Download or read book Microfinance as a Regular Commercial Banking Product written by Joselito S. Gallardo and published by . This book was released on 1997 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Small Customers Big Market written by Malcolm Harper and published by The Energy and Resources Institute (TERI). This book was released on 2005-01-01 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Microfinance Handbook written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 1998-12-01 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book The Commercialization of Microfinance written by Deborah Drake and published by . This book was released on 2002 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt: * 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.
Download or read book From Microfinance to Inclusive Finance written by R. H. Schmidt and published by John Wiley & Sons. This book was released on 2016-09-19 with total page 392 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Microfinance and China s Regional Development written by Wen Xiao and published by Springer Nature. This book was released on 2023-12-13 with total page 341 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on the innovative development of microfinance in China and takes Luqiao District, Taizhou as the example to sum up Chinese experiences in the local innovative development of microfinance and the application of that experience nationwide. Based on theoretical research regarding microfinance, this book analyzes the history and current situation of the development of microfinance in Luqiao District, and places emphasis on proceeding from three-pronged positioning, five characteristics and three major modes of microfinance’s innovative development in Luqiao District to explore and summarize the Luqiao story of microfinance. Subsequently, this book takes five perspectives—the innovative development of small and medium-sized banks, the innovative development of non-banking financial institutions, the roles of private capital, the policies of the local government and cooperation between the Chinese Mainland and Taiwan—to analyze the experience and paths for helping the development of small and micro enterprises. Finally, based on the conclusions of the research, this book presents some inspirations from the innovative development of microfinance in Luqiao District and future prospects. This book will interest economists, scholars of China’s economic model, and banking sector analysts.
Download or read book The Handbook of Microfinance written by Beatriz Armendariz and published by World Scientific. This book was released on 2011 with total page 700 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book A Commercial Bank s Microfinance Program written by Bikki K. Randhawa and published by World Bank Publications. This book was released on 1997-01-01 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking.
Download or read book Banking on Small Business written by Gail Buyske and published by Cornell University Press. This book was released on 2007 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: Buyske analyzes three themes in economic development: the global growth of microfinance, banking sector development, and Russian entrepreneurship.
Download or read book Islamic Microfinance written by Matthias Range and published by GRIN Verlag. This book was released on 2013-04-16 with total page 97 pages. Available in PDF, EPUB and Kindle. Book excerpt: Diploma Thesis from the year 2004 in the subject Economics - Finance, grade: 1,3, RWTH Aachen University (International technical and economical Cooperation), language: English, abstract: The literature discussing microfinance topics like sustainability, outreach and improvement of methods as well as the role of the governments in terms of interference, supervision and regulation is getting more differentiated and substantiated. Despite this increasing interest, one aspect of microfinance has been largely neglected both scientifically and in its application: Islamic Microfinance. In this paper I will discuss, if the principles of the Shari’ah (the Islamic law) are not somewhat compatible with the needs and obstacles of microfinance, where stewardship is to be shared and trust crucial. Further, I will discuss in detail if the prohibition of Riba is a serious, insolvable obstacle and if it is really more expensive for microfinance institutes to provide Muslims with financial services. By comparing traditional instruments of microfinance with new, transferred instruments borrowed from Islamic banking, I will try to explain – on the bases of the Islamic culture – why people are surprised about the neglect of Islamic Microfinance. The hypotheses are as follows • The implementation of Islamic financial products causes too high risks for microfinance institutes. The restriction of involving ‘risk’ in financial contracts for both parties by the Islam is binding. Therefore, market risks and moral hazards, make a save and steady return for the MFI not possible. • The higher efforts of Islamic Microfinance are too much for the already weak organisation structures of MFIs. MFIs have to avoid or at least decrease market risks and moral hazards. Thus, higher efforts need to be invested by the MFIs due to the increased dependency on the success of the pre-financed projects. • The complexity of Islamic financial products compared to convenient credit contracts leads to difficulties in both their explanation as well as their promotion in less educated areas.
Download or read book The Future of Microfinance written by Ira W. Lieberman and published by Brookings Institution Press. This book was released on 2020-06-30 with total page 493 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Access to Finance written by Asian Development Bank and published by Asian Development Bank. This book was released on 2015-01-01 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: The People's Republic of China (PRC) has adopted a more market-oriented approach by promoting rural microfinance, pursuing bottom-up innovations such as group lending, various forms of guarantees, new financial products based on purchase orders and insurance policies, and better incentives for agriculture funding from financial institutions. In 2009, the PRC sought the assistance of the Asian Development Bank to study how to optimize policy choices in rural finance using both top-down and bottom-up approaches. This report presents the findings of that rural microfinance study, including valuable lessons learned from several pilot microlending programs conducted in selected provinces in the PRC. It then analyzes outstanding issues in the country's rural and microfinance markets that need to be addressed more vigorously.
Download or read book A commercial bank s microfinance program written by Joselito Gallardo and published by . This book was released on 1997 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Introduction To Microfinance written by Todd A Watkins and published by World Scientific Publishing Company. This book was released on 2018-04-05 with total page 427 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance has grown from the obscure efforts of a few philanthropic institutions into a global industry that reaches 150-200 million clients through the branches of thousands of institutions. Microfinance has matured from exclusively funding loans to providing savings, insurance, healthcare, and education. Yet many people still think of it narrowly as microcredit. Understanding remains thin of what the industry does, how it functions and why.Introduction to Microfinance provides a non-technical introduction to the broad array of inclusive financial and non-financial services for the world's poor. It explores the financial lives of those families, and the microfinance institutions and rapidly growing industry that serve them. Written in close collaboration with college students for college students, under the auspices of one of the US's leading undergraduate programs in microfinance, it is the first-ever introductory college textbook about microfinance.What is microfinance? What are its methods and why? Does it work? What are its prospects and challenges? Why is it controversial? This book tackles these questions and more.
Download or read book Access for All written by Brigit Helms and published by World Bank Publications. This book was released on 2006-01-01 with total page 186 pages. Available in PDF, EPUB and Kindle. Book excerpt: "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.
Download or read book Housing Microfinance written by Franck Daphnis and published by Kumarian Press. This book was released on 2004 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: * First book to link housing and microfinance * Presents international and US experience As the premier book to provide a comprehensive overview of housing microfinance worldwide, Housing Microfinance sets the standard for future work in the field. The expert contributors combine wisdom from the separate fields of housing policy and microfinance, demonstrating what each can learn from the other. With solid guidance for practitioners and policymakers, the book reviews important issues for international and domestic microfinance institutions that are considering expanding into housing and for providers of conventional housing loans who seek to offer their services to poor clients who lack collateral or regular income.
Download or read book A framework for regulating microfinance institutions written by Hennie Van Greuning and published by World Bank Publications. This book was released on 1999 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt:
