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 7
... structures, governance, and institutional capacity, and also provides information on accessing capital markets for funding. Part II—Designing and Monitoring Financial Products and Services Chapter 5–Designing Lending Products provides ...
... structures, governance, and institutional capacity, and also provides information on accessing capital markets for funding. Part II—Designing and Monitoring Financial Products and Services Chapter 5–Designing Lending Products provides ...
الصفحة 13
... structure of government regulation and supervision. They include local moneylenders, pawnbrokers, self-help groups, and NGOs, as well as the savings of family members who contribute to the microenterprise. Often they do not comply with ...
... structure of government regulation and supervision. They include local moneylenders, pawnbrokers, self-help groups, and NGOs, as well as the savings of family members who contribute to the microenterprise. Often they do not comply with ...
الصفحة 18
... structure of microfinance, interest rate restrictions usually undermine an institution's ability to operate efficiently and competitively (Rock and Otero 1997, 23). Typically, restrictions do not achieve their public policy purpose of ...
... structure of microfinance, interest rate restrictions usually undermine an institution's ability to operate efficiently and competitively (Rock and Otero 1997, 23). Typically, restrictions do not achieve their public policy purpose of ...
الصفحة 21
... structures that discourage investment in microfinance. Governments must also ensure that supervisory bodies have the ... structure. Furthermore, managing a microloan portfolio differs in important ways from managing a conventional bank ...
... structures that discourage investment in microfinance. Governments must also ensure that supervisory bodies have the ... structure. Furthermore, managing a microloan portfolio differs in important ways from managing a conventional bank ...
الصفحة 22
... structure, and currencies, the risk features of MFIs differ significantly from those of commercial banks. This is due primarily to the MFIs' client base (low-income, assetless clients requiring small loans), lending models (small ...
... structure, and currencies, the risk features of MFIs differ significantly from those of commercial banks. This is due primarily to the MFIs' client base (low-income, assetless clients requiring small loans), lending models (small ...
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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