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Commercialization and Mission Drift: Transformation in Latin America
This Occasional Paper examines the impact of commercialization and increased competition on the strategy and performance of microfinance institutions in Latin America, with particular focus on "mission drift"-- whether or not commercialization drives MFIs to deviate from their original missions.Publication
Exploring Client Preferences in Microfinance
Microfinance products tend to be uniform across large geographic areas. For example, in Bangladesh most microfinance institutions (MFIs) offer some variant of the product pioneered by Grameen Bank—a loan with a term of about a year, repaid in frequent (usually weekly) installments, given in a group context, ostensibly for micro-enterprise use, and with a compulsory savings element.Publication
Assessing the Relative Poverty Level of MFI Clients, Case Studies
The Poverty Assessment Tool (PAT) was developed for CGAP by the International Food Policy Research Institute. The multi-dimensional Poverty Index constructed by the tool is targeted at donors and investors who require a standardized, globally applicable set of poverty indicators to make poverty-focused funding decisions and to compare MFIs across regions and countries.Publication
Raising the Curtain on the "Microfinancial Services Era"
From the ‘agricultural credit era’ (1950s–1970s) through the ‘microenterprise era,’ institutional arrangements and product designs that characterized financial services to the poor were underpinned by a dominant image of the poor.Publication
Those Who Leave and Those Who Don’t Join
Understanding client exit and nonparticipation can shed important light on the financial service preferences of clients and help programs learn about the limitations of their existing products and mechanisms. Such lessons can drive the development of innovative, demand-driven microfinance products and systems, benefiting both the institution and the clients.Publication
Microfinance and Risk Management: A Client Perspective
As the microfinance industry matures, service providers are increasingly concerned with developing new and better products. This focus on new product development is a response to growing competition in the microfinance market, the search for more defined market niches, and some anxiety about dropout rates.Publication
The Rush to Regulate: Legal Frameworks for Microfinance
This Occasional Paper discusses a wide range of issues concerning regulation of microfinance and presents a range of alternative mechanisms for supervision.Publication
Focus on Poverty: CGAP 2000
This document describes ongoing CGAP thematic work on deepening the poverty outreach of MFIs.Publication
Measuring Microcredit Delinquency
This Occasional Paper addresses issues surrounding measuring microcredit delinquency rates. Not only can poor ratios mislead donors, they can also obscure urgent problems from microfinance institution managers until it is too late to reverse them.Publication