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??? ... Microfinance is the method whereby financial services and credit is made available to the economically active but low income people of developiong countries. This book focusses on three key aspects of the phenomenon: 1) the shift from government- and donor-subsidized credit delivery systems to self-sufficient, sustainable microfinance institutions; 2) the results on the ground, on the way in which microfinance is helps people expand and diversify their enterprises, increase their incomes, raise their living standards and those of theri families, and boost their self-confidence; 3) the theroretical frameworks that had previously impeded the microfinance revolution, with suggestions for their improvement.
Around the world, a revolution is occurring in finance for low-income people. The microfinance revolution is delivering financial services to the economically active poor on a large scale through competing, financially self-sufficient institutions. In a few countries this has already happened; in others it is under way. The emerging microfinance industry has profound implications for social and economic development. For the first time in history, capital is well on its way to being democratized. 'The Microfinance Revolution', in three volumes, is aimed at a diverse readership - economists, bankers, policymakers, donors, and social scientists; microfinance practitioners and specialists in local finance and rural and urban development; and members of the general public interested in development. This first volume, 'Sustainable Finance for the Poor', focuses on the shift from government- and donor-subsidized credit systems to self-sufficient microfinance institutions providing voluntary savings and credit services.
"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.
Urban Planning as an Extension of War Planning The Case of Shenyang, China, 1898-1966 HUAQING WANG, Dr., GALEN NEWMAN, Dr., ZHIFANG WANG, Dr. 1-12 PDF HTML Evaluating Staff Perceptions of Supportive Healing Environment in Healthcare Facilities PATRICK CHUKWUEMEKE UWAJEH, Dr., IKENNA STEPHEN EZENNIA, Ph.D. candidate 13-25 PDF HTML From Zoning Based Area To A Hybrid Space; The Transformation Strategies FARHAN ABDULLAH ALI, Dr. 26-37 PDF HTML The Role Of Urban Density And Morphology In The Air Pollution Of Tehran Metropolitan ROUHOLLAH OSHRIEH, Ph.D. candidate, EHSAN VALIPOUR, Dr. 38-43 PDF HTML Urban Sprawl Negative Impact: Enkomi Return Phase KAMYAR FULADLU, Dr. 44-51 PDF HTML Economic Diversification and the Urban Image; Changing the Narrative on Street Vending MUHAMMAD K BALARABE, Ph.D. Candidate, ABDULSALAM SHEMA IBRAHIM, Ph.D. Candidate, MARYAM AHMAD, M.Sc. 52-61 PDF HTML Environmental Regulations and Rules: United Nations Perspective and the Nigeria Experience FASHUYI OLUGBENGA, Dr. 62-66 PDF HTML Evaluation of the Sustainable Aspects In Housing Sector To Overcome Housing Stress In Northern Iraq RAHEL MOHAMMED AMIN, M.Sc., SALAR SALAH MUHY AL-DIN, Dr. 67-81 PDF HTML Access to Land Influencing the Urban Development of Egypt MOHAMED RASLAN, Dr., HANY AYYAD, Dr. 82-91 PDF HTML Learning from Resilience: Cities towards a Self-Organizing System CEMALIYE EKEN, Ph.D. candidate 92-103 PDF HTML Impact of A Community Place in Regards to Sustainable Design towards Decreasing Social Crime Nadereh Afzhool, M.A. 104-108 PDF HTML Effects of Architectural and Urban Design Project Competitions on Built Environment and New Discourses Brought Thereby OSMAN UMIT Sirel, M.Sc., AYSE SIREL, Dr., BURAK TURSOY, M.Sc. 109-120 PDF HTML Cultural landscape devastation as a consequence of poor Sustainable Urban Development practice Case study: Kostanjica, Boka Bay, Montenegro KOSARA KUJUNDZIC, Ph.D. Candidate, SLAVICA STAMATOVIC VUCKOVIC, Dr. 121-131 PDF HTML Urban Rights and Sustainability in Latin-America: First Steps towards Urban Justice Operationalization Javier Alonso Gómez Dávila, Dr. 132-142 PDF HTML Evaluating Gender Based Behavior in Historical Urban Public Place Case study: Grand Bazaar, Kerman, Iran Ph. D Candidate. Aida Jalalkamali , MA. Elham Anjomshoa 143-153 PDF HTML Establishment of Space syntax to read and analyze urban network; the case of study, Famagusta city of Cyprus EHSAN VALIPOUR, Dr., ABDOLLAH MOBARAKI, Ph.D. candidate, MOJDEH NIKOOFAM, Ph.D. candidate, SAMIRA TAYYEBISOUDKOLAEI, BSc 154-160 PDF HTML Concomitant Recital of a Prolonged Reign: Dilation of the Dutch Empire and Enticement of Ascendency, Delineating Batavia, Victim and Valedictorian SIEPAN KHALIL, B.A., PAKINAM ZEID, B.A. 161-174 PDF HTML Visual pollution phenomena and sensitivity of residences in heritage city centers Case of: Old district of Manama city, Kingdom of Bahrain ISLAM H. EL-GHONAIMY, Dr. 175-190 PDF HTML The Effects of Built Environment Landscaping on Site Security: Reviews on Selected Shopping Centers in Istanbul Gökçen Firdevs Yücel Caymaz 191-201 PDF HTML
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.
Global Credit Review is an annual publication that provides an overview of the most important developments in global credit markets and the regulatory landscape. The third volume provides some critical analysis, reviews the introduction of new regulations and also offers new insights to address the challenges ahead. The carefully selected chapters touch on current topics such as: the measurement of systemic risk, reserve requirements and its role in monetary policy, the application of the Basel II default definition by credit risk assessment systems, and changes in credit portfolio management, amongst others. Recent evolutions of the Risk Management Institute's Credit Research Initiative are also reported, including a comprehensive overview of the technical details on the implementation of the current RMI-CRI corporate default prediction model. With its distinctive focus on topics related to credit markets and credit risk, this is an invaluable publication for finance professionals, policy makers and academics with an interest in credit markets.
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.
Contrary to conventional wisdom that equates rural economies with agriculture, rural residents in developing countries often rely heavily on activities other than farming for their income. Indeed, nonfarm work accounts for between one-third and one-half of rural incomes in the developing world. In recent years, accelerating globalization, increasing competition from large businesses, expanding urban markets for rural goods and services, and greater availability of information and communication technology have combined to expose rural nonfarm businesses to new opportunities as well as new risks. By examining these rapid changes in the rural nonfarm economy, international experts explore how the rural nonfarm economy can contribute to overall economic growth in developing countries and how the poor can participate in this rapidly evolving segment of the economy. The authors review an array of recent studies of the rural nonfarm economy in order to summarize existing empirical evidence, explore policy implications, and identify future research priorities. They examine the varied scale, structure, and composition of the rural nonfarm economy, as well as its relationship with agricultural and urban enterprises. And they address key questions about the role of public intervention in the rural nonfarm economy and how the rural poor can participate in and navigate the rapid transition underway in rural areas. The contributors offer new insights to specialists in rural development and to others interested in overall economic development.
This book examines partnerships between commercial banks and microfinance institutions (MFIs). It demonstrates that when set up properly, these partnerships have the potential to develop and enhance the financial inclusion agenda, and further support sustainable development. MFIs provide access to finance predominantly for those who are poor but economically active, and therefore their expansion is imperative for inclusive economic development. However, MFIs are faced with enormous challenges. The book discusses how partnering with a commercial bank can meet these challenges and the process of interaction contributing to the enhancement of institutional robustness of MFIs. Through two distinct case studies, in Cambodia and Australia, the book discusses the motivations, objectives, and operational dynamics of a partnership, as well as the challenges, success factors, and potential benefits, from the increase in outreach and sustainability, to the transference of knowledge and potential for capacity building. Similarly, the partnering banks benefit in line with the intended objectives – commercial or social besides help embedding social consciousness and improving staff engagement. Concluding with elucidating the characteristics of a partnership model that can succeed across different global contexts, the book will interest a range of researchers and students across development economics, banking, finance, and sustainable development.
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.