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 15
... programs result in high arrears, generate losses both for the financial institutions administering the programs and for the government or donor agencies, and depress institutional savings and, consequently, the development of profitable ...
... programs result in high arrears, generate losses both for the financial institutions administering the programs and for the government or donor agencies, and depress institutional savings and, consequently, the development of profitable ...
الصفحة 16
... program of directed subsidized credit for rice farmers until 1983. The unit desa system was established in 1984 as a separate profit center within the bank. The unit desa system is a nationwide network of small village banks. The ...
... program of directed subsidized credit for rice farmers until 1983. The unit desa system was established in 1984 as a separate profit center within the bank. The unit desa system is a nationwide network of small village banks. The ...
الصفحة 17
... programs Low level of technical expertise, especially in financial and information systems Frequent lack of sufficient resources to expand programs Isolated manner of operation Little interaction or knowledge about government activity ...
... programs Low level of technical expertise, especially in financial and information systems Frequent lack of sufficient resources to expand programs Isolated manner of operation Little interaction or knowledge about government activity ...
الصفحة 18
... program design, and providing them with the requisite technical support and financing instruments to implement successful microfinance programs. Multilateral development banks should be cautious about flooding the sector with financial ...
... program design, and providing them with the requisite technical support and financing instruments to implement successful microfinance programs. Multilateral development banks should be cautious about flooding the sector with financial ...
الصفحة 21
... programs” and target credit, rather than focus on meeting existing demand for financial services. MFIs should also be regulated when they reach the size at which their failure would have consequences that reach far beyond owners and ...
... programs” and target credit, rather than focus on meeting existing demand for financial services. MFIs should also be regulated when they reach the size at which their failure would have consequences that reach far beyond owners and ...
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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