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 20
... payment is still not forthcoming, the lawyer will take one of two routes: send a memo to the police and guide them to the borrower, or—if the lawyer is concerned about bribery of the police by the borrower— direct recourse to the courts ...
... payment is still not forthcoming, the lawyer will take one of two routes: send a memo to the police and guide them to the borrower, or—if the lawyer is concerned about bribery of the police by the borrower— direct recourse to the courts ...
الصفحة 21
... payments system I Protect depositors I Encourage financial sector competition and efficiency. To create an environment that is conducive to financial intermediation, governments and policymakers must ensure that financial regulation ...
... payments system I Protect depositors I Encourage financial sector competition and efficiency. To create an environment that is conducive to financial intermediation, governments and policymakers must ensure that financial regulation ...
الصفحة 25
... payment orders, foreign exchange operations, and the purchase and sale of foreign currencies. In addition, they may receive savings and time deposits and contract obligations with second-tier banking institutions pursuant to the limits ...
... payment orders, foreign exchange operations, and the purchase and sale of foreign currencies. In addition, they may receive savings and time deposits and contract obligations with second-tier banking institutions pursuant to the limits ...
الصفحة 35
... payment. Borrowers are able to repay their loans on time without suffering hardship only when their repayment capacity equals or exceeds the debt service due according to the loan contract. These simple, self-evident relationships ...
... payment. Borrowers are able to repay their loans on time without suffering hardship only when their repayment capacity equals or exceeds the debt service due according to the loan contract. These simple, self-evident relationships ...
الصفحة 44
... payments. Some technical assistance may also be required, resulting in further time and cost increases. Also, unstable survivors often need credit for consumption-smoothing rather than income-generating activities. Depending on the ...
... payments. Some technical assistance may also be required, resulting in further time and cost increases. Also, unstable survivors often need credit for consumption-smoothing rather than income-generating activities. Depending on the ...
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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