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Author : Bikki K. Randhawa,Orlando J. Sacay
Publisher : World Bank Publications
Page : 46 pages
File Size : 40,8 Mb
Release : 1997-01-01
Category : Business & Economics
ISBN : 0821340026
Banking.
Author : Malcolm Harper,Sukhwinder Singh Arora
Publisher : The Energy and Resources Institute (TERI)
Page : 324 pages
File Size : 43,9 Mb
Release : 2005-01-01
Category : Business & Economics
ISBN : 8179930661
Text: Published in collaboration with Practical Action Publishing (London), this book shows commercial bankers that providing micro-finance services to the poor makes good business sense.
Author : Sumit Agarwal,Thomas Kigabo,Ms.Camelia Minoiu,Andrea Presbitero,Andre Silva
Publisher : International Monetary Fund
Page : 55 pages
File Size : 54,8 Mb
Release : 2018-09-28
Category : Business & Economics
ISBN : 9781484376362
We examine the impact of a large-scale microcredit expansion program on financial access and the transition of previously unbanked borrowers to commercial banks. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. A sizable share of first-time borrowers who need a second loan switch to commercial banks, which cream-skim low-risk borrowers and grant them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already at commercial banks and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a well-functioning credit reference bureau, help mitigate information frictions in credit markets.
Author : Deborah Drake,Elisabeth Rhyne
Publisher : Unknown
Page : 344 pages
File Size : 45,7 Mb
Release : 2002
Category : Business & Economics
ISBN : UOM:39015055088762
* Addresses key issues related to bringing microfinance into the commercial realm * Written by prominent practitioners and scholars from a variety of organizations While many microfinance organizations started as NGOs, there is now a growing movement for them to transform into regulated, for-profit entities. Concurrently, commercial banks, credit unions, and specialized investors are also entering the market. The Commercialization of Microfinance synthesizes case studies from Latin America and beyond, delving into the trends and challenges of converting microfinance institutions into commercial entities. Prepared by ACCION, this book will be essential reading for anyone interested in understanding how the world of microfinance is changing, and how that world affects the broader processes of development.
Author : Eugene Versluysen
Publisher : Unknown
Page : 280 pages
File Size : 44,7 Mb
Release : 1999
Category : Banks and banking
ISBN : UCSC:32106015776682
Focuses on the growth of microfinance in the context of social and economic changes and upheavals in developing countries. Presesnts the experiences and achievements of microfinance institutions and their clients in the form of country-based case studies.
Author : Ira W. Lieberman,Paul DiLeo,Todd A. Watkins
Publisher : Brookings Institution Press
Page : 493 pages
File Size : 55,8 Mb
Release : 2020-06-30
Category : Business & Economics
ISBN : 9780815737643
A major source of financing for the poor and no longer a niche industry Over the past four decades, microfinance—the provision of loans, savings, and insurance to small businesses and entrepreneurs shut out of traditional capital markets—has grown from a niche service in Bangladesh and a few other countries to a significant global source of financing. Some 200 million people globally now receive support from microfinance institutions, with most of the recipients in the developing world. In the beginning, much of the microfinance industry was managed by non-governmental organizations, but today the majority of these institutions are commercial and regulated by governments, and they provide safe places for the poor to save, as well as offering much-needed capital and other financial services. Now out of infancy, the microfinance industry faces major challenges, including its ability to deal with mobile banking and other technology and concerns that some markets are now over-saturated with microfinance. How the industry deals with these and other challenges will determine whether it will continue to grow or will be subsumed within the larger global financial sector. This book is based on the results of a workshop at Lehigh University among thirty-four leaders in the industry. The editors, working with contributions from more than a dozen leading authorities in the field, tell the important story of how microfinance developed, how it has met the needs of hundreds of millions of people, and they address key questions about how it can continue to meet those needs in the future.
Author : Sylvie K. Bossoutrot
Publisher : World Bank Publications
Page : 115 pages
File Size : 52,6 Mb
Release : 2005-10-18
Category : Business & Economics
ISBN : 9780821363874
In Russia, small-scale entrepreneurship has emerged in response to the collapse of state-ownership and unemployment in the early 1990s. Small businesses typically lack adequate collateral and credit history, making them 'unbankable' by the mainstream financial sector. To fund their businesses, micro-entrepreneurs are forced to rely on funds from family and friends, or money lenders. Microfinance institutions of four types have emerged to meet the unfulfilled financing needs of micro-entrepreneurs: commercial banks, specialized NGO-type microfinance institutions, membership-based institutions (such as rural cooperatives and credits unions), and public funds. All four types have enjoyed significant growth in Russia in the past five years, but the industry is still at an early stage of development. Demand appears to far outweigh supply. 'Microfinance in Russia' provides an overview of microfinance in Russia to date, presenting industry trends and identifying key challenges to sustainable growth of the industry.
Author : Todd A Watkins
Publisher : World Scientific Publishing Company
Page : 472 pages
File Size : 41,5 Mb
Release : 2018-04-09
Category : Business & Economics
ISBN : 9789813140752
Author : Marguerite S. Robinson
Publisher : World Bank Publications
Page : 524 pages
File Size : 48,8 Mb
Release : 2001
Category : Business & Economics
ISBN : 0821349538
??? ... Microfinance is the method whereby financial services and credit is made available to the economically active but low income people of developiong countries. This book focusses on three key aspects of the phenomenon: 1) the shift from government- and donor-subsidized credit delivery systems to self-sufficient, sustainable microfinance institutions; 2) the results on the ground, on the way in which microfinance is helps people expand and diversify their enterprises, increase their incomes, raise their living standards and those of theri families, and boost their self-confidence; 3) the theroretical frameworks that had previously impeded the microfinance revolution, with suggestions for their improvement.
Author : Mwangi S. Kimenyi,Robert C. Wieland
Publisher : Routledge
Page : 243 pages
File Size : 54,6 Mb
Release : 2019-05-23
Category : Business & Economics
ISBN : 9780429791369
First published in 1998, this collection of essays by eminent microfinance practitioners provides a range of perspectives on contemporary issues in the field. Different approaches are proposed for achieving improved access by the poor to financial services. The common denominator in these essays is financial sustainability for the service provider. Issues addressed include: is savings mobilization integral to microfinance and, if so, how should it be incorporated in new programs? Are borrower groups a necessary element of successful microfinance programs? Are NGOs the right institutional vehicle for sustainable microfinance interventions? Is standardized and generalizable microfinance credit rating system feasible? While there is considerable diversity in the approaches recommended in these essays, the importance of cost efficiency and cost recovery forms the basis for most of the discussions.
Author : Brigit Helms
Publisher : World Bank Publications
Page : 186 pages
File Size : 41,9 Mb
Release : 2006-01-01
Category : Business & Economics
ISBN : 9780821363614
"Beginning with key questions about clients of microfinance - Who are they? What financial services do they want? What is the impact of financial services on their lives? - the book examines all levels of the financial system. It shows what works, what does not work, and where more learning is needed. By focusing on promising models and practices, it offers a vision of how to achieve financial systems that will ultimately offer access for all."--BOOK JACKET.
Author : Stephanie Charitonenko,Ismah Afwan
Publisher : Unknown
Page : 88 pages
File Size : 44,8 Mb
Release : 2003
Category : Financial institutions
ISBN : UCSD:31822033227703
This study is the fourth of a series of publications resulting from a regional technical assistance project on commercialization of microfinance. The series comprises four country reports (on Bangladesh, Indonesia, Philippines, and Sri Lanka) and a regional report on perspectives on commercialization from South and Southeast Asia. This report: analyzes the progress toward commercialization of Indonesia's highly diversified and predominantly formal microfinance industry; explores the implications of commercialization and the remaining challenges to expanding outreach on a sustainable basis; recommends positive approaches to the expansion of commercial microfinance while preserving the traditional social objective of MFIs of expanding access of the poor to demand-driven, sustainable financial services.
Author : Anonim
Publisher : World Bank Publications
Page : 46 pages
File Size : 42,7 Mb
Release : 2005
Category : Bank
ISBN : 8210379456XXX
Abstract: The authors investigate the microfinance regulatory regimes in Benin, Ghana, and Tanzania, with a view to identifying key issues and lessons on how the overall regulatory framework affects integration of microfinance institutions into the financial system. The authors find that recognizing different tiers of both regulated and unregulated institutions in a financial structure facilitates financial deepening and outreach to otherwise underserved groups in urban and rural areas. That environment promotes sustainable microfinance under shared performance standards and encourages regulatory authorities to develop appropriate prudential regulations and staff capacity. Case studies of the three countries raise important issues on promoting microfinance development vis-à-vis regulating them. Laws to regulate activities other than intermediation of public deposits into loans can result in disproportionately restrictive and unmanageable standards, even as dynamic microfinance sectors have emerged without conducive regulatory regimes. The authors use the three countries' regulatory experiences to highlight the importance of differentiating when prudential supervision is warranted and when regulatory oversight suffices, and to identify the agencies to carry out regulation. They address an important issue that has received scant attention, measuring and paying for the costs of regulating microfinance, and the need to build technical capacity of supervisory and regulatory staff.
Author : Mr.Rodolphe Blavy,Mr.Murat  Yulek,Mr.Anupam Basu
Publisher : International Monetary Fund
Page : 24 pages
File Size : 52,9 Mb
Release : 2004-09-01
Category : Business & Economics
ISBN : 9781451858723
Based on the experience of selected countries, this paper offers a critical presentation of the development of the microfinance sector in Africa. The paper supports the view that microfinance institutions, especially those engaged in full financial intermediation, complement effectively the banking sector in extending financial services and successfully draw on the rich experience of community-based development and preexisting informal methods of financial intermediation in Africa. Growing linkages between microfinance institutions and the banking system and the dissemination of good practices by nongovernment organizations contribute to the sound development of the sector, supported by regulation and supervision by local authorities.
Author : Stephanie Charitonenko,S. M. Rahman
Publisher : Unknown
Page : 76 pages
File Size : 49,6 Mb
Release : 2002
Category : Business & Economics
ISBN : UCSD:31822033131798
Analyzing the progress toward commercialization made in Bangladesh's relatively developed and competitive microfinance industry, this report explores the challenges and implications for various types of stakeholders. Recommendations for positive approaches to improve commercialization of microfinance while preserving the social objectives of microfinance institutions are covered in detail.
