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Practical Micro-Finance

Practical Micro-Finance
A Training Guide for South Asia

First Edition

September 2003 | 176 pages | SAGE Vistaar
This immensely practical manual is designed to improve the quality and content of micro-finance training programmes, and thereby contribute to the greater availability of affordable, accessible, and mutually profitable financial services to the poor. Malcolm Harper provides step-by-step descriptions for 22 training sessions spread over ten days. He covers all the important topics including sustainability, interest rates, gender issues, delivery methods, impact assessment, and delinquency management. The author includes case studies, quantitative exercises, and suggestions for field visits.
Introduction: How to Use this Book

`New Paradigm Micro-Finance`-What is It?

Introduction to Financial Accounts and Analysis

Field Visits to Micro-Businesses

Rates of Return and the Cost of Money

Visit to Micro-Finance Groups

Financial Analysis of a Micro-Finance Institution

Planning for the Profitability of Micro-Finance Institutions

Marketing Micro-Finance

Gender-Men and Women as Clients for Micro-Finance

Arrears and Defaults: Definition and Measurement

`Graduation` and Individual Loans

Individual versus Group Lending: The Pros and Cons of Each

Bangladesh Grameen Groups or Indian Self-Help Groups?

Subsidies: When and How

Commercial Banks and Micro-Finance

The Need for Micro-Savings Services


Staffing of Micro-Finance Institutions: Recruitment and Motivation

Management Information Systems: Selection and Design

Measuring the Impact of Micro-Finance

The `Downside` of Micro-Finance

Regulation and Supervision: By Whom and How?


Malcolm Harper

Malcolm Harper is currently an independent consultant. He was educated at Oxford, Harvard and Nairobi Universities. He first worked in marketing in England, and then taught at the University of Nairobi. He was Professor of Enterprise Development at Cranfield School of Management, and since 1995 he has worked independently, mainly in India. His work has in general focused on the application of business management tools to the alleviation of poverty, and he has published extensively on enterprise development, micro-finance and inclusive livelihoods.He was Chairman of Basix Finance in India for 10 years, and is Chairman of M-CRIL, the... More About Author

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ISBN: 9788178292885