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 3
... subsidy-free, often locally managed institutions. 3. The potential to build on traditional systems. Microfinance activities sometimes mimic traditional systems (such as rotating savings and credit associations). They provide the same ...
... subsidy-free, often locally managed institutions. 3. The potential to build on traditional systems. Microfinance activities sometimes mimic traditional systems (such as rotating savings and credit associations). They provide the same ...
الصفحة 7
... subsidies. Adjustments are presented in two groups: standard entries that should be included in the financial statements and adjustments that restate financial results to reflect more accurately the financial position of an MFI. Chapter ...
... subsidies. Adjustments are presented in two groups: standard entries that should be included in the financial statements and adjustments that restate financial results to reflect more accurately the financial position of an MFI. Chapter ...
الصفحة 11
... subsidies for their operations. Informal financial. T. he overall political and economic environment of a country affects how microfinance is provided. Government economic and social polices, as well as the development level of the ...
... subsidies for their operations. Informal financial. T. he overall political and economic environment of a country affects how microfinance is provided. Government economic and social polices, as well as the development level of the ...
الصفحة 13
An Institutional and Financial Perspective Joanna Ledgerwood. through technical assistance or subsidies for their operations. Informal financial intermediaries operate outside the structure of government regulation and supervision. They ...
An Institutional and Financial Perspective Joanna Ledgerwood. through technical assistance or subsidies for their operations. Informal financial intermediaries operate outside the structure of government regulation and supervision. They ...
الصفحة 14
... subsidized interest rates had contributed to the bad image of rural finance. Few bankers from the private sector truly believed there was a business opportunity in this field. On the demand side, 75 percent of the households interviewed ...
... subsidized interest rates had contributed to the bad image of rural finance. Few bankers from the private sector truly believed there was a business opportunity in this field. On the demand side, 75 percent of the households interviewed ...
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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