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| Navajas, Sergio; Schreiner, Mark; Meyer, Richard L.; Gonzalez-Vega, Claudio; Rodriguez-Meza, Jorge. |
| We construct a theoretical framework that puts the social worth of a microfinance organization (MFO) in terms of the depth, worth to users, cost to users, breadth, length, and scope of its output. We then analyze evidence of depth of outreach for five MFOs in Bolivia. Most of the poor households reached by the MFOs were near the poverty linethey were the richest of the poor. Group lenders had more depth of outreach than individual lenders. The urban poorest were more likely to be borrowers, but rural borrowers were more likely to be among the poorest. |
| Tipo: Working or Discussion Paper |
Palavras-chave: Financial Economics; Food Security and Poverty. |
| Ano: 1998 |
URL: http://purl.umn.edu/28334 |
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| Gonzalez-Vega, Claudio; Schreiner, Mark; Meyer, Richard L.; Rodriguez-Meza, Jorge; Navajas, Sergio. |
| This paper focuses on the difficulties inherent in the prudent management of growth of microfinance organizations and on potential limits to the increased efficiency, profitability, and sustainability expected from growth and large size. The paper addresses both positive and negative implications of rapid growth for microfinance organizations. The experience of BancoSol in Bolivia is used to illustrate these questions. Building upon the successful experience of PRODEM, BancoSol was chartered as a private commercial bank in 1992. The paper discusses the intangible assets inherited from PRODEM that gave BancoSol a head start and the additional advantages that resulted from formalization as a bank, in particular from the authorization to mobilize deposits.... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Agricultural Finance. |
| Ano: 1996 |
URL: http://purl.umn.edu/28333 |
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| Gonzalez-Vega, Claudio; Meyer, Richard L.; Navajas, Sergio; Schreiner, Mark; Rodriguez-Meza, Jorge; Monje, Guillermo F.. |
| This paper presents and interprets descriptive statistics generated from data obtained in a survey of clients of five microfinance organizations believed to be among the best in Bolivia. These lenders represent different combinations of organizational design, lending technology, and market area of operations. Two are regulated financial intermediaries and three are NGOs. Two operate in rural areas (PRODEM and Sartawi) and three operate in urban areas (BancoSol, FIE, and Caja Los Andes). Two offer individual loans and three grant loans through joint liability groups. The paper discusses household-enterprise profiles of a sample of 622 clients and identifies terms and conditions of loan contracts with these organizations to evaluate the depth and... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Financial Economics. |
| Ano: 1996 |
URL: http://purl.umn.edu/28332 |
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