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 101
... reserve equivalent to 25 percent of capital, and at least 10 percent of after-tax profits must be transferred to this reserve annually. The resolution specifies that it provide financing to persons engaged in activities characterized as ...
... reserve equivalent to 25 percent of capital, and at least 10 percent of after-tax profits must be transferred to this reserve annually. The resolution specifies that it provide financing to persons engaged in activities characterized as ...
الصفحة 106
... reserve requirements. As formal financial intermediaries, they may become subject to usury laws or other regulations that limit the MFI's ability to operate. For example, Centro de Creditos y Capacitacion Humanistica, Integral y ...
... reserve requirements. As formal financial intermediaries, they may become subject to usury laws or other regulations that limit the MFI's ability to operate. For example, Centro de Creditos y Capacitacion Humanistica, Integral y ...
الصفحة 107
... reserve requirement on savings deposits (15 percent for Cordobas accounts and 25 percent for dollar accounts), which ... reserves, and equity ratios. They do not pay corporate income taxes except when they pay dividends. A credit union ...
... reserve requirement on savings deposits (15 percent for Cordobas accounts and 25 percent for dollar accounts), which ... reserves, and equity ratios. They do not pay corporate income taxes except when they pay dividends. A credit union ...
الصفحة 116
... reserve to protect the corporation against any portfolio losses. This reserve amounts to roughly 5 percent of the portfolio. In this case the historic rate of default must be lower than 5 percent and likely less than 2 percent (the reserve ...
... reserve to protect the corporation against any portfolio losses. This reserve amounts to roughly 5 percent of the portfolio. In this case the historic rate of default must be lower than 5 percent and likely less than 2 percent (the reserve ...
الصفحة 149
... reserve requirements, should be used. For equity, the projected inflation rate should be used, because inflation represents a real annual reduction in the purchasing power of the organization's net worth. (Some experts argue in fact ...
... reserve requirements, should be used. For equity, the projected inflation rate should be used, because inflation represents a real annual reduction in the purchasing power of the organization's net worth. (Some experts argue in fact ...
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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