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 4
... financial institutions, by expanding their markets for both savings and credit—and, potentially, their profitability ... services that meet the needs of small savers. What. Are. the. Risks. of. Microfinance? Sound microfinance activities ...
... financial institutions, by expanding their markets for both savings and credit—and, potentially, their profitability ... services that meet the needs of small savers. What. Are. the. Risks. of. Microfinance? Sound microfinance activities ...
الصفحة 5
An Institutional and Financial Perspective Joanna Ledgerwood. of funds, making it essential for donors and practitioners to operate from the same perspective if they are to meet effectively the substantial need for financial services. In ...
An Institutional and Financial Perspective Joanna Ledgerwood. of funds, making it essential for donors and practitioners to operate from the same perspective if they are to meet effectively the substantial need for financial services. In ...
الصفحة 6
... services that they provide. Part II incorporates some basic financial theory and, accordingly, readers should have a basic understanding of financial management. Readers should also be familiar with using a financial calculator ...
... services that they provide. Part II incorporates some basic financial theory and, accordingly, readers should have a basic understanding of financial management. Readers should also be familiar with using a financial calculator ...
الصفحة 7
... services that low-income entrepreneurs might demand, including financial and social intermediation, enterprise development, and social services. An overview of wellknown microfinance approaches is presented in the appendix. Chapter 4 ...
... services that low-income entrepreneurs might demand, including financial and social intermediation, enterprise development, and social services. An overview of wellknown microfinance approaches is presented in the appendix. Chapter 4 ...
الصفحة 11
... Financial sector policies and legal environment I Interest rate restrictions I Government mandates IFinancial ... services to the poor. Understanding these factors and their effect on microfinance is called assessing the country context. This ...
... Financial sector policies and legal environment I Interest rate restrictions I Government mandates IFinancial ... services to the poor. Understanding these factors and their effect on microfinance is called assessing the country context. This ...
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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