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Author : Abdul Ghafar Ismail,Abdelrahman Elzahi Saaid Ali
Publisher : Unknown
Page : 400 pages
File Size : 46,8 Mb
Release : 2018
Category : Economics
ISBN : 967418399X
Author : Essam Yassin Mohammed,Zenebe Bashaw Uraguchi
Publisher : Routledge
Page : 260 pages
File Size : 51,5 Mb
Release : 2017-12-12
Category : Business & Economics
ISBN : 9781351595124
More than one billion people still live below the poverty line – most of them in South Asia and Sub-Saharan Africa. Financial inclusion is a major issue, as more than three-quarters of the numbers of poor and disadvantaged women and men do not have access to financial products and services, such as bank accounts, affordable and suitable loans, and insurance. The key objective of this book is to provide practical case studies of financial inclusion, rather than focus on academic debates such as the ideological basis of promoting microfinance. Using the recently adopted Sustainable Development Goals as an overall framing of the issues, it shows how poor and disadvantaged women and men can be bankable if the right facilitation for maximizing opportunities and addressing constraints are in place. Case studies confirm that achieving inclusive and sustainable access to financial products and services goes beyond simply enabling poor and disadvantaged women and men to have access to credit, or the ability to open a bank account. Examples from Africa, Asia and Latin America demonstrate encouraging progress in making microcredit accessible to millions of poor people. The foremost challenge, however, has been to ensure that they have access to, and usage intensity of, suitable and affordable financial products and services that meet the needs of their livelihoods as well as risks and mitigation strategies. This requires understanding that poor and disadvantaged women and men do not exist in isolation from complex and interdependent functions in the financial system, which includes a number of actors, diversified services, constraints (not just symptoms) and capacities and incentives. Overall, the book provides a rich source of examples of how building inclusive financial systems can empower the world's poor – by increasing income and employment opportunities, securing livelihoods and reducing poverty.
Author : Tony Cavoli,Rashesh Shrestha
Publisher : Routledge
Page : 255 pages
File Size : 42,6 Mb
Release : 2021-03-05
Category : Business & Economics
ISBN : 9781000348910
The World Bank considers financial inclusion to be an enabler for at least 7 of the 17 United Nation’s sustainable development goals (SDGs). Financial inclusion, with its associated policy implications, is an important issue for ASEAN. This book examines the economic effects of financial inclusion. It explores issues surrounding measurement and impact of financial inclusion. The book looks at various, salient topics including measurement of financial inclusion, the impact of (various indicators of) financial inclusion on development outcomes and macroeconomic volatility using aggregate data, as well as the effects of financial inclusion on poverty and development outcomes using micro data.
Author : Thomas Fisher,M. S. Sriram
Publisher : Oxfam
Page : 396 pages
File Size : 54,5 Mb
Release : 2002
Category : Business & Economics
ISBN : 0855984880
Beyond Micro-Credit sets out how Indian Micro-Finance Initiatives are combining micro-finance with a wide range of development goals, these include not only poverty alleviation through providing savings, credit and insurance services but also promoting livelihoods, empowering women, building people's organizations and changing institutions.
Author : Joanna Ledgerwood
Publisher : World Bank Publications
Page : 302 pages
File Size : 45,9 Mb
Release : 1998-12-01
Category : Business & Economics
ISBN : 9780821384312
The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.
Author : Roberto Moro Visconti
Publisher : Ibidem Press
Page : 518 pages
File Size : 51,9 Mb
Release : 2011
Category : Electronic
ISBN : 383820252X
Microfinance is a successful financial innovation to help the poor to sort out credit exclusion, which is one of the poverty traps that prevent billions of underserved, especially women, from escaping atavistic misery. Interconnected poverty traps range from misuse of natural resources (from blood diamonds to the oil curse) to conflict traps, demographic booming, being landlocked with bad neighbors or exposed to unfreedom. Other traps concern cultural backwardness, unsafe drinking and sanitation, food shortage up to starvation, illnesses or climatic shocks, causing mass migrations and unfair globalization. Microfinance, a grass-roots movement to provide credit to the neediest, can greatly help to dismantle at least some of these poverty traps, and thousands of mostly small institutions are competing in a market where demand from the poorest for financial services is potentially unlimited - while supply is not.While the success of microfinance, often ignited by foreign aid funding, has gone beyond any expectation, enormous problems are still on the ground. The road towards what is now considered microfinance's optimal goal - maximization of outreach to the poorest, combined with financial self-sustainability - is still full of obstacles. Prof. Moro Visconti's book, covering a vacuum in the existing literature, considers state-of-the-art microfinance within a broader framework of sustainable and long-term socio-economic development. With an innovative and reader friendly approach, Moro Visconti introduces the reader to the multidimensional causes of poverty and possible remedies. A cultural approach to the poverty traps, mixing its anthropological causes with possible bottom-up remedies, including microfinance, emerges as a stunning innovation. The book aims at a broad readership from practitioners to students and academics, as well as readers simply interested in solutions to the world-wide poverty problems.
Author : Robert Cull,Asli Demirguc-Kunt,Jonathan Morduch
Publisher : MIT Press
Page : 519 pages
File Size : 49,8 Mb
Release : 2021-08-03
Category : Business & Economics
ISBN : 9780262544016
Experts report on the latest research on extending access to financial services to the 2.5 billion adults around the world who lack it. About 2.5 billion adults, just over half the world's adult population, lack bank accounts. If we are to realize the goal of extending banking and other financial services to this vast “unbanked” population, we need to consider not only such product innovations as microfinance and mobile banking but also issues of data accuracy, impact assessment, risk mitigation, technology adaptation, financial literacy, and local context. In Banking the World, experts take up these topics, reporting on new research that will guide both policy makers and scholars in a broader push to extend financial markets. The contributors consider such topics as the complexity of surveying people about their use of financial services; evidence of the impact of financial services on income; the occasional negative effects of financial services on poor households, including disincentives to work and overindebtedness; and tools for improving access such as nontraditional credit scores, financial incentives for banking, and identification technologies that can dramatically reduce loan default rates.
Author : Milford Bateman
Publisher : Zed Books Ltd.
Page : 261 pages
File Size : 55,6 Mb
Release : 2010-06-10
Category : Business & Economics
ISBN : 9781848138957
Since its emergence in the 1970s, microfinance has risen to become one of the most high-profile policies to address poverty in developing and transition countries. It is beloved of rock stars, movie stars, royalty, high-profile politicians and ‘troubleshooting’ economists. In this provocative and controversial analysis, Milford Bateman reveals that microfinance doesn’t actually work. In fact, the case for it has been largely built on hype, on egregious half-truths and – latterly – on the Wall Street-style greed of those promoting and working in microfinance. Using a multitude of case studies, from India to Cambodia, Bolivia to Uganda, Serbia to Mexico, Bateman demonstrates that microfi nance actually constitutes a major barrier to sustainable economic and social development, and thus also to sustainable poverty reduction. As developing and transition countries attempt to repair the devastation wrought by the global financial crisis, Why Doesn’t Microfinance Work? argues forcefully that the role of microfinance in development policy urgently needs to be reconsidered.
Author : Ben Rogaly,Thomas Fisher
Publisher : Oxfam
Page : 196 pages
File Size : 40,6 Mb
Release : 1999
Category : Business & Economics
ISBN : 0855984139
This is an analysis of the potential of community-based financial services to reduce poverty and combat social exclusion in Britain. From this base, the authors move to a critical review of the outcomes of microfinance interventions around the world. They consider innovative economic responses to poverty in countries such as Bangladesh and Bolivia. Then drawing on their own research, they set out ways to counter financial exclusion in Britain; how to enable people to build assets and acquire capital, and provide mechanisms for the wealth retention in communities deserted by conventional banks.
Author : Nadia Mansour,Lorenzo Mateo Bujosa Vadell
Publisher : Springer Nature
Page : 549 pages
File Size : 43,7 Mb
Release : 2023-07-26
Category : Business & Economics
ISBN : 9783031278600
This volume discusses the role and characteristics of Islamic finance and how it can contribute to a sustainable financial system. Islamic finance is not only for the 1.5 billion Muslims. Several countries are interested in it because it has interesting characteristics in terms of transparency and banking regulation. Although the origins of Islamic finance date back several centuries, its resurgence is relatively recent. From its modern beginnings in Egypt and Malaysia, Islamic finance is now a growing sector and its recent performance contrasts with that of conventional banks. Rapid growth and innovation are transforming the sector, driving economic development in an increasing number of jurisdictions, while also increasing the number of new opportunities and challenges. Today, with the problem of climate change and its adverse effects on the whole world, the flexibility of Islamic finance concerning the operations available to those who wish to finance the development of infrastructure, makes this area crucial for sustainable finance.
Author : Adolfo Barajas,Thorsten Beck,Mohammed Belhaj,Sami Ben Naceur
Publisher : Unknown
Page : 51 pages
File Size : 52,6 Mb
Release : 2020-08-07
Category : Electronic
ISBN : 1513553003
The past two decades have seen a rapid increase in interest in financial inclusion, both from policymakers and researchers. This paper surveys the main findings from the literature, documenting the trends over time and gaps that have arisen across regions, income levels, and gender, among others. It points out that structural, as well as policy-related, factors, such as encouraging banking competition or channeling government payments through bank accounts, play an important role, and describes the potential macro and microeconomic benefits that can be derived from greater financial inclusion. It argues that policy should aim to identify and reduce frictions holding back financial inclusion, rather than targeting specific levels of inclusion. Finally, it suggests areas for future research.
Author : Marguerite S. Robinson
Publisher : World Bank Publications
Page : 360 pages
File Size : 42,9 Mb
Release : 2001
Category : Business & Economics
ISBN : UOM:39015053784172
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 : Abdelrahman Elzahi
Publisher : ISLAMIC RESEARCH AND TRAINING INSTITUTE
Page : 264 pages
File Size : 49,7 Mb
Release : 2016-12-31
Category : Business & Economics
ISBN : 9789960323046
This book is a compilation of papers presented in a thematic workshop on business models in Islamic microfinance, organized by International Islamic University Islamabad, Islamic Research and Training Institute (IRTI), and Agricultural Bank of Sudan. The objective of the workshop was to discuss specific Islamic microfinance business models and best practices, as well as the most advanced experiences at the international level.
Author : Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar
Publisher : World Bank Publications
Page : 148 pages
File Size : 43,9 Mb
Release : 2018-04-19
Category : Business & Economics
ISBN : 9781464812682
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Author : Ira W. Lieberman,Paul DiLeo,Todd A. Watkins
Publisher : Brookings Institution Press
Page : 493 pages
File Size : 47,5 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.