By Mario La Torre, Gianfranco A. Vento
Microfinance is a finished research of the operational, managerial and monetary elements of microfinance. The textual content presents a modern research of microfinance company masking the hazards, returns and administration matters linked to such task. It analyses the most services and products on hand in smooth microfinance and explains the best way to deal with the monetary and non monetary dangers concerned. The booklet additionally offers a functionality and tracking version for microfinance programmes and describes how microfinance might be regulated.
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Additional resources for Microfinance
G. seasonal businesses or businesses that generate regular revenue) as well as on the management criteria of the MFI. With reference to this last aspect, the frequency of payments tends to increase as it becomes more difficult for the moneylenders to reach the borrowers. Loan term varies from six to 18 months, according to the needs of the customer and his debt capacity. The lending methodology in microfinance differs widely from that of traditional finance. The credit worthiness analysis, for example, focuses exclusively on qualitative factors; traditional guarantees are absent and often substituted by solidarity groups.
In 2004 70 per cent of Buro’s customers voluntarily elected to open a contractual savings account. From 1997 to 2004 205 860 long-term contractual savings accounts were opened. orgϾ sum once, for a set term. The demand for these products, however, is rare; apart from small farmers in the winter, the poor are rarely able to save large sums of money. Finally, equity products represent a typical savings instrument of Credit Unions, self-help groups and financial service associations. The members invest savings in these institutions; in exchange they receive periodic dividends and the possibility of accessing greater amounts through loans.
For MFIs, offering clientresponsive products means reducing the number of drop-outs, increasing the quality of the credit portfolio, attracting a growing number of new customers and consequently contributing to the long-term viability of the MFI. For donors, supporting client responsive financial institutions means acquiring knowledge on the importance of the product development process and supporting those MFIs that have the institutional capacity to develop new products. 4 Non financial services: minimalist vs integrated approach In the previous sections we took into consideration the needs and the financial products of modern microfinance.