TY  - BOOK
AU  - Ledgerwood,Joanna
TI  - Microfinance handbook : : an institutional and financial perspective / 
T2  - Sustainable banking with the poor
SN  - 0821343068
U1  - 332.1  21
PY  - 1998///
CY  - Washington, D. C : 
PB  - The World Bank, 
KW  - Microfinanzas
KW  - Manuales
KW  - Servicios financieros
N1  - Glosario : p. 265-270; Incluye bibliografías e índice; Part I: Issues to consider when providing microfinance: Chapter 1: Understanding the Country Context: Suppliers of Financial Intermediation Services ; Financial Sector Policies and Legal Enforcement ; Financial Sector Regulation and Supervision ; Economic and Social Policy Environment -- Appendix 1. Risks in the Microfinance Industry -- Chapter 2: The Target Market and Impact Analysis. Objectives of the Microfinance Institution ; Direct and Indirect Targeting. The Importance of Adequate Cash Flow and the Capacity to Service Debt ; Identifying the Target Market ; Impact Analysis -- Appendix 1. Quantitative Impact Assessment -- Chapter 3: Products and Services: The Systems Framework ; Microfinance Institutions Minimalist or Integrated? Financial Intermediation ; Social Intermediation. Enterprise Development Services ; Social Services -- Appendix 1. Microfinance Approaches -- Appendix 2. Matching Enterprise Development Services to Demand -- Chapter 4: The Institution: The Importance of Institutions ; Institutional Types ; Institutional Growth and Transformation ; Institutional Capacity Building --  Appendix 1. MFI Operational Review -- Appendix 2. Manual for Elaboration of a Business Plan -- Part II: Designing and monitoring financial products and services ; Chapter 5: Designing Lending Products: Cash Patterns, Loan Terms, and Payment Frequency ; Loan Collateral ; Loan Pricing ; Calculating Effective Rates -- Appendix 1. How Can an MFI Set a Sustainable Rate on Its Loans? -- Appendix 2. Calculating an Effective Interest Rate Using the Internal Rate of Return Method -- Appendix 3. Calculating the Effective Rate with Varying Cash Flows -- Chapter 6: Designing Savings Products: Demand for Savings Services ; Is There an Enabling Environment? Does the MF -- Chapter 7: Management information systems -- Part III: Measuring performance and managing viability ; Chapter 8: Adjusting financial statements: Accounting adjustments ; Adjusting for subsidies and inflation ; Restating financial statements in constant currency terms -- Appendix 1. Sample financial statements adjusted for subsidies -- Appendix 2. Sample financial statements adjusted for inflation -- Chapter 9: Performance indicators: Portfolio quality ; Productivity and efficiency ratios ; Financial viability ; Profitability ratios ; Leverage and capital adequacy ; Scale and depth of outreach indicators ; Performance standard and variations -- Appendix 1. Sample balance sheet -- Appendix 2. Sample income statement -- Appendix 3. Sample portfolio report ; 4. Adjusted sample financial statements (Combined) -- Appendix 5. Analyzing an MFI’s return on assets -- Chapter 10: Performance management: Delinquency management ; Productivity and efficiency management ; Risk management -- Appendix 1. Gap analysis
ER  -