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 148
... expenses and is not reinvested (only the principal is reinvested). Therefore, the average portfolio outstanding does not increase (unless revenue exceeds expenses). To compound the rate, the periodic internal rate of return must be ...
... expenses and is not reinvested (only the principal is reinvested). Therefore, the average portfolio outstanding does not increase (unless revenue exceeds expenses). To compound the rate, the periodic internal rate of return must be ...
الصفحة 149
... expenses of 200,000 on an average loan portfolio of 800,000 would yield a value of 0.25 for the AE rate. Included as administrative expenses (AE) are all annual recurrent costs except the cost of funds and loan losses, including ...
... expenses of 200,000 on an average loan portfolio of 800,000 would yield a value of 0.25 for the AE rate. Included as administrative expenses (AE) are all annual recurrent costs except the cost of funds and loan losses, including ...
الصفحة 150
... expenses of 25 percent of its average loan portfolio, 23.75 percent cost of funds (stated as a percentage of its average loan portfolio), loan losses of 2 percent, a desired capitalization rate of 15 percent, and investment income of ...
... expenses of 25 percent of its average loan portfolio, 23.75 percent cost of funds (stated as a percentage of its average loan portfolio), loan losses of 2 percent, a desired capitalization rate of 15 percent, and investment income of ...
الصفحة 156
... expense the system is still a benefit to them, particularly if they have school fees or some other expense coming up. Saving money at home is difficult and saving a few rupees a day in a bank is inefficient because the saver must visit ...
... expense the system is still a benefit to them, particularly if they have school fees or some other expense coming up. Saving money at home is difficult and saving a few rupees a day in a bank is inefficient because the saver must visit ...
الصفحة 161
... expense). If the head office determines that there is no excess funding within the system, it will then access external funding and on-lend it to its branches for a set price. The transfer price charged to branches (or paid to branches ...
... expense). If the head office determines that there is no excess funding within the system, it will then access external funding and on-lend it to its branches for a set price. The transfer price charged to branches (or paid to branches ...
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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