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 12
... rural institutions often pro- vide agricultural loans as a means of developing the rural sector. Funding sources include government-distributed and foreign capital, with savings and deposits as sec- ondary sources. Processing of ...
... rural institutions often pro- vide agricultural loans as a means of developing the rural sector. Funding sources include government-distributed and foreign capital, with savings and deposits as sec- ondary sources. Processing of ...
الصفحة 13
... Rural banks Postal savings banks Labor banks Cooperative banks Development banks State-owned Private Other nonbank institutions Finance companies Term-lending institutions Building societies and credit unions Contractual savings ...
... Rural banks Postal savings banks Labor banks Cooperative banks Development banks State-owned Private Other nonbank institutions Finance companies Term-lending institutions Building societies and credit unions Contractual savings ...
الصفحة 14
... rural financial markets in Mexico. These mar- kets proved to be shallow (only 45 percent of rural entrepreneurs received a credit transaction during 1992-94), segmented, noncompetitive, inefficient, and inequitable (showing strong ...
... rural financial markets in Mexico. These mar- kets proved to be shallow (only 45 percent of rural entrepreneurs received a credit transaction during 1992-94), segmented, noncompetitive, inefficient, and inequitable (showing strong ...
الصفحة 15
... rural credit 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 ...
... rural credit 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 ...
الصفحة 16
... rural economic activity, to replace subsidized credit with positive on-lending rates with spreads sufficient to cover all financial and operational intermediation costs, and to provide a full range of financial services (savings as well ...
... rural economic activity, to replace subsidized credit with positive on-lending rates with spreads sufficient to cover all financial and operational intermediation costs, and to provide a full range of financial services (savings as well ...
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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