eBook

Expanding access to finance : good practices and policies for micro, small, and medium enterprises

Malhotra, Mohini

2007

Overview

This book's prime audience is government policy-makers. It provides a policy framework for governments to increase micro, small and medium enterprises' access to financial services?one which is based on empirical evidence from around the world. Financial sector policies in many developing countries often work against the ability of commercial financial institutions to serve this market segment, albeit, often unintentionally. The framework guides governments on how to best focus scarce resources on three things: ? developing an inclusive financial sector policy; ? building healthy financial institutions; and ? investing in information infrastructure such as credit bureaus and accounting standards. The book provides examples and case studies of how such a strategy has helped to build more inclusive financial institutions and systems in many countries.

• Publisher: World Bank,World Bank Publications,The World Bank,Washington, DC : World Bank
• Subject: ACCESS TO CREDIT / ACCESS TO FINANCE / ACCESS TO FINANCIAL SERVICES / ACCESSIBLE LOANS / ACCOUNTS RECEIVABLE / ADMINISTRATIVE COSTS / AFFORDABLE FINANCING / AGRICULTURAL BANK / AGRICULTURAL COOPERATIVE / AGRICULTURAL DEVELOPMENT BANK / ARREARS / AVAILABILITY OF CREDIT / BALANCE SHEET / BANK ACCOUNT / BANK ASSETS / BANK CREDIT / BANK CREDITS / BANK LENDING / BANK LOANS / BANKING SYSTEM / BANKS / BIASES / BORROWER / BORROWING / BUSINESS CENTER / BUSINESS DEVELOPMENT / BUSINESS DEVELOPMENT ASSISTANCE / BUSINESS DEVELOPMENT SERVICES / BUSINESS FAILURES / CAPITAL ADEQUACY / CAPITAL INJECTIONS / Case studies / CASH FLOW / CASH FLOW ANALYSIS / COLLATERAL / COLLATERAL REQUIREMENTS / COMMERCIAL BANK / COMMERCIAL BANKING / COMMERCIAL BANKS / COMMERCIAL LENDING / COMMUNITY BANK / COOPERATIVE BANK / CORPORATE FINANCE / CORRUPTION / COST OF LOAN / COST OF LOAN PROCESSING / Credit / Credit -- Developing countries / CREDIT ANALYSIS / CREDIT BUREAUS / CREDIT GUARANTEE / CREDIT GUARANTEES / CREDIT HISTORIES / CREDIT HISTORY / CREDIT HISTORY INFORMATION / CREDIT INFORMATION / CREDIT MARKET / CREDIT MARKETS / CREDIT PROGRAM / CREDIT PROGRAMS / CREDIT RATINGS / CREDIT RATIONING / CREDIT REGISTRIES / CREDIT RISK / CREDIT SCORES / CREDIT SCORING / CREDIT SCORING MODEL / CREDITOR / CREDITORS / CREDITWORTHINESS / DEBT / DEPOSIT / DEPOSIT ACCOUNTS / DEPOSITS / Developing countries / DEVELOPMENT BANK / DEVELOPMENT FINANCE / DEVELOPMENT FINANCE INSTITUTIONS / DOCUMENTATION REQUIREMENTS / EARNINGS / ECONOMIC DEVELOPMENT / ECONOMIC GROWTH / ENFORCEABLE PROPERTY RIGHTS / ENTERPRISE ASSISTANCE / ENTERPRISE DEVELOPMENT / ENTREPRENEURS / Entwicklungsländer / EQUALITY / EQUITY FINANCING / EQUITY FUND / EQUITY FUNDS / EXCHANGE RATE / EXTERNAL FINANCING / Finance / FINANCE COMPANIES / FINANCES / FINANCIAL ASSETS / FINANCIAL INNOVATIONS / FINANCIAL INSTITUTION / FINANCIAL INSTITUTIONS / FINANCIAL INSTRUMENT / FINANCIAL INSTRUMENTS / FINANCIAL INTERMEDIARIES / FINANCIAL MARKET / FINANCIAL POLICIES / FINANCIAL PRODUCTS / FINANCIAL SECTOR DEVELOPMENT / FINANCIAL SECTOR POLICIES / FINANCIAL SECTOR POLICY / FINANCIAL SECTOR REFORM / FINANCIAL SECTOR REFORMS / FINANCIAL SERVICES / FINANCIAL SUPPORT / FINANCIAL SUSTAINABILITY / FINANCIAL SYSTEM / FINANCIAL SYSTEMS / FINANCIAL TRACK RECORD / FINANCIAL TRACK RECORDS / FINANCING NEEDS / FIXED ASSETS / FIXED COSTS / FORMAL FINANCE / FORMAL FINANCIAL INSTITUTIONS / FORMAL FINANCIAL MARKETS / GOVERNMENT INTERVENTIONS / GOVERNMENT POLICIES / GOVERNMENT POLICY / GOVERNMENT SECURITIES / GUARANTEE SCHEME / GUARANTEE SCHEMES / GUARANTORS / HIGH INTEREST RATES / HOUSEHOLDS / INEQUALITIES / INFORMAL CREDIT / INFORMATION ASYMMETRIES / INFORMATION INFRASTRUCTURE / INFORMATION SYSTEMS / INFORMATION TECHNOLOGY / INITIAL PUBLIC OFFERING / INSTALLMENT / INTEREST PAYMENT / INTEREST RATE / INTEREST RATE CEILINGS / INTEREST RATE CONTROLS / INTEREST RATES / INTERNAL FUNDS / INTERNATIONAL BANK / INTERNATIONAL FINANCE / INVESTMENT CAPITAL / JOB CREATION / KMU / LACK OF ACCESS / LACK OF KNOWLEDGE / LACK OF PROPERTY / LENDER / LENDERS / LIMITED ACCESS / LIMITED ACCESS TO FINANCE / LOAN / LOAN AMOUNTS / LOAN ANALYSIS / LOAN APPLICATIONS / LOAN APPROVAL / LOAN DOCUMENTATION / LOAN OFFICER / LOAN OFFICERS / LOAN PERFORMANCE / LOAN PORTFOLIO / LOAN PRODUCT / LOAN REPAYMENT / LOAN REPAYMENTS / LOAN SIZE / Loans / Loans -- Developing countries / MARKET ECONOMY / MICROFINANCE / Microfinance -- Developing countries / MICROFINANCE INSTITUTIONS / MICROFINANCE LOANS / Mikrofinanzierung / MONEYLENDERS / MORAL HAZARD / MULTINATIONAL / OUTREACH / OUTSTANDING BALANCES / OUTSTANDING LOAN / OUTSTANDING LOANS / PHYSICAL ASSETS / POLICY ENVIRONMENT / PRIVATE CREDIT / PRIVATE EQUITY / PROPERTY RIGHTS / PROPRIETORSHIPS / REAL ESTATE / REPAYMENT / REPAYMENT HISTORIES / REPAYMENT SCHEDULES / REPOSSESSION / RETURN ON INVESTMENTS / RISK MANAGEMENT / RISK MITIGATION / RURAL BANKING / SAVINGS / SAVINGS ACCOUNTS / SMALL BUSINESS / Small business -- Finance / Small business -- Finance -- Case studies / SMALL BUSINESS LENDING / SMALL BUSINESS LOANS / SMALL ENTERPRISE / SMALL LOAN / SMALL LOANS / START-UPS / SUPPLY OF CREDIT / TAX RETURNS / TECHNICAL ASSISTANCE / TERMS OF LOAN / TRANSACTION COSTS / UNION / Unternehmensfinanzierung / VENTURE CAPITAL / VILLAGE / WORKING CAPITAL
• ISBN: 0821371770, 9780821371770, 0821371789, 9780821371787