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 67
... revenue or through a combination of grants and operating revenue. As micro- finance develops, clear principles are being established that lead to financially viable lending (box 3.1). Methods of credit delivery can generally be divided ...
... revenue or through a combination of grants and operating revenue. As micro- finance develops, clear principles are being established that lead to financially viable lending (box 3.1). Methods of credit delivery can generally be divided ...
الصفحة 68
... revenue base to cover the costs of delivering and maintaining the loans than group loans . The revenue base is the outstanding amount of a loan portfolio that is earning interest rev- enue . Because interest revenue is based on a ...
... revenue base to cover the costs of delivering and maintaining the loans than group loans . The revenue base is the outstanding amount of a loan portfolio that is earning interest rev- enue . Because interest revenue is based on a ...
الصفحة 80
... revenue as possible to cover the costs of deliver- ing the services. This is why some traditional providers (such as government agencies) have been in this arena— they know that enterprise development services must be subsidized. The ...
... revenue as possible to cover the costs of deliver- ing the services. This is why some traditional providers (such as government agencies) have been in this arena— they know that enterprise development services must be subsidized. The ...
الصفحة 82
... revenue from credit operations. Some have separate field agents to provide financial services and educational services to the same village bank. They regard education as a social service that can and should be subsidized by grants or ...
... revenue from credit operations. Some have separate field agents to provide financial services and educational services to the same village bank. They regard education as a social service that can and should be subsidized by grants or ...
الصفحة 94
... revenues from its operations be sufficient to cover all of its costs, including loan losses, the opportunity cost of equity, and the full, inflation-adjusted cost of debt. This is a requirement that any mature institution must meet ...
... revenues from its operations be sufficient to cover all of its costs, including loan losses, the opportunity cost of equity, and the full, inflation-adjusted cost of debt. This is a requirement that any mature institution must meet ...
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ACCION International activities adjusted analysis arrears average balance sheet Bank Rakyat Indonesia borrowers branches calculated capital cash flow chapter cial compulsory savings Crédit Agricole credit officers credit unions debt declining balance delinquent deposits disbursed donors effective rate enterprise development services equity example expenses financial institutions financial intermediation financial services financial statements fixed assets formal financial funds Grameen Bank impact incentive income statement increase inflation interest rate internal investment Ledgerwood lending liabilities loan amount loan loss reserve loan portfolio loan term management information system ment MFI’s Microcredit Microenterprise microentrepreneurs Microfinance Institutions Network NGOs operating costs organization outreach payments percent policies portfolio at risk portfolio outstanding profit programs ratio regulated repay return on assets revenue rural savings products savings services Source staff Sustainable Banking target market Thomas Dichter tion village banks Washington World Bank