans. MFIs can and do operate in countries with high rates of inflation. One possible means ...
الصفحة 28
... interest rate at 5 percent per year, with repayment of principal pegged to the U.S. dollar. In 1995 inflation had decreased to 6 percent, and the Albanian Development Fund began charging 10 percent, with loan repayment no longer pegged ...
... interest rate at 5 percent per year, with repayment of principal pegged to the U.S. dollar. In 1995 inflation had decreased to 6 percent, and the Albanian Development Fund began charging 10 percent, with loan repayment no longer pegged ...
الصفحة 47
... interest subsidy, and loan losses in the system. Assuming a default rate of 10 percent, the findings suggest that the value of the extra agricultural output triggered by the targeted credit almost covered the government's cost of ...
... interest subsidy, and loan losses in the system. Assuming a default rate of 10 percent, the findings suggest that the value of the extra agricultural output triggered by the targeted credit almost covered the government's cost of ...
الصفحة 66
... cost advantages for the MFI and allows it to maintain a clear focus, since it develops and provides only one service to ... interest rate charged on the loan, it makes sense to borrow rather than postpone the business activity until ...
... cost advantages for the MFI and allows it to maintain a clear focus, since it develops and provides only one service to ... interest rate charged on the loan, it makes sense to borrow rather than postpone the business activity until ...
الصفحة 73
... interest rates based on its experience with traditional village groups providing loans to their members or informal sources of financial services. In 1996 the nominal interest rate on deposits was on average 21 percent;, with an inflation ...
... interest rates based on its experience with traditional village groups providing loans to their members or informal sources of financial services. In 1996 the nominal interest rate on deposits was on average 21 percent;, with an inflation ...
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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