Описание: Microcredit is part of a global trend of financial inclusion that brings banking services, especially small loans, to the world`s poor. In this book, the author explores Paraguayan solidarity lending as a window into the tensions between social development and global finance.
Автор: Ledgerwood & Earne Название: The New Microfinance Handbook ISBN: 0821389270 ISBN-13(EAN): 9780821389270 Издательство: Mare Nostrum (Eurospan) Рейтинг: Цена: 7900.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: The New Microfinance Handbook takes a market systems approach to financial inclusion, oriented by client needs. Framing the book with the client as the central element recognizes the emerging awareness that financial needs of the poor are many and are provided by multiple market players beyond the scope of any single institutional form. The book explores the fundamentals of this expanded view through examining client needs (demand), products and providers (supply), and the support systems required to increase financial access to the poor with a focus on operational support, rules and regulations, infrastructure and delivery channels, information, and funding. The objective of the New Microfinance Handbook is to provide a strategic guide to help assess the financial service needs of the poor and to determine how a diversified financial sector can address these needs. The New Microfinance Handbook takes a different approach from the original Microfinance Handbook. Rather than write from the “institutional” perspective (supply driven), this time we consider first and foremost the clients and their needs (demand side) and how the market can better meet their needs. The result is a book which is less of a “how-to” guide but rather a description of financial markets and how they work, or do not work, in serving the needs of the poor—and what is needed to improve the market. The book aims to facilitate access to and usage of financial products and services that genuinely meet the many needs of the poor through various sustainable financial service providers.
Описание: Financial services are important for women who are starting and growing a business, but in Pakistan microfinance providers (MFPs) are not reaching Pakistan's businesswomen. Only 59 percent of microfinance clients are women, yet the majority of these loans are passed on the male members of the household - husbands, fathers, and sons. The practice of passing on loans to male household members is quite widespread; women may be bearing all the transaction costs and risks of accessing loans, but are not the final beneficiaries. Second, a very low proportion of female microfinance clients are entrepreneurs. The report explores why businesswomen in Pakistan may not be using microfinance products to meet their start-up and working capital requirements, in spite of identifying access to finance as a key constraint to their business operations. <br><br>Against this backdrop, access to finance remains the biggest challenge for a woman who wants to start or grow a business. Yet less than a quarter of the entrepreneurs identified through business development service providers were currently borrowing from microfinance lenders. Even among those entrepreneurs that borrow, dissatisfaction is high. Why?<br><br>Women borrower-entrepreneurs are not able to access individual loan products, but instead are consistently relegated to group lending. But group loans are very costly for a woman who is running a business, and the loans are too small to fulfil working capital needs. Businesswomen are rarely given the opportunity to access individual loan products, which are usually offered exclusively to male borrowers, and women are not given opportunities to graduate from group loans to individual loans over time. Lending practices often are discriminatory, requiring husbands' permission, male guarantors, and unmarried women are rarely considered as potential clients.<br><br>Although MFIs understand that women's inclusion is integral to the objectives of microfinance, the practice of passing on loans raises serious issues about consumer protection for women clients, and the best and most effective solutions to these challenges could and should come from the sector itself. Designing better products that reach the needs of emerging women entrepreneurs could prove to be good business, achieving double bottom-line objectives. Investing in financial literacy and education of both men and women borrowers can help curb the demand for pass-through loans and help lower risks associated with deceptive practices.
Автор: Phan Phillip Название: Conversations and Empirical Evidence in Microfinance ISBN: 1783262982 ISBN-13(EAN): 9781783262984 Издательство: World Scientific Publishing Рейтинг: Цена: 10296.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание:
Microfinance is regarded as a lynchpin in private sector solutions to a host of complex social challenges, from child labor, education, and women's rights, through to sustainable local economic development. The principle of self-help through capital accumulation in the US inner city looks similar to that of a Peruvian slum, and as practice has grown, so has the research. Conversations and Empirical Evidence in Microfinance is a curated conversation from a comprehensive review of the published literature, and is supported by theory and evidence from a wide range of disciplines such as philosophy, finance, public policy, and entrepreneurship.
Автор: Manos Ronny Название: Promoting Microfinance ISBN: 1137034904 ISBN-13(EAN): 9781137034908 Издательство: Springer Рейтинг: Цена: 16769.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Promoting Microfinance brings together essays and empirical work by leading researchers and practitioners in the field of microfinance. It covers key issues currently facing the microfinance industry and provides an overview of the microfinance industry in selected countries/regions, pointing to the direction in which it is heading.
Описание: Microfinance institutions (MFIs) provide a public good: they provide income-creating financial services to un-bankable people. If MFIs create and deepen
markets where none existed before, there may be a case for public support. While subsidies are generally not favourably seen in financial sector development, being difficult to target
and possibly distorting the local financial market, there may be situations where the net social benefits of micro-finance may exceed those of not doing anything and of alternative
anti-poverty programs.
Under such circumstances longer-term public support may be justifiable. This book is based on a study of forty-five MFIs carried out by ILO, in
partnership with the Universities of Geneva and Cambridge. The application of factor analysis and cluster analysis shows that MFIs form clusters in terms of social and
performance.
Within each cluster there is one institution that is most efficient on both scores. Public support should ensure that the relative efficiency of MFIs is enhanced, it
should not prod MFIs to modify their mission and position between poverty outreach and profitability.
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