tailieunhanh - Partnerships for Innovation in Microfinance Springer_9

Tham khảo tài liệu 'partnerships for innovation in microfinance springer_9', tài chính - ngân hàng, tài chính doanh nghiệp phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả | 230 Mark Schreiner Formal savings account o Date opened o Passbook and or time deposit Frequency of receipt of remittances Business Demographics Sector manufacturing services trade agriculture other Specific type of business construct a list of 30-50 context-specific Year started Formalisation Tenure status of place of business owned rented other Person-months of full-time-equivalent workers per year o Applicant o Family members excluding applicant o Non-family members Business Financial Flows Monthly Sales Expenses Installments on other debts business and household Business Financial Stocks Cash and savings-account balances Inventory Fixed assets Debts o Formal o Informal Repayment Record for Each Scheduled Installment Date due Date paid-off Can Credit Scoring Help Attract Profit-Minded Investors to Microcredit 231 Aspects of the Loan Contract Date application submitted Date loan disbursed Date paid-off Amount disbursed Amount of average installment Number of installments Frequency of installments Refinanced status Type of guarantee Value of guarantee Identity of cosigner Identity of the Lender Branch Loan officer Chapter 13 Credit Scoring Why Scepticism Is Justified Christoph Freytag Managing Director IPC GmbH Providing loans to micro and small businesses has been at the heart of IPC s activities for more than 20 years. In 2005 ProCredit Banks in Eastern Europe Africa and Latin America disbursed more than 60 000 business loans per month. The ProCredit Banks achieved a return on equity of 15 in 2005. IPC also advises private commercial partner banks on behalf of international financial institutions IFIs in downscaling projects which are designed to build capacity in MSE micro and small enterprise lending. These banks disburse 75 000 MSE loans per month. An indicator of the profitability of the partner banks in the downscaling projects is that only about 15 of their combined MSE loan portfolio is being funded by IFIs. The remaining 85 is financed with resources .

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