Can Microfinance Work
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Why Doesn T Microfinance Work
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Author : Milford Bateman
language : en
Publisher: Zed Books Ltd.
Release Date : 2010-06-10
Why Doesn T Microfinance Work written by Milford Bateman and has been published by Zed Books Ltd. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-06-10 with Business & Economics categories.
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.
Can Microfinance Work
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Author : Lesley Sherratt
language : en
Publisher: Oxford University Press
Release Date : 2016
Can Microfinance Work written by Lesley Sherratt and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with Business & Economics categories.
Can Microfinance Work? presents a thorough-going and nuanced ethical assessment of the microfinance industry, drawing on the author's expertise in the fields of finance and applied ethics. That comprehensive analysis is then used to ground concrete policy proposals, some quite radical, to improve both microfinance's ethical balance and its overall effectiveness.
Making Microfinance Work
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Author : Craig Farren Churchill
language : en
Publisher: International Labour Organization
Release Date : 2006
Making Microfinance Work written by Craig Farren Churchill and has been published by International Labour Organization this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Business & Economics categories.
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
Making Microfinance Work
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Author : Craig Churchill
language : en
Publisher: International Labour Organisation
Release Date : 2012-01
Making Microfinance Work written by Craig Churchill and has been published by International Labour Organisation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-01 with Business & Economics categories.
Microfinance has long been recognized as having significant potential to create jobs and reduce poverty. But to meet the twin challenges of growth and sustainability, managers of microfinance institutions (MFIs) must not only understand essential management functions: they must also be armed with innovative ideas and strategies to succeed in today's increasingly competitive environment. This book provides a valuable overview of the key management principles necessary to optimize the services of MFIs.Volume 1 examines the markets and marketing of MFIs and captures the different ways that managers can communicate the value of their products and services. It 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. Volume 2 includes chapters on various product options, including savings, insurance, leasing, money transfers, and even grants and nonfinancial services. It also explores how to combine different product menus to serve specific market segments, such as the ultra-poor, youth, women, and small and medium enterprises. It provides specific suggestions to manage diversification, including adapting the institutional culture, redistributing responsibilities, empowering staff, communicating with clients, reengineering systems, and managing change.
From Microfinance To Inclusive Finance
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Author : R. H. Schmidt
language : en
Publisher: John Wiley & Sons
Release Date : 2016-09-19
From Microfinance To Inclusive Finance written by R. H. Schmidt and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-09-19 with Business & Economics categories.
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.
Due Diligence
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Author : David Roodman
language : en
Publisher: CGD Books
Release Date : 2012
Due Diligence written by David Roodman and has been published by CGD Books this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Business & Economics categories.
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.
Introduction To Microfinance
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Author : Todd A Watkins
language : en
Publisher: World Scientific Publishing Company
Release Date : 2018-04-09
Introduction To Microfinance written by Todd A Watkins and has been published by World Scientific Publishing Company this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-04-09 with Business & Economics categories.
The Future Of Microfinance
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Author : Ira W. Lieberman
language : en
Publisher: Brookings Institution Press
Release Date : 2020-06-30
The Future Of Microfinance written by Ira W. Lieberman and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-06-30 with Business & Economics categories.
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.
Confessions Of A Microfinance Heretic 16pt Large Print Edition
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Author : Hugh Sinclair
language : en
Publisher:
Release Date : 2012-07-09
Confessions Of A Microfinance Heretic 16pt Large Print Edition written by Hugh Sinclair and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-07-09 with Business & Economics categories.
A microfinance Industry insider offers a shocking account of corruption and betrayal of the poor by an industry supposedly dedicated to doing good. Hugh SInclair is one of the rare field workers who has seen microloans at ground level; he concludes that predatory lending and profit pressure are causing most microloans to do far more harm than good. This is the sad tale of a good idea gone horribly bad.
Microfinance
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Author : Suresh Sundaresan
language : en
Publisher: Edward Elgar Publishing
Release Date : 2009-01-01
Microfinance written by Suresh Sundaresan and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-01-01 with Business & Economics categories.
. . . 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.
