Publication:
Are Microcredit Interest Rates Excessive?

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dc.contributor.authorRosenberg, Richard
dc.contributor.authorGonzalez, Adrian
dc.contributor.authorNarain, Sushma
dc.date.accessioned2012-08-13T08:46:23Z
dc.date.available2012-08-13T08:46:23Z
dc.date.issued2009-02
dc.description.abstractOver the past two decades, institutions that make micro loans to low-income borrowers in developing and transition economies have focused increasingly on making their operations financially sustainable by charging interest rates that are high enough to cover all their costs. They argue that doing so will best ensure the permanence and expansion of the services they provide. Sustainable (i.e., profitable) microfinance providers can continue to serve their clients without needing ongoing infusions of subsidies, and can fund exponential growth of services for new clients by tapping commercial sources, including deposits from the public.en
dc.identifierhttp://documents.worldbank.org/curated/en/2009/02/10399236/microcredit-interest-rates-excessive
dc.identifier.doi10.1596/9498
dc.identifier.urihttps://hdl.handle.net/10986/9498
dc.languageEnglish
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesCGAP Brief
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectADMINISTRATIVE COST
dc.subjectADMINISTRATIVE COSTS
dc.subjectANNUAL RETURN
dc.subjectBANK INTEREST RATES
dc.subjectBANK LENDING
dc.subjectBANK LOANS
dc.subjectBANK RATES
dc.subjectBANKS
dc.subjectBORROWER
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMPETITIVE MARKETS
dc.subjectCONSUMER
dc.subjectCOST OF FUNDS
dc.subjectCREDIT CARD
dc.subjectCREDIT CARD RATES
dc.subjectCREDIT OPTIONS
dc.subjectCREDIT UNION
dc.subjectCREDIT UNIONS
dc.subjectDEFAULT RATES
dc.subjectDEPOSIT
dc.subjectDEPOSITS
dc.subjectECONOMIES OF SCALE
dc.subjectEXPLOITATION
dc.subjectFINANCIAL SUSTAINABILITY
dc.subjectHIGH INTEREST RATES
dc.subjectINFORMAL LENDERS
dc.subjectINTEREST CHARGE
dc.subjectINTEREST CHARGES
dc.subjectINTEREST INCOME
dc.subjectINTEREST RATE
dc.subjectINTEREST RATE CAPS
dc.subjectINTEREST RATE LEVELS
dc.subjectINTEREST RATES
dc.subjectLEARNING CURVE
dc.subjectLOAN
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN SIZES
dc.subjectLOW-INCOME
dc.subjectLOW-INCOME BORROWERS
dc.subjectLOWER INTEREST RATES
dc.subjectMFI
dc.subjectMFIS
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROLOAN
dc.subjectMONEYLENDERS
dc.subjectOPERATING COSTS
dc.subjectOUTREACH
dc.subjectPOOR BORROWERS
dc.subjectPRIVATE INVESTORS
dc.subjectPUBLIC OFFERING
dc.subjectRETURN
dc.subjectRETURNS
dc.subjectRETURNS ON EQUITY
dc.subjectSALARIES
dc.subjectSAVINGS
dc.subjectSAVINGS SERVICES
dc.subjectSHAREHOLDER
dc.subjectSHAREHOLDERS
dc.subjectTAX
dc.subjectTRANSITION ECONOMIES
dc.subjectVALUABLE
dc.subjectWEB SITE
dc.titleAre Microcredit Interest Rates Excessive?en
dspace.entity.typePublication
okr.date.doiregistration2025-04-29T09:20:30.550335Z
okr.doctypePublications & Research::Brief
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2009/02/10399236/microcredit-interest-rates-excessive
okr.globalpracticeFinance and Markets
okr.globalpracticeTrade and Competitiveness
okr.guid365141468330311909
okr.identifier.externaldocumentum000333038_20090331010020
okr.identifier.internaldocumentum10399236
okr.identifier.report47955
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2009/03/31/000333038_20090331010020/Rendered/PDF/479550BRI0Inte10Box338868B01PUBLIC1.pdfen
okr.topicInsurance and Risk Mitigation
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicPrivate Sector Development::Emerging Markets
okr.topicFinance and Financial Sector Development::Access to Finance
okr.unitConsultative Grp to Assist Poor (CGP)
okr.volume1 of 1
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