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 22
... loan portfolio, a proven lending methodology, and consistent operational profitability. Nevertheless, several ... losses eroded Finansol's net worth to such an extent that it violated the superintendency's rule that a regulated financial ...
... loan portfolio, a proven lending methodology, and consistent operational profitability. Nevertheless, several ... losses eroded Finansol's net worth to such an extent that it violated the superintendency's rule that a regulated financial ...
الصفحة 24
... loan to an unknown entity is of high risk and would therefore likely be risk-weighted at 100 percent. A fully ... loss-provisioning policies should be enforced, commensurate with loan maturities, riskweighting that considers the quality ...
... loan to an unknown entity is of high risk and would therefore likely be risk-weighted at 100 percent. A fully ... loss-provisioning policies should be enforced, commensurate with loan maturities, riskweighting that considers the quality ...
الصفحة 27
... loan contract to a hard currency such as the U.S. dollar or to a commodity. Other means include maintaining funding ... losses. Both donors and practitioners need to determine who will benefit from these potential gains or will cover these ...
... loan contract to a hard currency such as the U.S. dollar or to a commodity. Other means include maintaining funding ... losses. Both donors and practitioners need to determine who will benefit from these potential gains or will cover these ...
الصفحة 36
An Institutional and Financial Perspective Joanna Ledgerwood. To determine potential clients' debt ... loan. Adjusting the debt capacity of a borrower for risk should reflect ... loss” (Chaves and Gonzalez-Vega 1994). For example, a borrower's ...
An Institutional and Financial Perspective Joanna Ledgerwood. To determine potential clients' debt ... loan. Adjusting the debt capacity of a borrower for risk should reflect ... loss” (Chaves and Gonzalez-Vega 1994). For example, a borrower's ...
الصفحة 42
... loss. The bank and the entrepreneur share the risk of a project. Islamic banks can neither charge nor pay interest ... loan products or terms suited to the borrower. The ability to both borrow and save with an MFI may increase ...
... loss. The bank and the entrepreneur share the risk of a project. Islamic banks can neither charge nor pay interest ... loan products or terms suited to the borrower. The ability to both borrow and save with an MFI may increase ...
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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