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 16
... determining its interest rates and other operating policies. In the 1980s the Indonesian government implemented financial sector reforms that deregulated certain interest rates and abolished interest rate ceilings. As the unit desa ...
... determining its interest rates and other operating policies. In the 1980s the Indonesian government implemented financial sector reforms that deregulated certain interest rates and abolished interest rate ceilings. As the unit desa ...
الصفحة 20
... determine the various legal sanctions available when clients do not adhere to their agreements and the ability and effectiveness of the courts to enforce financial contracts. The Alexandria Business Association provides a good example ...
... determine the various legal sanctions available when clients do not adhere to their agreements and the ability and effectiveness of the courts to enforce financial contracts. The Alexandria Business Association provides a good example ...
الصفحة 22
... determined that it needed access to more capital than its donors were able to provide through grants and guarantee funds in order to finance its impressive growth. It elected to create Finansol by buying the license of an existing ...
... determined that it needed access to more capital than its donors were able to provide through grants and guarantee funds in order to finance its impressive growth. It elected to create Finansol by buying the license of an existing ...
الصفحة 24
... determined. Obviously, the lower the risk, the lower the risk-weighting, the lower the total assets, and, therefore, the lower the amount of required capital. Because capital is generally a more expensive source of funds than debt ...
... determined. Obviously, the lower the risk, the lower the risk-weighting, the lower the total assets, and, therefore, the lower the amount of required capital. Because capital is generally a more expensive source of funds than debt ...
الصفحة 25
... determined that a new type of legal institution was required for MFIs that wanted to begin mobilizing savings (box 1.11 describes Bolivia's initiative). In South Africa and the Philippines local MFIs have formed associations as a first ...
... determined that a new type of legal institution was required for MFIs that wanted to begin mobilizing savings (box 1.11 describes Bolivia's initiative). In South Africa and the Philippines local MFIs have formed associations as a first ...
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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