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
... received a loan of her or his own from the MFI). I The screening of potential clients by credit checks and character references. I The tailoring of the loan size and term to business needs. I The frequent increase over time of the loan ...
... received a loan of her or his own from the MFI). I The screening of potential clients by credit checks and character references. I The tailoring of the loan size and term to business needs. I The frequent increase over time of the loan ...
الصفحة 70
... receiving the full amount collected in the period until all members have had a turn to receive funds. The order in which members receive funds is determined by lottery, mutual agreement, or need or personal emergencies of the group ...
... receiving the full amount collected in the period until all members have had a turn to receive funds. The order in which members receive funds is determined by lottery, mutual agreement, or need or personal emergencies of the group ...
الصفحة 72
... receiving a loan, sometimes as a percentage of the loan, sometimes as a nominal amount. For the most part, compulsory savings can be considered part of a loan product rather than an actual savings product, since they are so closely tied ...
... receiving a loan, sometimes as a percentage of the loan, sometimes as a nominal amount. For the most part, compulsory savings can be considered part of a loan product rather than an actual savings product, since they are so closely tied ...
الصفحة 77
... receiving some capacity-building assistance. There is a range of capacity-building that can take place with social intermediation. Some MFIs simply focus on developing group cohesiveness to ensure that members continue to guarantee each ...
... receiving some capacity-building assistance. There is a range of capacity-building that can take place with social intermediation. Some MFIs simply focus on developing group cohesiveness to ensure that members continue to guarantee each ...
الصفحة 80
... received credit alone and those that received an integrated enterprise development services and credit package. I Cost and impact. According to Rhyne and Holt (1994), “these [enterprise development service] programs tend to fall into ...
... received credit alone and those that received an integrated enterprise development services and credit package. I Cost and impact. According to Rhyne and Holt (1994), “these [enterprise development service] programs tend to fall into ...
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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