The Essential Microfinance

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The Essential Microfinance

A Ramesh Kumar ,Moin Qazi
The Essential Microfinance Book PDF

Author : A Ramesh Kumar ,Moin Qazi
Publisher : Notion Press
Page : 397 pages
File Size : 54,7 Mb
Release : 2016-03-03
Category : Business & Economics
ISBN : 9789352068463

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The Essential Microfinance by A Ramesh Kumar ,Moin Qazi Pdf

"This book is an exhaustive handbook on microfinance covering more than 600 concepts and ideas .Since poverty alleviation remains a top agenda for development programs and microfinance has proved the most effective approach for combating it, there was a growing demand among students, academics, journalists, bankers and general readers for a handy companion on microfinance. The text examines what has become a vast global industry employing hundreds of thousands of people and attracting the attention of large numbers of governments, banks, aid agencies, non-governmental organizations and consultancy firms. In this book the authors try to help students, who are relatively new to microfinance, practitioners looking for an entry point into the vast academic literature, and policy makers to become acquainted with the main ideas and debates about microfinance. The main objective of the book is to equip the reader with sound understanding of the various concepts in microfinance and their relevance to contemporary financial programmes so that the user is in a position to process business proposals in microfinance. "

The Economics of Microfinance, second edition

Beatriz Armendariz,Jonathan Morduch
The Economics of Microfinance second edition Book PDF

Author : Beatriz Armendariz,Jonathan Morduch
Publisher : MIT Press
Page : 361 pages
File Size : 44,7 Mb
Release : 2010-04-23
Category : Business & Economics
ISBN : 9780262513982

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The Economics of Microfinance, second edition by Beatriz Armendariz,Jonathan Morduch Pdf

An accessible analysis of the global expansion of financial markets in poor communities, incorporating the latest thinking and evidence. The microfinance revolution has allowed more than 150 million poor people around the world to receive small loans without collateral, build up assets, and buy insurance. The idea that providing access to reliable and affordable financial services can have powerful economic and social effects has captured the imagination of policymakers, activists, bankers, and researchers around the world; the 2006 Nobel Peace Prize went to microfinance pioneer Muhammed Yunis and Grameen Bank of Bangladesh. This book offers an accessible and engaging analysis of the global expansion of financial markets in poor communities. It introduces readers to the key ideas driving microfinance, integrating theory with empirical data and addressing a range of issues, including savings and insurance, the role of women, impact measurement, and management incentives. This second edition has been updated throughout to reflect the latest data. A new chapter on commercialization describes the rapid growth in investment in microfinance institutions and the tensions inherent in the efforts to meet both social and financial objectives. The chapters on credit contracts, savings and insurance, and gender have been expanded substantially; a new section in the chapter on impact measurement describes the growing importance of randomized controlled trials; and the chapter on managing microfinance offers a new perspective on governance issues in transforming institutions. Appendixes and problem sets cover technical material.

Microfinance Handbook

Joanna Ledgerwood
Microfinance Handbook Book PDF

Author : Joanna Ledgerwood
Publisher : World Bank Publications
Page : 302 pages
File Size : 42,5 Mb
Release : 1998-12-01
Category : Business & Economics
ISBN : 9780821384312

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Microfinance Handbook by Joanna Ledgerwood Pdf

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.

The Future of Microfinance

Ira W. Lieberman,Paul DiLeo,Todd A. Watkins
The Future of Microfinance Book PDF

Author : Ira W. Lieberman,Paul DiLeo,Todd A. Watkins
Publisher : Brookings Institution Press
Page : 493 pages
File Size : 45,7 Mb
Release : 2020-06-30
Category : Business & Economics
ISBN : 9780815737643

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The Future of Microfinance by Ira W. Lieberman,Paul DiLeo,Todd A. Watkins Pdf

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.

Why Doesn't Microfinance Work?

Milford Bateman
Why Doesn t Microfinance Work Book PDF

Author : Milford Bateman
Publisher : Zed Books Ltd.
Page : 261 pages
File Size : 47,9 Mb
Release : 2010-06-10
Category : Business & Economics
ISBN : 9781848138957

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Why Doesn't Microfinance Work? by Milford Bateman Pdf

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.

The Triangle of Microfinance

Manfred Zeller,Richard L. Meyer
The Triangle of Microfinance Book PDF

Author : Manfred Zeller,Richard L. Meyer
Publisher : Intl Food Policy Res Inst
Page : 426 pages
File Size : 50,9 Mb
Release : 2002-01-01
Category : Business & Economics
ISBN : 9780801872266

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The Triangle of Microfinance by Manfred Zeller,Richard L. Meyer Pdf

Since the 1980s when the microfinance revolution began, much has been accomplished, but the field became more refined in the 1990s as a result of shifts in paradigms, strategies, and development practices. This volume addresses the three policy objectives that now occupy those who wish to use credit as a development tool: financial sustainability of microfinance institutions, outreach to the poor, and welfare impact. Inevitable tradeoffs exist among these objectives, and the book advances an analytical framework that assists students of and experts in microfinance to identify the tradeoffs and synergies at the institutional level and in the policy environment. The book features a wealth of empirical data and innovative analytical studies, and critically discusses the role of public support for microfinance institutions (MFIs) in light of the social costs and benefits generated by such financial systems. The book is organized into five parts. The first discusses the demand for and access to financial services by the poor, emphasizing that demand-oriented, pro-poor financial services are crucial in reaching the poor. The second is concerned with two of the criteria used to evaluate MFIs—outreach and financial sustainability. The third features innovative econometric studies seeking to evaluate the impact of MFIs at the household level. The fourth looks at the role of both public- and private-sector institutions in developing sustainable financial systems. And the fifth summarizes implications for policy and research. Given the lack of sound, empirical literature on microfinance, this volume is sure to advance knowledge and research methodology in the field.

The Commercialization of Microfinance

Deborah Drake,Elisabeth Rhyne
The Commercialization of Microfinance Book PDF

Author : Deborah Drake,Elisabeth Rhyne
Publisher : Unknown
Page : 344 pages
File Size : 51,9 Mb
Release : 2002
Category : Business & Economics
ISBN : UOM:39015055088762

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The Commercialization of Microfinance by Deborah Drake,Elisabeth Rhyne Pdf

* 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.

The Political Economy of Microfinance

Philip Mader
The Political Economy of Microfinance Book PDF

Author : Philip Mader
Publisher : Springer
Page : 284 pages
File Size : 50,7 Mb
Release : 2016-01-12
Category : Political Science
ISBN : 9781137364210

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The Political Economy of Microfinance by Philip Mader Pdf

According to the author, rather than alleviating poverty, microfinance financialises poverty. By indebting poor people in the Global South, it drives financial expansion and opens new lands of opportunity for the crisis-ridden global capital markets. This book raises fundamental concerns about this widely-celebrated tool for social development.

Due Diligence

David Roodman
Due Diligence Book PDF

Author : David Roodman
Publisher : CGD Books
Page : 388 pages
File Size : 40,7 Mb
Release : 2012
Category : Business & Economics
ISBN : 9781933286532

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Due Diligence by David Roodman Pdf

The idea that small loans can help poor families build businesses and exit poverty has blossomed into a global movement. The concept has captured the public imagination, drawn in billions of dollars, reached millions of customers, and garnered a Nobel Prize. Radical in its suggestion that the poor are creditworthy and conservative in its insistence on individual accountability, the idea has expanded beyond credit into savings, insurance, and money transfers, earning the name microfinance. But is it the boon so many think it is? Readers of David Roodman's openbook blog will immediately recognize his thorough, straightforward, and trenchant analysis. Due Diligence, written entirely in public with input from readers, probes the truth about microfinance to guide governments, foundations, investors, and private citizens who support financial services for poor people. In particular, it explains the need to deemphasize microcredit in favor of other financial services for the poor.

The Essentials of Social Finance

Andreas Andrikopoulos
The Essentials of Social Finance Book PDF

Author : Andreas Andrikopoulos
Publisher : Routledge
Page : 174 pages
File Size : 46,5 Mb
Release : 2021-11-18
Category : Business & Economics
ISBN : 9781000483185

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The Essentials of Social Finance by Andreas Andrikopoulos Pdf

The Essentials of Social Finance provides an interesting, accessible overview of this fascinating ecosystem, blending insights from finance and social entrepreneurship. It highlights the key challenges facing social finance, while also showcasing its vast opportunities. Topics covered include microfinance, venture philanthropy, social impact bonds, crowdfunding, and impact measurement. Case studies are peppered throughout, and a balance of US, European, Asian, and Islamic perspectives are included. Each chapter contains learning objectives, discussion questions, and a list of key terms. There is also an appendix explaining key financial concepts for readers without a background in the subject, as well as downloadable PowerPoint slides to accompany each chapter. This will be a valuable text for students of finance, investment, social entrepreneurship, social innovation, and related areas. It will also be useful to researchers, professionals, and policy-makers interested in social finance.

From Microfinance to Inclusive Finance

R. H. Schmidt,H. D. Seibel,P. Thomes
From Microfinance to Inclusive Finance Book PDF

Author : R. H. Schmidt,H. D. Seibel,P. Thomes
Publisher : John Wiley & Sons
Page : 392 pages
File Size : 41,5 Mb
Release : 2016-09-19
Category : Business & Economics
ISBN : 9783527508020

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From Microfinance to Inclusive Finance by R. H. Schmidt,H. D. Seibel,P. Thomes Pdf

Once praised as a panacea to overcome poverty microfinance has had to face harsh criticism because of painful failures and unfulfilled expectations. Still many people in particular in rural regions do not have any access to formal financial services, many microfinance institutions are weak, and others rather exploit their clients driving them into over indebtedness than helping them out of poverty. What should microfinance achieve? Can it help to build up inclusive financial systems allowing access to basic financial services for everybody? The historic templates for this book are the German Sparkassen and Cooperative banks that have a strong track record of development and growth spanning over 200 years. For obvious reasons their results cannot be transferred directly into specific solution options to today's challenges in developing countries. Nevertheless the coming into existence of Sparkassen and Cooperative banks can well be seen as part of a period of revolutionary developments in the European economic and social landscape, which can be viewed as analogous to the transformation that emerging economies are undergoing today. While Europe faced dramatically changing living conditions during the period of industrialization these newly creatd banks made change possible by unequivocally including the lower class population in the transformationby providing access to savings and loans. And it is this is parallel - even in the face of the many differences - which is why their development and success deserves careful consideration today. The authors' approach differsfrom other explorations by specifically adopting an interdisciplinary strategy. They take into account past developments as well as current global ones from a historical, social science and economic point of view. Analysis and the interpretation of data is supported by case studies to illustrate their considerations. The authors identify general parameters both for failure and for success and also indicate how to optimize existing potentials - both for institutions and policy makers. As a result of this interdisciplinary work the authors advance an inclusive stylised facts based model. The will to build up institutions, to adhere to corporate social responsibility and creating conducive legal frameworks form the basic conditions for success. More specifically, the guiding principles of these successful business models are a fair savings and credit policy, the promotion of capital transfers without reference to class and gender, a focus on business activities in a well defined region, decentralized organizational structures combined with national networks which avoid regional capital drains and the securing of economies of scale and scope. Llast but not least is the centrality of objectives beyond that of the sheer maximisation of profits.

Microfinance and Poverty Alleviation

Ben Quinones,Joe Remenyi
Microfinance and Poverty Alleviation Book PDF

Author : Ben Quinones,Joe Remenyi
Publisher : Routledge
Page : 321 pages
File Size : 54,5 Mb
Release : 2014-02-04
Category : Business & Economics
ISBN : 9781317762591

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Microfinance and Poverty Alleviation by Ben Quinones,Joe Remenyi Pdf

Despite the considerable economic growth of the Asia-Pacific, poverty continues to be a major problem. One key way to create sustainable livelihoods and to provide poor households an escape route from poverty is microfinance. Since the early 1980s, microfinance practitioners have proven that the poor are creditworthy, capable of utilizing scarce capital efficiently in viable incom-generating projects and able to pay back their loans. This book collects the experience of microfinance practitioners in 11 countries in the Asia-Pacific region to describe the present state of the art. It is designed to provide an overview of the subject: why it is so essential to poverty reduction; what is the best practice; what kind of policy framework and regulatory environment is required. It offers both an extensive survey of the academic literature and a selection of case studies, all from authors who have been active practitioners in microfinance for many years. The case studies cover four key countries in South Asia and three countries in East Asia in which microfinance had become particularly important. There is also a regional chapter covering the Pacific islands.

The Handbook of Microfinance

Beatriz Armendariz,Marc Labie
The Handbook of Microfinance Book PDF

Author : Beatriz Armendariz,Marc Labie
Publisher : World Scientific
Page : 700 pages
File Size : 52,6 Mb
Release : 2011
Category : Business & Economics
ISBN : 9789814295659

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The Handbook of Microfinance by Beatriz Armendariz,Marc Labie Pdf

Handbook of Microfinance addresses the gap between clients who are benefiting from access to financial services via MFIs, and the potential market, which remains underserved or untapped. This gap can be attributed to a "mismatch" between what consumers, or potential clients, demand and what MFIs offer in terms of financial products. The scope of the book is wide. It includes successes and failures, main challenges and debates, methodologies for impact evaluation via random trials, leading trends in Asia versus Latin America, main efforts in Africa, the importance of value chains in Central America, ethical and gender issues, savings, microinsurance, governance, commercialization trends and the potential advantages and disadvantages of it. Lastly it features main lessons from informal finance and 19th-century credit cooperatives addressing the above-mentioned mismatch.

Making Microfinance Work

Craig Farren Churchill,Cheryl Frankiewicz
Making Microfinance Work Book PDF

Author : Craig Farren Churchill,Cheryl Frankiewicz
Publisher : International Labour Organization
Page : 452 pages
File Size : 46,9 Mb
Release : 2006
Category : Business & Economics
ISBN : 9789221186571

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Making Microfinance Work by Craig Farren Churchill,Cheryl Frankiewicz Pdf

This training manual provides an overview of the key management principles necessary to optimize the services of microfinance institutions (MFIs) and brings together useful lessons from numerous MFIs worldwide to help managers strengthen the performance of their unit, branch or institution.Either used alone, or as part of a management training course, Making Microfinance Work offers various tools and advice. The markets and marketing of MFIs are examined and looks at the different ways in which managers can communicate the value of their products and services. It introduces effective methods for enhancing efficiency and productivity which minimize the trade-offs MFIs invariably face as they try to provide services over the long term.The topic of managing risks is also covered. This manual offers strategies to prevent risk from occurring and, if it does occur, explains how to rectify the situation. Practical techniques for allocating costs and determining prices are also highlighted, as well as the importance of plans, budgets and reports. Illustrations and case studies are used to assist managers in applying the concepts outlined in the text. An extensive list of additional reading and useful Internet resources is also provided

Emerging Challenges and Innovations in Microfinance and Financial Inclusion

Michael O'Connor,Joana Silva Afonso
Emerging Challenges and Innovations in Microfinance and Financial Inclusion Book PDF

Author : Michael O'Connor,Joana Silva Afonso
Publisher : Springer
Page : 179 pages
File Size : 52,5 Mb
Release : 2019-07-15
Category : Business & Economics
ISBN : 9783030052614

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Emerging Challenges and Innovations in Microfinance and Financial Inclusion by Michael O'Connor,Joana Silva Afonso Pdf

The book is a contemporary compilation of important research in the area of microfinance and financial inclusion. It explores a plurality of views and experiences from different parts of the world while linking a variety of international research backgrounds. Accordingly the book will fill a gap in providing a carefully curated cross-sectorial selection of topics relevant to the development finance research community primarily but also industry practitioners who are interested in keeping abreast of developing research. Benefits in this regard also include being able to provide a platform to less established researchers offering them a voice in published form.