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 36
... cash flow. It is then necessary to assess the degree of risk associated with this cash flow and other claims that may come before repaying the MFI loan. Adjusting the debt capacity of a borrower for risk should reflect reasonable ...
... cash flow. It is then necessary to assess the degree of risk associated with this cash flow and other claims that may come before repaying the MFI loan. Adjusting the debt capacity of a borrower for risk should reflect reasonable ...
الصفحة 45
... Cash flow is a constant concern, and they are very sensitive to output and raw material price changes. They often use second-hand equipment. Growth-oriented microenterprises may be an attractive target group, because they offer ...
... Cash flow is a constant concern, and they are very sensitive to output and raw material price changes. They often use second-hand equipment. Growth-oriented microenterprises may be an attractive target group, because they offer ...
الصفحة 67
... cash flow for repayment), they recognize that clients may need to use funds for a mixture of household or enterprise purposes. I Very small loans, appropriate for meeting the day-to-day financial requirements of businesses. Average loan ...
... cash flow for repayment), they recognize that clients may need to use funds for a mixture of household or enterprise purposes. I Very small loans, appropriate for meeting the day-to-day financial requirements of businesses. Average loan ...
الصفحة 68
... cash flow, debt capacity, historical financial results, collateral, and character. Formal sector lenders have also proven the usefulness of personal guarantors to motivate clients to repay loans. They have demonstrated the value of a ...
... cash flow, debt capacity, historical financial results, collateral, and character. Formal sector lenders have also proven the usefulness of personal guarantors to motivate clients to repay loans. They have demonstrated the value of a ...
الصفحة 72
... cash flow and make periodic contributions (important for loan repayment) I Help to build up the asset base of clients. However, compulsory savings are often perceived (rightly) by clients as a “fee” they must pay to participate and gain ...
... cash flow and make periodic contributions (important for loan repayment) I Help to build up the asset base of clients. However, compulsory savings are often perceived (rightly) by clients as a “fee” they must pay to participate and gain ...
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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