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 28
... lending. By the end of 1996 the fund was active in 170 villages in 10 districts ... loan repayment, with only one village fund failing to repay. This success ... term benefits for the rural poor, especially for the poorest of the poor, by ...
... lending. By the end of 1996 the fund was active in 170 villages in 10 districts ... loan repayment, with only one village fund failing to repay. This success ... term benefits for the rural poor, especially for the poorest of the poor, by ...
الصفحة 39
... word of mouth. The gender of loan officers may also affect the level of female participation, depending on the social ... loan sizes and short loan terms. “The median loan size for female-based programs is US$162, compared to US$768 for ...
... word of mouth. The gender of loan officers may also affect the level of female participation, depending on the social ... loan sizes and short loan terms. “The median loan size for female-based programs is US$162, compared to US$768 for ...
الصفحة 43
... terms. Loan terms are on average between 10 and 34 months; repayment is monthly; average loan sizes vary from US$1,000 to US$10,000 for microenterprises; interest rates range from 2.2 percent to 3 percent a month. Source: Benjamin and ...
... terms. Loan terms are on average between 10 and 34 months; repayment is monthly; average loan sizes vary from US$1,000 to US$10,000 for microenterprises; interest rates range from 2.2 percent to 3 percent a month. Source: Benjamin and ...
الصفحة 44
... loan sizes tend to remain small and the risk of business failure is high ... term the choice to focus on unstable survivors will likely be a time-bound ... loan portfolio has to grow by increasing the number of clients rather than ...
... loan sizes tend to remain small and the risk of business failure is high ... term the choice to focus on unstable survivors will likely be a time-bound ... loan portfolio has to grow by increasing the number of clients rather than ...
الصفحة 45
... financing needs, which directly influence the choices made by the MFI and the products and services provided. Table 2.1 identifies the loan purpose, the loan term, and the collateral available for each of the three primary sectors ...
... financing needs, which directly influence the choices made by the MFI and the products and services provided. Table 2.1 identifies the loan purpose, the loan term, and the collateral available for each of the three primary sectors ...
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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