Goldberg, MikePalladini, Eric2012-03-192012-03-192010978-0-8213-8228-8https://hdl.handle.net/10986/2442This report brings together the results of an eight-part series of presentations by leading experts in issues directly related to microfinance institutional sustainability. It is intended for microfinance institution (MFI) board members, managers, and staff members as well as for government regulators, supervisors, and donor staff members. The first four chapters include topics in risk management: (1) risk management systems, (2) good governance, (3) interest rates, and (4) micro-insurance. The last four chapters include four topics in new product development and efficient delivery methodologies: (5) housing microfinance, (6) micro-leasing, (7) disaster preparedness products and systems, and (8) new technologies. The objectives of the series were as follows: i) to strengthen MFIs by disseminating innovative approaches in risk management, cost control, governance, and new technologies; ii) to promote a South-South exchange of experiences and lessons learned; iii) to promote greater ties among the MFIs in the region and between MFIs and government supervisors and regulators; and iv) to highlight the Bank's ability to mobilize international technical expertise in microfinance.Este informe reúne los resultados de una serie de presentaciones realizadas por los expertos líderes en cuestiones relacionadas a la sostenibilidad institucional de las microfinanzas y las presenta en ocho capítulos. Está dirigido a miembros de juntas directivas, gerentes y miembros del personal de IMFs, así como también para los entes reguladores gubernamentales, supervisores y miembros del personal de agencias donantes. Los primeros cuatro capítulos incluyen temas sobre gestión de riesgo: sistemas de gestión de riesgos, buena gobernabilidad, tasas de interés y microseguros. Los últimos cuatro capítulos incluyen cuatro temas sobre desarrollo de un nuevo producto y metodologías de entrega eficientes: microfinanzas para vivienda, micro-arrendamiento, sistemas y productos de preparación contra desastres y nuevas tecnologías. Los objetivos de la serie fueron los siguientes: fortalecer las IMFs a través de la diseminación de enfoques innovadores en la gestión de riesgo, control de costos, gobernabilidad y nuevas tecnologías. Fomentar un intercambio Sur-Sur de experiencias y lecciones aprendidas. Promover mayores vínculos entre las IMFs en la región y entre las IMFs y los reguladores y supervisores gubernamentales. Y poner en relieve la habilidad del Banco para movilizar la pericia técnica internacional en microfinanzas.« Gestion du risque et création de valeur avec la microfinance » rassemble les toutes dernières informations sur la viabilité des institutions de microfinance fournies par des grands experts internationaux et des spécialistes de la microfinance de quatre pays d’Amérique latine. Chaque chapitre est consacré à un sujet particulier : gestion du risque, bonne gouvernance, taux d’intérêt, microfinance de l’habitat, microleasing, préparation aux catastrophes, et nouvelles technologies. Les articles de ce livre sont le résultat d’une série de rencontres financées par le département britannique pour le développement international et soutenu par le réseau d’apprentissage pour le développement global de la banque mondiale. La banque a engagé des spécialistes boliviens, colombiens, équatoriens, et péruviens en réponse à des démarches effectuées par quelques gouvernements visant à imposer des politiques et des pratiques qui auraient, à long terme, diminué la viabilité des institutions de microfinance (IMF). Les rencontres ont eu pour objectif de renforcer les IMF en faisant largement connaître des approches relevant des huit sujets suscités, en promouvant un dialogue entre les pays du sud, en encourageant des liens plus étroits entre ces IMF, et en mettant en avant les capacités de la banque à mobiliser des experts internationaux et des spécialistes locaux. Les interventions se sont déroulées entre 2006 et 2008. Cet ouvrage est destiné aux membres des conseils d’administration des IMF, aux dirigeants, aux membres du personnel, aux étudiants, aux enseignants, aux donateurs et aux responsables gouvernementaux chargés de la réglementation et de la supervision.CC BY 3.0 IGOACCESS TO CREDITACCESS TO FUNDSACCESS TO MARKETSACCESS TO RURAL FINANCEACCESSIBILITYADVISORY SERVICESAGRICULTURAL CREDITALTERNATIVE CREDITASSET QUALITYBALANCE SHEETBANKBANK OFFICEBANKING NETWORKBANKING SERVICEBANKING SYSTEMBANKRUPTCYBANKSBONDBORROWERBORROWERSBUSINESS DEVELOPMENTBUSINESS PLANBUSINESS PLANNINGBUSINESS STRATEGIESCAPITALCAPITAL ADEQUACYCAPITAL MARKETSCAPITAL REQUIREMENTSCENTRAL BANKCHECKSCOLLATERALCOLLATERAL REQUIREMENTSCOMMERCIAL BANKINGCOMMERCIAL BANKSCOMMERCIAL LENDINGCOOPERATIONCOOPERATIVECOOPERATIVESCORRUPTIONCREDIT BUREAUSCREDIT COOPERATIVECREDIT CULTURECREDIT INFORMATIONCREDIT INFORMATION SYSTEMCREDIT LIMITSCREDIT LINESCREDIT MANAGEMENTCREDIT RATINGCREDIT RISKCREDIT UNIONSCREDITORCREDITORSCREDITSCSCURRENCY CRISESCURRENCY MISMATCHCURRENCY RISKDEBTDEBT CAPITALDEMAND FOR FUNDSDEPOSITDEVELOPMENT BANKDISTANCE LEARNINGDOUBLE BOTTOM LINEEARNINGSECONOMIC DEVELOPMENTEMPLOYEEEMPLOYEESENTERPRISEENTERPRISE DEVELOPMENTEQUIPMENTEQUITABLE TREATMENTEQUITYEQUITY FUNDSEQUITY INVESTMENTEXCHANGEEXCHANGE RATEEXCHANGE RATESFARMERSFINANCE COMPANYFINANCIAL HEALTHFINANCIAL INNOVATIONFINANCIAL INSTITUTIONSFINANCIAL INTERMEDIARYFINANCIAL OBLIGATIONSFINANCIAL PRODUCTSFINANCIAL RESOURCESFINANCIAL RISKFINANCIAL RISKSFINANCIAL SECTOR POLICIESFINANCIAL SECTOR REGULATIONFINANCIAL SERVICESFINANCIAL SOCIETYFINANCIAL SUPPORTFINANCINGFIXED ASSETFOREIGN CURRENCYFOREIGN EXCHANGEFOREIGN EXCHANGE RISKFRAUDFUNDING SOURCESFUTUREGENDERGOODGOOD FAITHGOVERNMENT FUNDINGGOVERNMENT LENDINGGOVERNMENT POLICYGRACE PERIODGRANTGUARANTEEGUARANTEE FUNDSGUARANTEESHOLDINGSHOUSEHOLDSHUMAN RESOURCESINFLATIONINFORMATION MANAGEMENTINFORMATION SYSTEMINFORMATION SYSTEMSINSTALLMENTINSTITUTIONAL DEVELOPMENTINSURANCE MARKETSINSURANCE PRODUCTSINTERESTINTEREST RATEINTEREST RATE PAYMENTINTEREST RATESINTERESTSINTERNATIONAL DEVELOPMENTINTERNATIONAL FINANCEINTERNATIONAL TRADEINVESTMENTINVESTMENT VEHICLEINVESTMENT VEHICLESINVESTMENTSLIABILITIESLIQUIDITYLIQUIDITY MANAGEMENTLIQUIDITY PROBLEMSLIQUIDITY RISKLIQUIDITY RISKSLLCLOANLOAN AMOUNTLOAN CONTRACTLOAN CONTRACTSLOAN DEFAULTLOAN FUNDSLOAN MATURITYLOAN OFFICERLOAN OFFICERSLOAN PORTFOLIOLOAN PROCESSINGLOAN PRODUCTLOAN PRODUCTSLOAN RECOVERYLOAN REPAYMENTLOANSLOANS TO WOMENLONG-TERM LOANSLOSS OF ASSETSMARKET INFORMATIONMARKET PRICESMARKET RISKMARKET RISKSMARKET STRUCTUREMFIMFISMICROCREDITMICROENTERPRISESMICROFINANCEMICROFINANCE INSTITUTIONMICROFINANCE INSTITUTIONSMICROFINANCE LOANMICROFINANCE PRACTITIONERSMICROFINANCE SECTORMICROINSURANCEMORAL HAZARDNATURAL DISASTERSNEW MARKETNONPAYMENTNONPROFIT ORGANIZATIONSOPTIONOPTIONSOUTREACHOUTSTANDING LOANOUTSTANDING LOANSOWNERSHIP STRUCTUREPAYMENTPAYMENTSPENSIONPENSION FUNDSPEOPLEPHYSICAL ASSETSPOINT OF SALEPORTFOLIO MANAGEMENTPORTFOLIO QUALITYPRIVATE INVESTORSPRIVATIZATIONPROFESSIONAL DEVELOPMENTPROFITABILITYPROFITSPROPERTYRATES OF INTERESTREAL INTERESTREAL INTEREST RATESREPAYMENT SCHEDULEREPAYMENTSRESERVERETURNSRISK EXPOSURERISK MANAGEMENTRISK MANAGEMENT SYSTEMRISK MANAGEMENT SYSTEMSRISK MEASUREMENTRISK OF LOANRISK OF LOSSRURAL BORROWERSRURAL CLIENTRURAL CLIENTSSAVINGSAVINGSSAVINGS BANKSSECURITYSHARESHORT-TERM ASSETSSOCIAL ENTREPRENEURSOCIAL RESPONSIBILITYSOLVENCYSOURCES OF FUNDSSTUDENTSSUPPLY CHAINTAXTECHNICAL ASSISTANCETECHNICAL SUPPORTTRUST FUNDSUSURYUSURY LAWSVALUABLE ASSETVILLAGEWAREHOUSESWOMENWORKING CAPITALWorld Bank10.1596/978-0-8213-8228-8