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 13
... cash flow. Little if any paperwork is involved in applying for a loan (Krahnen and Schmidt 1994, 32). Depending on historical factors and the country's level of economic development, various combinations of these suppliers are present ...
... cash flow. Little if any paperwork is involved in applying for a loan (Krahnen and Schmidt 1994, 32). Depending on historical factors and the country's level of economic development, various combinations of these suppliers are present ...
الصفحة 24
... cash (or near-cash) relative to the MFI's demand for cash. MFIs are exposed to high levels of liquidity risk: seasonal factors influence many of their clients; MFIs tend to depend on donors, whose funding can be unpredictable; and their ...
... cash (or near-cash) relative to the MFI's demand for cash. MFIs are exposed to high levels of liquidity risk: seasonal factors influence many of their clients; MFIs tend to depend on donors, whose funding can be unpredictable; and their ...
الصفحة 27
... cash flow needs), which allow for periodic adjustment of interest rates. If MFIs borrow funds in a currency other than their own (such as U.S. dollars), inflation can result in either foreign exchange gains or losses. Both donors and ...
... cash flow needs), which allow for periodic adjustment of interest rates. If MFIs borrow funds in a currency other than their own (such as U.S. dollars), inflation can result in either foreign exchange gains or losses. Both donors and ...
الصفحة 33
... cash flow and capacity for debt must match the services being offered. Once a target market is selected, it is important to determine if that market is in fact being reached and what impact the provision of financial services has on ...
... cash flow and capacity for debt must match the services being offered. Once a target market is selected, it is important to determine if that market is in fact being reached and what impact the provision of financial services has on ...
الصفحة 35
... Cash flow is the comparison of cash inflows and outflows. Debt capacity is the amount of additional debt a client can take on without running the risk of inadequate cash flow and consequent loan default.1 MFIs need to consider debt ...
... Cash flow is the comparison of cash inflows and outflows. Debt capacity is the amount of additional debt a client can take on without running the risk of inadequate cash flow and consequent loan default.1 MFIs need to consider debt ...
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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