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 23
... ratio of 12 to 1 or, stated the other way around, minimum capital of 8 percent of riskweighted assets. UNDERSTANDING THE COUNTRY CONTEXT 23 ConsiderationsWhen Regulating MFIs, p. 23 1.10 Enhancing the Effectiveness of Oversight, p. 23.
... ratio of 12 to 1 or, stated the other way around, minimum capital of 8 percent of riskweighted assets. UNDERSTANDING THE COUNTRY CONTEXT 23 ConsiderationsWhen Regulating MFIs, p. 23 1.10 Enhancing the Effectiveness of Oversight, p. 23.
الصفحة 24
... ratios. It is suggested that an initial capital-asset ratio be no lower than about 20 percent for MFIs, subject to downward adjustment as the institution and the industry gain experience. LIQUIDITY REQUIREMENTS. Liquidity refers to the ...
... ratios. It is suggested that an initial capital-asset ratio be no lower than about 20 percent for MFIs, subject to downward adjustment as the institution and the industry gain experience. LIQUIDITY REQUIREMENTS. Liquidity refers to the ...
الصفحة 26
... ratios were also mandated by the superintendency, requiring nonbank financial institutions to place 57 percent of their deposits in first and secondary reserves, leaving the institution with too little to invest in productive activities ...
... ratios were also mandated by the superintendency, requiring nonbank financial institutions to place 57 percent of their deposits in first and secondary reserves, leaving the institution with too little to invest in productive activities ...
الصفحة 71
... ratios are negatively correlated with high levels of inflation. Finally, the amounts of deposits are positively correlated with high levels of population density” (Paxton 1996a, 8). Furthermore, institutions operating with donor Box 3.5 ...
... ratios are negatively correlated with high levels of inflation. Finally, the amounts of deposits are positively correlated with high levels of population density” (Paxton 1996a, 8). Furthermore, institutions operating with donor Box 3.5 ...
الصفحة 81
... ratio of social staff to financial staff in the figure. 1.4 Ratio of social to financial staff 0.0 0.2 0.4 0.6 0.8 1.0 1.2 NGOs Credit unions Savings banks Banks Source: Paxton 1996a. FREEDOM FROM HUNGER IS AN INTERNATIONAL ...
... ratio of social staff to financial staff in the figure. 1.4 Ratio of social to financial staff 0.0 0.2 0.4 0.6 0.8 1.0 1.2 NGOs Credit unions Savings banks Banks Source: Paxton 1996a. FREEDOM FROM HUNGER IS AN INTERNATIONAL ...
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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