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 24
... portfolio will not be repaid. Most MFIs do not require formal collateral and instead base their loan decisions on character, group solidarity, and past repayment history. In many countries, bank regulations limit the percentage of the ...
... portfolio will not be repaid. Most MFIs do not require formal collateral and instead base their loan decisions on character, group solidarity, and past repayment history. In many countries, bank regulations limit the percentage of the ...
الصفحة 30
... portfolio risk, ownership and governance, management, and “new industry.” Portfolio risk was discussed in the main text of chapter 1. The remaining risks are discussed below. The following discussion is taken from Berenbach and ...
... portfolio risk, ownership and governance, management, and “new industry.” Portfolio risk was discussed in the main text of chapter 1. The remaining risks are discussed below. The following discussion is taken from Berenbach and ...
الصفحة 31
... portfolio turnover, and the requirement for efficient service delivery make accurate and current portfolio information essential for effective MFI management. In general, MFIs have not focused on providing adequate and appropriate ...
... portfolio turnover, and the requirement for efficient service delivery make accurate and current portfolio information essential for effective MFI management. In general, MFIs have not focused on providing adequate and appropriate ...
الصفحة 44
... portfolio has to grow by increasing the number of clients rather than increasing loan amounts to good clients) I Difficulty in mobilizing long-term savings, since households are accustomed to seasonal savings buildup and liquidation ...
... portfolio has to grow by increasing the number of clients rather than increasing loan amounts to good clients) I Difficulty in mobilizing long-term savings, since households are accustomed to seasonal savings buildup and liquidation ...
الصفحة 57
... PORTFOLIO. This approach looks at the household, the individual, his or her economic activity, and the local society in which he or she is embedded and traces interactions among them. Such an analysis is difficult and costly and usually ...
... PORTFOLIO. This approach looks at the household, the individual, his or her economic activity, and the local society in which he or she is embedded and traces interactions among them. Such an analysis is difficult and costly and usually ...
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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