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 27
... equity (if possible), and providing short-term loans (ensuring that they match the clients 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. ...
... equity (if possible), and providing short-term loans (ensuring that they match the clients 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. ...
الصفحة 36
... Equity Requirement In addition to assessing clients' debt capacity, MFIs should consider clients' ability to contribute a minimum amount of equity. In other words, loans should not finance the entire business activity. Some MFIs set a ...
... Equity Requirement In addition to assessing clients' debt capacity, MFIs should consider clients' ability to contribute a minimum amount of equity. In other words, loans should not finance the entire business activity. Some MFIs set a ...
الصفحة 43
... equity and that credit should be arranged for 100 percent of the investment. Most MFIs prefer to focus on existing businesses, with perhaps a small portion of their portfolio invested in start-up businesses, thereby reducing their risk ...
... equity and that credit should be arranged for 100 percent of the investment. Most MFIs prefer to focus on existing businesses, with perhaps a small portion of their portfolio invested in start-up businesses, thereby reducing their risk ...
الصفحة 64
... equity and deliver a profit to its owners. In contrast, both government agencies and nongovernmental organizations (NGOs), despite their many differences, are service organizations rather than profitmaking institutions. Credit and ...
... equity and deliver a profit to its owners. In contrast, both government agencies and nongovernmental organizations (NGOs), despite their many differences, are service organizations rather than profitmaking institutions. Credit and ...
الصفحة 94
... equity, and the full, inflation-adjusted cost of debt. This is a requirement that any mature institution must meet, just like any commercial business. However, in most practical cases the real question is not whether an MFI is already ...
... equity, and the full, inflation-adjusted cost of debt. This is a requirement that any mature institution must meet, just like any commercial business. However, in most practical cases the real question is not whether an MFI is already ...
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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