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 14
... loan services were analyzed. The study provided strong evidence about the ... loan from the formal financial sector. Rural entrepreneurs felt this would be too ... term credit lines. Second, they must keep their fixed costs low, with ...
... loan services were analyzed. The study provided strong evidence about the ... loan from the formal financial sector. Rural entrepreneurs felt this would be too ... term credit lines. Second, they must keep their fixed costs low, with ...
الصفحة 15
... term sustainability. Also, government microfinance programs are often ... loan recovery or pressure on the credit institutions to grant extensions to ... loan recovery purposes. This dampens the enthusiasm of even the conscientious ...
... term sustainability. Also, government microfinance programs are often ... loan recovery or pressure on the credit institutions to grant extensions to ... loan recovery purposes. This dampens the enthusiasm of even the conscientious ...
الصفحة 22
... loans. The license did not allow Finansol to accept general deposits from the public, however ... loan disbursement. This resulted in incentives for Corposol to disburse ... term structure, and currencies, the risk features of MFIs differ ...
... loans. The license did not allow Finansol to accept general deposits from the public, however ... loan disbursement. This resulted in incentives for Corposol to disburse ... term structure, and currencies, the risk features of MFIs differ ...
الصفحة 24
... loan to an unknown entity is of high risk and would therefore likely be risk-weighted at 100 percent. A fully ... term. If the organization is operating in a stable financial market, it may be able to deal with liquidity risk through short- ...
... loan to an unknown entity is of high risk and would therefore likely be risk-weighted at 100 percent. A fully ... term. If the organization is operating in a stable financial market, it may be able to deal with liquidity risk through short- ...
الصفحة 27
... loan contract to a hard currency such as the U.S. dollar or to a commodity. Other means include maintaining funding and assets in U.S. dollars, utilizing debt rather than equity (if possible), and providing short-term loans (ensuring ...
... loan contract to a hard currency such as the U.S. dollar or to a commodity. Other means include maintaining funding and assets in U.S. dollars, utilizing debt rather than equity (if possible), and providing short-term loans (ensuring ...
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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