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| Author | : Joanna Ledgerwood |
| Publisher | : World Bank Publications |
| Total Pages | : 304 |
| Release | : 1998-12-01 |
| Genre | : Business & Economics |
| ISBN | : 0821384317 |
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 | : David Roodman |
| Publisher | : CGD Books |
| Total Pages | : 388 |
| Release | : 2012 |
| Genre | : Business & Economics |
| ISBN | : 1933286539 |
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.
| Author | : Eugenia Macchiavello |
| Publisher | : Routledge |
| Total Pages | : 234 |
| Release | : 2017-07-20 |
| Genre | : Business & Economics |
| ISBN | : 1317227581 |
Following the recent global financial crisis there is a growing interest in alternative finance – and microfinance in particular – as new instruments for providing financial services in a socially responsible way or as an alternative to traditional banking. Nonetheless, correspondingly there is also a lack of clarity about how to regulate alternative financial methods particularly in light of the financial crisis’ lessons on regulatory failure and shadow banking’s risks. This book considers microfinance from a legal and regulatory perspective. Microfinance is the provision of a wide range of financial services, particularly credit but also remittances, savings, to low-income people or financially excluded people. It combines a business structure with social inspiration, often resorts to technological innovations to lower costs (Fintech: e.g. crowdfunding and mobile banking) and merges with traditional local experiences (e.g. financial cooperatives and Islamic finance), this further complicating the regulatory picture. The book describes some of the unique dimensions of microfinance and the difficulties that this can cause for regulators, through a comparative analysis of selected European Union (EU) countries’ regimes. The focus is in fact on the EU legal framework, with some references to certain developing world experiences where relevant. The book assesses the impact and validity of current financial regulation principles and rules, in light of the most recent developments and trends in financial regulation in the wake of the financial crisis and compares microfinance with traditional banking. The book puts forward policy recommendations for regulators and policy makers to help address the challenges and opportunities offered by microfinance.
| Author | : Hugh Sinclair |
| Publisher | : Berrett-Koehler Publishers |
| Total Pages | : 290 |
| Release | : 2012-07-09 |
| Genre | : Business & Economics |
| ISBN | : 1609945182 |
Microfinance insider Hugh Sinclair weaves a shocking tale of an industry focused on maximizing profits and plagued by predatory lending practices, scandals, cover-ups and corruption.
| Author | : Beatriz Armendariz |
| Publisher | : MIT Press |
| Total Pages | : 361 |
| Release | : 2010-04-23 |
| Genre | : Business & Economics |
| ISBN | : 0262265516 |
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.
| Author | : Milford Bateman |
| Publisher | : Zed Books Ltd. |
| Total Pages | : 384 |
| Release | : 2010-06-10 |
| Genre | : Business & Economics |
| ISBN | : 1848138954 |
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 | : Ira W. Lieberman |
| Publisher | : Brookings Institution Press |
| Total Pages | : 493 |
| Release | : 2020-06-30 |
| Genre | : Business & Economics |
| ISBN | : 0815737645 |
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 | : Beatriz Armendariz |
| Publisher | : MIT Press |
| Total Pages | : 361 |
| Release | : 2007 |
| Genre | : Business & Economics |
| ISBN | : 0262512017 |
An assessment of "the microfinance revolution" from an economics perspective that draws on lessons from academia and international practice to challenge conventional assumptions.
| Author | : David Hulme |
| Publisher | : Routledge |
| Total Pages | : 256 |
| Release | : 2009-01-13 |
| Genre | : Business & Economics |
| ISBN | : 1134187084 |
This timely book, written by one of the major players in the UK in development economics explores, amongst others, topics such as microfinance and poverty reduction, microinsurance and regulating, and supervising microfinance institutions.
| Author | : Suresh Sundaresan |
| Publisher | : Edward Elgar Publishing |
| Total Pages | : 143 |
| Release | : 2009-01-01 |
| Genre | : Business & Economics |
| ISBN | : 1848445172 |
. . . a valuable resource that traces the changes in the microfinance sector from its origin until now. . . The book will serve as a good reference point for future debate in these areas. Microfinance Insights In 2006 the Nobel Peace Prize was awarded to Muhammad Yunus for his work on microfinance, dramatically changing attitudes towards capital markets. Suresh Sundaresan has assembled an impressive set of scholars and practitioners in this book to bring together recent practical innovations and policy questions in the realm of microfinance. The contributions emphasize practical solutions to problems facing the field by examining capital markets, providing a framework for thinking about regulation, and raising questions about gender empowerment. They examine recent developments in the field, research findings, and the challenges that lie ahead. This book takes a solid step toward a systematic analysis of the implications of microfinance for the role and regulation of capital markets. The authors address integration of capital markets with microfinance, technological innovations such as the use of mobile phone technology, the consequences of women s access to micro-loan borrowings, and the regulatory challenges and opportunities emerging as the landscape of microfinance dramatically evolves. Practitioners, policy makers, and academics in the fields of developmental economics, finance, gender studies and public and development policy will enjoy this analytically rigorous work.
