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	Provedor de dados AgEcon (11) Autor Schreiner, Mark (11) Navajas, Sergio (5) Meyer, Richard L. (4) Gonzalez-Vega, Claudio (3) Graham, Douglas H. (3) Rodriguez-Meza, Jorge (3) Coetzee, Gerhard K. (2) Vink, Nick (2) Cortes-Fontcuberta, Manuel (1) Meza, Jorge Rodriguez (1) Miranda, Mario J. (1) Monje, Guillermo F. (1) Vega, Claudio Gonzalez (1) Mais... Palavra-chave Financial Economics (7) Agricultural Finance (4) Consumer finance (1) Consumer/Household Economics (1) Disequilibrium models (1) Food Security and Poverty (1) Racial discrimination (1) Research and Development/Tech Change/Emerging Technologies (1) South Africa (1) Truncated and censored models (1) Mais... Tipo do documento Working or Discussion Paper (10) Conference Paper or Presentation (1) Ano 1998 (2) 1997 (3) 1996 (3) 1995 (3) País United States (11) Idioma Inglês (10) Espanhol (1)		Ordenar por:  Relevância Autor Título Ano Registros recuperados: 11 Primeira ... 1 ... Última MICROCREDIT AND THE POOREST OF THE POOR: THEORY AND EVIDENCE FROM BOLIVIA AgEcon 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 line—they 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 HOW TO MEASURE THE SUBSIDY RECEIVED BY A DEVELOPMENT FINANCE INSTITUTION AgEcon Schreiner, Mark. The most common indicator of the financial performance of development finance institutions, the Subsidy Dependence Index of Yaron (1992a), fails to recognize that subsidies are like equity injections whose use over time has a cost. Thus, the SDI underestimates subsidy. This paper gives a modified framework that counts all subsidies as equity injections. The paper also recasts the traditional SDI formula to clarify its definition and to show its invariance with respect to the form of subsidized resources. The modified framework is applied to the Grameen Bank in Bangladesh and to Caja los Andes, a microfinance organization in Bolivia. The underestimation of the traditional measure is material. The modified framework could be applied to any subsidized... Tipo: Working or Discussion Paper Palavras-chave: Financial Economics. Ano: 1997 URL: http://purl.umn.edu/28323 RACIAL DISCRIMINATION IN HIRE/PURCHASE LENDING IN APARTHEID SOUTH AFRICA AgEcon Schreiner, Mark; Graham, Douglas H.; Cortes-Fontcuberta, Manuel; Coetzee, Gerhard K.; Vink, Nick. A partial-observability model finds evidence of racial discrimination by retailers of consumer durables in apartheid South Africa. In particular, black households are 13 percentage points more likely to demand a hire/purchase loan but not to have one supplied than are other households, all else equal. Tipo: Conference Paper or Presentation Palavras-chave: Consumer finance; Disequilibrium models; Racial discrimination; Truncated and censored models; South Africa; Financial Economics. Ano: 1997 URL: http://purl.umn.edu/21026 APEX ORGANIZATIONS AND THE GROWTH OF MICROFINANCE IN BOLIVIA AgEcon Navajas, Sergio; Schreiner, Mark. Bolivia has the most advanced microfinance sector in Latin America and has been a model worldwide. Apex banks—banks that lend to banks—have not been responsible for this success. Apex banks can provide funds for retail microfinance organizations, and/or strengthen their organizational development. The existing apex has done little market development. It has provided some liquidity to microfinance organizations, but it has not played an indispensable role. The various apexes planned for the future are unneeded. In fact, they may disincentive deposit mobilization and create an unfair playing field and thus hurt microfinance in Bolivia. Tipo: Working or Discussion Paper Palavras-chave: Agricultural Finance. Ano: 1998 URL: http://purl.umn.edu/28324 BANCOSOL: EL RETO DEL CRECIMIENTO EN ORGANIZACIONES DE MICROFINANZAS AgEcon Vega, Claudio Gonzalez; Schreiner, Mark; Meyer, Richard L.; Meza, Jorge Rodriguez; 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... Tipo: Working or Discussion Paper Palavras-chave: Agricultural Finance; Financial Economics. Ano: 1996 URL: http://purl.umn.edu/28328 BANCOSOL: THE CHALLENGE OF GROWTH FOR MICROFINANCE ORGANIZATIONS AgEcon 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 MICROFINANCE MARKET NICHES AND CLIENT PROFILES IN BOLIVIA AgEcon 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 META-RULES AgEcon Schreiner, Mark. Meta-rules, or rules for making rules, determine the costs of innovation and thus the pace of economic growth. Adapting rules to a changing economic environment through explicit, well-designed meta- rules makes economic growth quicker, less painful, and more certain than adapting rules through chance-based evolution. Tipo: Working or Discussion Paper Palavras-chave: Research and Development/Tech Change/Emerging Technologies. Ano: 1995 URL: http://purl.umn.edu/28331 DISCRIMINATION BY FORMAL LENDERS IN SOUTH AFRICA AgEcon Schreiner, Mark; Graham, Douglas H.; Vink, Nick; Coetzee, Gerhard K.. Censored (Tobit) regression is used to estimate the effects of race, location of residence, and sex of the household head on formal debt held by South African households. The magnitude of the effects suggests that lenders discriminate and that formal financial markets could be improved even without technical innovation. Tipo: Working or Discussion Paper Palavras-chave: Financial Economics. Ano: 1995 URL: http://purl.umn.edu/28336 WAYS DONORS CAN HELP THE EVOLUTION OF SUSTAINABLE MICROFINANCE ORGANIZATIONS AgEcon Schreiner, Mark. This paper suggests ways donors can help the evolution of sustainable microfinance organizations. Sustainability is good because it helps MFOs help more poor people than otherwise. Sustainability is hard because it requires balancing outreach and sustainability with prices the poor can afford yet high enough to cover the costs of the MFO. Donors are like genetic engineers whose job is to speed the evolution of sturdy MFOs. Technical assistance is the best way to tinker with MFOs. Tipo: Working or Discussion Paper Palavras-chave: Financial Economics. Ano: 1997 URL: http://purl.umn.edu/28327 THE EFFECTS ON PEASANT HOUSEHOLDS OF ACCESS TO FORMAL DEPOSITS AND LOANS AgEcon Schreiner, Mark; Graham, Douglas H.; Miranda, Mario J.. A dynamic, stochastic, rational expectations model of a peasant household with access to deposits and loans (up to a credit limit) is solved and simulated. If formal contracts offer more favorable rates than informal contracts, then access to formal contracts increases average consumption and decreases its standard deviation. Tipo: Working or Discussion Paper Palavras-chave: Agricultural Finance; Consumer/Household Economics. Ano: 1995 URL: http://purl.umn.edu/28329 Registros recuperados: 11 Primeira ... 1 ... Última

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