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Practical Microfinance: A Training Manual

Overview

* essential addition to the microfinance armoury

* photocopiable training manual containing step-by-step descriptions for 22 sessions

* extensively tested around the world

* free material available on the web

"Modern" or "new paradigm" microfinancial services are reaching perhaps as many as twenty million people worldwide. These services are being provided by existing banks which have added microfinance to their product portfolio, by specialized microfinance institutions (MFIs) and by non-governmental organization (NGOs) which offer microfinance

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Overview

* essential addition to the microfinance armoury

* photocopiable training manual containing step-by-step descriptions for 22 sessions

* extensively tested around the world

* free material available on the web

"Modern" or "new paradigm" microfinancial services are reaching perhaps as many as twenty million people worldwide. These services are being provided by existing banks which have added microfinance to their product portfolio, by specialized microfinance institutions (MFIs) and by non-governmental organization (NGOs) which offer microfinance along with other services. This training manual is designed to meet the needs of those who train staff for banks, MFIs and NGOs. It will enable them to provide effective training for those who work, or may in the future work, in the field of microfinance.

"Practical Microfinance" provides detailed step-by-step descriptions for twenty-two sessions which together offer a complete 5--10 day course on microfinance. The sessions may also be used individually, selected from to make up tailor-made courses, or integrated with other materials. The sessions cover a wide range of topics including: introduction to financial accounts; undertaking field visits; analysis of MFIs; group and individual lending; micro-insurance and micro-savings; and measuring the impact of microfinance.

The sessions have been extensively tested in courses at the Cranfield School of Management in the UK, and in a number of different institutions in India, Bangladesh, Pakistan, Kenya, Uganda and elsewhere.

The session exercise and case study handouts may be photocopied for participants or customized to meet trainees’ needs via freely available web files. An introductory chapter includes advice on how to use the material in the book and a list of recommended resources and full index are provided for ease of reference.

It is hoped that this manual will help improve the content and delivery of microfinance training and thus contribute to the greater availability of affordable, accessible and profitable financial services to the poor.

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Product Details

  • ISBN-13: 9781853395635
  • Publisher: Practical Action Publishing
  • Publication date: 6/28/2003
  • Pages: 160
  • Product dimensions: 7.00 (w) x 9.60 (h) x 0.50 (d)

Meet the Author

Malcolm Harper taught at Cranfield School of Management until 1995, and since then has worked mainly in India. He has published on enterprise development and microfinance. He was Chairman of Basix Finance from 1996 until 2006, and is Chairman of M-CRIL, the microfinance credit rating agency and business development, and author of numerous books and articles. He is the co-editor of What's Wrong with Microfinance? (Practical Action, 2007).
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Table of Contents

Each session also contains a session guide
Acknowledgements
Introduction: How to use this book
Why is the manual needed? What is the purpose of the manual? Who is to be trained and to do what? Who is the manual for? What do the session guides contain? How to use the session guides
Session 1: "New paradigm microfinance": what is it?
Handout --The Finance Ministry Press Release
Session 2: Introduction to financial accounts and analysis
Handout : Financial analysis exercise -- Mary the Shopkeeper
Handout B: Financial analysis exercise -- Grace’s Group
Handout C: Financial analysis exercise -- Hannah and Henry’s Household
Session 3 :Field visits to microenterprises
Session 4: Rates of return and the cost of money
Session 5: Visit to microfinance groups
Session 6: Financial analysis of a microfinance institution
Handout: Financial analysis exercise -- The Mixed Up MFI (MUMFI)
Session 7: Planning for MFI profitability
Handout: Profitability planning exercise -- Abdul’s problem
Session 8: Marketing microfinance
Session 9: Gender -- men and women as clients for microfinance
Session 10: Arrears and defaults -- definition and measurement
Handout: Overdues calculation exercise -- the Overdue Microfinance Institution (OMFI)
Session 11: ‘Graduation’ and individual loans
Handout: Case study -- AMFI’s institutional dilemma: upwards or outwards?
Session 12: Individual versus group lending, the pros and cons of each
Handout A: Case study -- The Grameen Bank, Bangladesh, Mizapur Branch
Handout B: Case study -- Bank Rakhyat, Indonesia, Contoh Unit
Session 13: Bangladesh Grameen groups or Indian self-help groups ?
Handout A: ‘Indian’ self-help groups and ‘Bangladesh’ solidarity groups -- the two systems in summary
Handout B: Self-help groups and the Grameen method -- pros and cons
Session 14: Subsidies -- when and how ?
Handout: Subsidy comparison exercise
Session 15: Commercial banks and microfinance
Handout A: Case study -- The Traditional Commercial Bank’s dilemma
Handout B: Brief for Consultant I
Handout C: Brief for Consultant II
Handout D: Brief for Consultant III
Session 16: The need for micro-savings services
Session 17: Micro-insurance
Session 18: MFI staffing -- recruitment and motivation
Session 19: Management information systems -- selection and design
Session 20: Measuring the impact of microfinance
Session 21: The downside of microfinance
Handout: DUMFI (the Damaging MFI)
Session 22: Regulation and supervision, by whom and how ?
Handout: Case study -- the Central Banker’s dilemma
Appendix; Resources
Index
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