Managing risk and creating value with microfinance:
Saved in:
| Main Authors: | , |
|---|---|
| Format: | Book |
| Language: | English |
| Published: |
Washington, DC
World Bank
2010
|
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Item Description: | Includes index. |
| Physical Description: | XVII, 122 S. graph. Darst. |
| ISBN: | 9780821382288 |
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MARC
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| 100 | 1 | |a Goldberg, Mike |e Verfasser |4 aut | |
| 245 | 1 | 0 | |a Managing risk and creating value with microfinance |c by Mike Goldberg and Eric Palladini |
| 264 | 1 | |a Washington, DC |b World Bank |c 2010 | |
| 300 | |a XVII, 122 S. |b graph. Darst. | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b n |2 rdamedia | ||
| 338 | |b nc |2 rdacarrier | ||
| 500 | |a Includes index. | ||
| 650 | 4 | |a Microfinance | |
| 650 | 4 | |a Risk management | |
| 650 | 0 | 7 | |a Mikrofinanzierung |0 (DE-588)4835581-1 |2 gnd |9 rswk-swf |
| 655 | 7 | |0 (DE-588)4143413-4 |a Aufsatzsammlung |2 gnd-content | |
| 689 | 0 | 0 | |a Mikrofinanzierung |0 (DE-588)4835581-1 |D s |
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| 700 | 1 | |a Palladini, Eric |e Verfasser |4 aut | |
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| 999 | |a oai:aleph.bib-bvb.de:BVB01-020491793 | ||
Record in the Search Index
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|---|---|
| adam_text | Managing
Risk and Creating Value with
Microfinance
Contents
Preface ¡x
Acknowledgments
xi
About the Authors and Contributors
xiii
Abbreviations
xvii
Risk Management: Preparing for the Unexpected
1
Risk Categories
3
Management of the Biggest Risks
5
Producer Risks
7
Additional Risks for MFIs with Rural Portfolios
8
Development of a Risk Management System
10
Steps in Risk Management
11
Approaches to Managing Risks
13
Good Governance: Managing Internal Risk
] 7
Ownership, Legal Form, and Their Impact on Governance
19
NGOs 20
Private Investors
20
Government
21
External Public Entities and Aid Agencies
22
Microfinance
Investment Vehicles
22
MFIs in Transformation
22
The Board of Directors: Functional Responsibilities
23
The Board of Directors: Effective Structure
26
The Board of Directors: Effective Processes
28
The Board of Directors: Member Selection and Participation
32
Summary and Conclusions
35
Interest Rates: Paying for Risk
39
Introduction
41
Interest Rate Setting
41
Are
Mîcrofinance
Interest Rates Too High?
43
Lowering Interest Rates at the Institutional Level
44
Lowering Interest Rates through Government Policy
45
Conclusion
48
Microinsurance: Anticipating Client Risks
51
Insurance Products and Low-Income Clients
53
Design of the Product for Low-Income Markets
53
Microinsurance for Rural Clients
56
Delivery of the Product
57
How Does Latin America Fare in Microinsurance Coverage?
59
MFfs and the Barriers to
Mainstreaming
Microinsurance
60
Conclusion
62
Progressive Housing
Microfinance:
Building One Room at a Time ;3
The Housing
Microfinance
Approach
67
Institutional Changes
69
Subsidies
69
VI
Contents
The Role of Government and Risk Management
Examples from Latin America
Lessons Learned
Designing a New Housing Microfinance Program
Microleasing:
Overcoming Equipment-Financing Barriers
The Basics of
Microleasing
Advantages of Leasing for Microbusinesses
Advantages of
Microleasing
for the MFI
Tax and Regulatory Considerations with
Microleasing
Management of
Microleasing
Risks
Use of
Microleasing in
Latin America
Recommendations for a New
Microleasing
Program
Disaster Management: Preparing for the Worst
An Unfortunate but Common Story
Costs of Disasters
Proactive Approaches and Concrete Responses
Conclusion
New Technologies: Providing a Path to Lower Costs and New Products
Introduction
Why Technology Matters
Mobile Banking
Network Systems
Remote Data Processing
PDAs
POS
Terminals
Biometrics
Costs, Risks, and Challenges
Conclusion
70
70
72
73
77
79
79
80
81
82
82
84
87
89
89
91
97
101
103
103
104
105
106
106
107
108
109
111
Glossary
1.1
1.2
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
3.1
Basel Committee: International Standards and Practices for Risk Management
Risk Measurement Systems
Investors as Board Members
Questions to Assess the Implications of an MFI s Ownership Structure
The Board and Social Performance Management
Evaluating Board Performance
Some Do s and Don ts for Boards
Sample Board Meeting Agenda
A Case Study: The Dominican Integrated Development Institute
Responsibilities and Standards of Conduct for Board Members
Microcredit Cost Structure
10
13
21
23
24
25
27
29
31
34
44
Managing
Risk and Creating Value with
Microfinance
VII
3.2
4.1
4.2
4.3
5.1
6.1
7.1
7.2
7.3
7.4
8.1
8.2
FIGURES
3.1
4.1
4.2
7.1
8.1
8.2
8.3
Effects of Subsidized Interest Rates
The Mechanisms of a Weather-Indexed Insurance System
Mapfre
Seguros: Microinsurance
in Brazil
FINSOL: Life and Funeral Insurance in Mexico
Can Gender Be a Factor in a Housing
Microfinance
Program?
CECAM s Expanded Menu of Leased Equipment for Rural Producers
Catastrophe Risk DDO
Buro-Tangail Contingency Fund, Bangladesh
Loan Product Adjustments for Disasters: The Case of the Bangladesh Rural
Advancement Committee
(BRAC)
Katalysis: Response to Disasters
Minimum Requirements for a POS Device
Regulatory and Policy Guidelines for Branchless Banking
46
57
61
61
73
80
94
94
95
96
108
110
Percentage Components of Real Interest Rates,
2004-05 42
Traditional and Potential Insurance Markets
54
Demand for Insurance: Risk Management Needs of the Poor in
11
Countries,
2002-06 56
Cycle of Risk Management
92
Penetration of Services and Technologies
104
Portfolio Expansion and PDA Use
107
PDA Use and Portfolios at Risk
107
4.1
TABLES
1.1
1.2
1.3
1.4
2.1
2A.1
3.1
4.1
4.2
4.3
4.4
5.1
5.2
5.3
6.1
7.1
7.2
8.1
Microinsurance Coverage in Latin America,
2007
60
Urban Risk Categories
Rural Risk Categories
Steps in Risk Management
Shorebank Advisory Services (USA) Credit Risk Grading System
Recommended Characteristics and Background of a Board Member
Sample Board Self-evaluation Questionnaire
Effects of Ceilings on Microcredit Interest Rates
Types of Insurance
Risk Coverage and Outcomes
The Microinsurance Supply Chain
Characteristics of the Four Insurance Delivery Models
Differences between
Microfinance
Loan Types
FUNHAVI Performance Indicators, December
31, 2007
MiCasa Portfolio, December
2007
Advantages and Disadvantages of Financial Leases
The Enormous Cost of Natural Disasters
New
Financia!
Products, Results, and Implications
Wireless Penetration Rates,
2003-12
4
8
11
12
32
38
47
53
55
56
58
68
71
72
81
90
97
104
|
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| indexdate | 2024-07-09T22:43:07Z |
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| language | English |
| lccn | 2009052150 |
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| spelling | Goldberg, Mike Verfasser aut Managing risk and creating value with microfinance by Mike Goldberg and Eric Palladini Washington, DC World Bank 2010 XVII, 122 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Includes index. Microfinance Risk management Mikrofinanzierung (DE-588)4835581-1 gnd rswk-swf (DE-588)4143413-4 Aufsatzsammlung gnd-content Mikrofinanzierung (DE-588)4835581-1 s DE-604 Palladini, Eric Verfasser aut Erscheint auch als Online-Ausgabe 978-0-8213-8235-6 Digitalisierung UB Regensburg application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=020491793&sequence=000004&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Goldberg, Mike Palladini, Eric Managing risk and creating value with microfinance Microfinance Risk management Mikrofinanzierung (DE-588)4835581-1 gnd |
| subject_GND | (DE-588)4835581-1 (DE-588)4143413-4 |
| title | Managing risk and creating value with microfinance |
| title_auth | Managing risk and creating value with microfinance |
| title_exact_search | Managing risk and creating value with microfinance |
| title_full | Managing risk and creating value with microfinance by Mike Goldberg and Eric Palladini |
| title_fullStr | Managing risk and creating value with microfinance by Mike Goldberg and Eric Palladini |
| title_full_unstemmed | Managing risk and creating value with microfinance by Mike Goldberg and Eric Palladini |
| title_short | Managing risk and creating value with microfinance |
| title_sort | managing risk and creating value with microfinance |
| topic | Microfinance Risk management Mikrofinanzierung (DE-588)4835581-1 gnd |
| topic_facet | Microfinance Risk management Mikrofinanzierung Aufsatzsammlung |
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