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 68
... outstanding amount of a loan portfolio that is earning interest revenue. Because interest revenue is based on a percentage of the amount lent, the larger the amount lent the greater the revenue and hence the more funds available to ...
... outstanding amount of a loan portfolio that is earning interest revenue. Because interest revenue is based on a percentage of the amount lent, the larger the amount lent the greater the revenue and hence the more funds available to ...
الصفحة 72
... outstanding. In this way, savings act as a form of collateral. Clients are thus not able to use their savings Box 3.7 Caisses Villageoises, Pays Dogon, Mali THE CAISSES VILLAGEOISES 72 MICROFINANCE HANDBOOK 3.6 The Role of Groups in ...
... outstanding. In this way, savings act as a form of collateral. Clients are thus not able to use their savings Box 3.7 Caisses Villageoises, Pays Dogon, Mali THE CAISSES VILLAGEOISES 72 MICROFINANCE HANDBOOK 3.6 The Role of Groups in ...
الصفحة 73
... outstanding deposit was $94, equivalent to 38 percent of GDP per capita. Each village bank set its own interest rates based on its experience with traditional village groups providing loans to their members or informal sources of ...
... outstanding deposit was $94, equivalent to 38 percent of GDP per capita. Each village bank set its own interest rates based on its experience with traditional village groups providing loans to their members or informal sources of ...
الصفحة 100
... outstanding loans (averaging US$2,325). While Caja Social serves numerous middle-income clients, a significant portion of its business is targeted at low-income clients. Nearly 20 percent of its clients earn less than US$3,000 annually ...
... outstanding loans (averaging US$2,325). While Caja Social serves numerous middle-income clients, a significant portion of its business is targeted at low-income clients. Nearly 20 percent of its clients earn less than US$3,000 annually ...
الصفحة 114
... Outstanding guarantees for which the central bank has a contingent liability were estimated at a maximum total claim of US$0.88 million. The actual and potential total loss on guarantees paid on bad debt was US$2.2 million. With 18,850 ...
... Outstanding guarantees for which the central bank has a contingent liability were estimated at a maximum total claim of US$0.88 million. The actual and potential total loss on guarantees paid on bad debt was US$2.2 million. With 18,850 ...
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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