The document compares the poverty outreach of different types of microfinance institutions (MFIs) in Peru and Bangladesh. It finds:
- In Bangladesh, NGO-MFIs have the highest outreach, with over 90% of their clients living in rural areas and over 30% living below the poverty line. Outreach is greater for longer-term clients.
- In Peru, cooperatives and private banks have better outreach than other institution types. Only 19% of clients are from NGO-MFIs there.
- Institution type matters for outreach, as NGO-MFIs and cooperatives focus more on poverty targeting and building social connections between clients.
Matt Hoge, a KU graduate student in Latin American Studies, gave a comprehensive overview of his experiences, observations and some conclusions about the usage of microfinance in Paraguay to participants in the 2009 Annual meeting of the Kansas Paraguay Partners. Matt was selected for the 2008-2009 KPP Scholarship and worked as an intern with Fundación Paraguaya, studying microfinance as a strategy for economic development in Paraguay.
As who lives in our rural communities changes, so too are the way these communities support themselves. As tax dollars shrink, the philanthropy community is finding itself being asked to play a bigger role.
Matt Hoge, a KU graduate student in Latin American Studies, gave a comprehensive overview of his experiences, observations and some conclusions about the usage of microfinance in Paraguay to participants in the 2009 Annual meeting of the Kansas Paraguay Partners. Matt was selected for the 2008-2009 KPP Scholarship and worked as an intern with Fundación Paraguaya, studying microfinance as a strategy for economic development in Paraguay.
As who lives in our rural communities changes, so too are the way these communities support themselves. As tax dollars shrink, the philanthropy community is finding itself being asked to play a bigger role.
Addresses US, South Dakota, and Sioux Falls area statistics involving nonprofits and their role in employment and the economy. Regulatory influences and public perception of nonprofits is also addressed.
Presented to the "Leadership Sioux Falls" group of the Sioux Falls Area Chamber of Commerce in April, 2013. This presentation has been made to many audiences in the past ten years, regularly updated.
Designed to give nonprofit professionals, volunteer board members, and community leaders perspective on the importance and reach of the nonprofit sector. Preparation for leaders to consider nonprofit board service in the larger context of economic development, employment, and governance duty.
Chapter 1 Introduction Finca Micro Finance Bank Aamir Gill
Introduction:
BACKGROUND & HISTORY:
Mission:
Village Banking:
Transformation of FINCA programs into micro banks:
Business Model:
Innovations and partnerships:
Celebrity support:
Countries where FINCA operates:
The Center for Responsible Lending (CRL) assesses the impact of the financial crisis on American families, showing the magnitude of the damage to their financial security--that is, their household balance sheet. In addition, this study looks at a broad range of current lending practices and their impacts.
Whitepaper - Can Nanofinance Eradicate Poverty.pdfFINAP Worldwide
The United Nations has listed No Poverty as the #01 priority. The plan is to eradicate poverty in all of its forms by the year 2023. The traditional banking & finance system is not equipped to address this problem. Even the microfinance domain is unable to serve the poorest of the poor.
What is the alternative when "micro isn't small enough"?
Its Nanofinance!
What is Nanofinance? How is it different from Microfinance? How do we plan to empower nanolenders across the globe through FirstMicro?
Read our whitepaper to find out...
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Despite the attainment of the famous Millennium Development Goals (MDGs) of reducing the number
of poor people across the globe a significant number still live below the poverty line. The problem of poverty is
more endemic in developing countries like Nigeria. Several intervention efforts have been in place to address
the poverty question which persists partly due to serious financial exclusion and unethical activities of informal
finance providers.
Addresses US, South Dakota, and Sioux Falls area statistics involving nonprofits and their role in employment and the economy. Regulatory influences and public perception of nonprofits is also addressed.
Presented to the "Leadership Sioux Falls" group of the Sioux Falls Area Chamber of Commerce in April, 2013. This presentation has been made to many audiences in the past ten years, regularly updated.
Designed to give nonprofit professionals, volunteer board members, and community leaders perspective on the importance and reach of the nonprofit sector. Preparation for leaders to consider nonprofit board service in the larger context of economic development, employment, and governance duty.
Chapter 1 Introduction Finca Micro Finance Bank Aamir Gill
Introduction:
BACKGROUND & HISTORY:
Mission:
Village Banking:
Transformation of FINCA programs into micro banks:
Business Model:
Innovations and partnerships:
Celebrity support:
Countries where FINCA operates:
The Center for Responsible Lending (CRL) assesses the impact of the financial crisis on American families, showing the magnitude of the damage to their financial security--that is, their household balance sheet. In addition, this study looks at a broad range of current lending practices and their impacts.
Whitepaper - Can Nanofinance Eradicate Poverty.pdfFINAP Worldwide
The United Nations has listed No Poverty as the #01 priority. The plan is to eradicate poverty in all of its forms by the year 2023. The traditional banking & finance system is not equipped to address this problem. Even the microfinance domain is unable to serve the poorest of the poor.
What is the alternative when "micro isn't small enough"?
Its Nanofinance!
What is Nanofinance? How is it different from Microfinance? How do we plan to empower nanolenders across the globe through FirstMicro?
Read our whitepaper to find out...
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Despite the attainment of the famous Millennium Development Goals (MDGs) of reducing the number
of poor people across the globe a significant number still live below the poverty line. The problem of poverty is
more endemic in developing countries like Nigeria. Several intervention efforts have been in place to address
the poverty question which persists partly due to serious financial exclusion and unethical activities of informal
finance providers.
Microfinance for sanitation: how can public funders get involved?Trémolet Consulting
As public policy in many countries stipulates that households should finance their own on-site sanitation facilities, the question of facilitating access to finance for upfront costs (and in some cases, maintenance costs as well) is pressing. In this presentation, Sophie Trémolet looks at the role of public intervention including donor agencies) to stimulate the market of microfinance for sanitation.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
1. Is There a Difference in Poverty Outreach by Type of Microfinance Institution? The Case of Peru and Bangladesh Manfred Zeller Institute of Agricultural Economics and Social Sciences in the Tropics and Subtropics University of Hohenheim, Stuttgart, Germany Julia Johannsen Institute of Rural Development Georg-August-University Göttingen, Germany Global Conference on ‘ Access to Finance: Building Inclusive Financial Systems’ of The World Bank and the Brookings Institution in Washington, D.C., May 30 and 31, 2006
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3. The triangle of finance: Synergies and trade-offs Sourc e: Zeller, M., and Meyer, R.L. 2002. The triangle of microfinance: Financial sustainability, outreach, and impact. Book published by IPPRI/John Hopkins Univ, Dec. 2002. Outreach (Breadth and Depth) Welfare impact (Direct/Indirect) Financial sustainability
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6. Poverty lines in Peru Source: adapted from Zeller, Johannsen and Alcaraz (2005) Regionally disaggregated national and median poverty line and international $2 and $1-poverty line 4.16 4.16 4.16 4.16 4.16 4.16 4.16 2.08 2.08 2.08 2.08 2.08 2.08 2.08 8.45 6.99 4.75 6.01 3.93 5.81 4.04 5.98 4.68 3.04 4.04 2.38 3.83 2.60 Lima Metrop. Urban Coast Rural Coast Urban Highland Rural Highland Urban Highland Rural Lowland Internat. 2$ Poverty Line (Soles/pers/day) Internat. $1 Poverty Line (Soles/pers/day) National Poverty Line (Soles/pers/day) Median Poverty Line (Soles/pers/day) Expenditures July 2004 Region
7. Poverty lines in Bangladesh Source: adapted from Zeller, Johannsen and Alcaraz (2005) Regionally disaggregated national and median poverty line and $1-poverty line 23.10 23.10 23.10 23.10 23.10 23.10 23.10 23.10 22.96 17.05 21.84 20.94 24.85 19.47 20.16 17.57 24.80 22.24 27.77 27.06 30.22 23.18 25.97 21.90 Rural Dhaka Rural Faridpur, Tangali, Jamalpur Rural Sylhet, Comilla Rural Noakhali, Chittagong Urban Khulna Rural Barishal, Pathuakali Rural Rajshahi, Pabna Rural Bogra, Rangpur, Dinajpur Internat. $1 Poverty Line (Taka/pers/day) Median Poverty Line (Taka/pers/day) National Poverty Line (Taka/pers/day) Expenditures July 2004 Region
8. Gender and residence of clients in Bangladesh (N=2209 adults) (100%) 53.0% 47.0% 21.6% 78.4% Total 49.6% 50.4% 19.8% 80.2% Non-clients 2.7% 53.8% 46.2% 69.2% 30.8% Other (private bank, coop, etc.) 4.7% 54.2% 45.8% 8.3% 91.7% Other governmental institution providing microfinance 28.7% 7.6% 92.4% 16.0% 84.0% Public bank 63.9% 90.5% 9.5% 32.6% 67.4% NGOs providing microfinance Share (%) of total clients Sex of client FEMALE MALE Does client live in rural area? NO YES Main type of financial institution
9. Poverty outreach in Bangladesh 27.8 35.1 16.6 37.2 Mean Total (N=2209) 28.1 35.7 16.5 37.1 Mean Non-clients (N=1700) 30.8 30.8 30.8 39.2 Mean Other (private bank, coop, etc.) 8.3 8.3 8.3 52.7 Mean Other government institutions providing microfinance(N=24) 16.7 25.0 7.6 42.2 Mean Public bank (N=144) 32.3 38.7 21.0 34.6 Mean NGOs providing microfinance (N=328) Below the internat. Poverty line ($PPP 1.08 at 1993 prices) Below the national poverty line (adj. by regions)(%) Below the median poverty line (adj. by regions)(%) Daily expenditures per capita (Taka) Main type of financial institution
10. Poverty by length of membership 27.8 35.1 16.6 37.2 Mean Total (N=2209) 28.1 35.6 16.5 37.1 Mean Non-clients (N=1700) 17.0 20.1 8.8 42.8 Mean Longer than five years (N=159) 29.0 38.5 20.0 37.4 Mean Two to Five years (N=200) 34.0 40.0 21.3 32.7 Mean Less than two years (N=150) Below the internat. Poverty line ($PPP 1.08 at 1993 prices) Below the national poverty line (adj. by regions) (%) Below the median poverty line (adj. by regions) (%) Daily expenditures per capita (Taka) Length of client relationship (in approx. terciles)
11. Gender and residence of clients in Peru (N=2325 adults) (100.0%) 48.6% 51.4% 71.0% 29.0% Total 47.0% 53.0% 70.1% 29.9% Non-clients 16.6% 72.0% 28.0% 72.0% 28.0% Other (NGO, rural savings banks, coop, etc.) 23.2% 77.1% 22.9% 74.3% 25.7% Municipal Savings and Loan Banks (CMACs) 37.7% 75.4% 25.7% 93.0% 7.0% Private banks (including micro-banks such as MiBanco) 22.5% 58.8% 41.2% 88.2% 11.8% Public bank (Banco de la Nacion) Share (%) of total clients Sex of client FEMALE MALE Does client live in rural area? NO YES Main type of financial institution
12. Poverty outreach in Peru 9.1 9.6 8.0 0.0 0.0 2.9 Below the internat. Poverty line($PPP 1.08 at 1993 prices) 32.0 51.7 28.0 7.4 Mean Total (N=2325) 33.5 53.6 29.2 7.2 Mean Non-clients (N=2174) 20.0 28.0 8.0 10.3 Mean Other (NGO, rural savings bank, coop, etc.) (N=25) 2.9 25.7 0.0 9.4 Mean Municipal Savings and Loan Banks (N=35) 3.5 21.1 8.8 11.8 Mean Private banks (including MiBanco) (N=57) 23.5 26.5 23.5 10.2 Mean Public bank (Banco de la Nacion) (N=34) Below the internat. Poverty line($PPP 2.16 at 1993 prices) Below the national poverty line(adj. by regions) (%) Below the median poverty line(adj. by regions) (%) Daily expenditures per capita (Soles) Main type of financial institution
13. Poverty rate, by participation in formal savings 32.5 10.0 50.4 26.9 7.6 Mean Total (N=800) 11.4 2.9 21.4 5.7 12.8 Mean YES (N=70) 34.5 10.7 53.2 28.9 7.0 Mean NO (N=730) Below the internat. Poverty line($PPP 2.16 at 1993 prices) Below the internat. Poverty line($PPP 1.08 at 1993 prices) Below the national poverty line(adj. by regions) (%) Below the median poverty line(adj. by regions) (%) Daily expenditures per capita (Soles) Household has a formal savings account
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15. Poverty outreach of 6 MFIs 44.5 43.5 16.0 6.4 Coop San Pedro Andahuaylas (N=200) 1.5 15.5 4.0 12.2 Coop San Isidro Huaral (N=200) 6.0 22.0 5.5 10.3 Caritas (N=200) 6.0 38.5 8.0 10.2 CMAC Chinca (N=200) 9.7 23.4 12.6 11.5 CRAC Cruz de Chalpon (N=175) 2.5 41.0 16.5 10.7 Edyficar (N=200) Below the internat. Poverty line ($PPP 2.16 at 1993 prices) Below the national poverty line (adj. by regions) (%) Below the median poverty line (adj. by regions) (%) Daily expenditures per capita (Soles) Main type of financial institution
21. Relative poverty outreach of Grameen Bank, by expenditure terciles 100.0% Total 31.6% 3 33.3% 2 35.1% 1 Client households of Grameen Bank Tercile of daily per-capita expenditures from geographic subsample of nationally representative sample (N=400)
22. Relative poverty outreach of BRAC, by expenditure terciles 100.0% Total 20.0% 3 32.0% 2 48.0% 1 Client households of BRAC Tercile of daily per-capita expenditures from geographic subsample of nationally representative sample (N=559)
23. Relative poverty outreach in Bangladesh 21.5% 19.9% 19.2% 21.3% 18.2% 100.0% 24.1% 7.3% 37.5% 22.8% 18.7% 21.5% 21.1% 25.0% 16.2% 21.1% 25.0% 37.5% 15.4% 31.7% 50.0% 25.0% 100.0% 100.0% 100.0% 100.0% 1 2 3 4 5 Total Non-clients (N= 428) Main type of financial institution NGOs Public Other government Other providing bank institution (private microfinance providing bank, microfinance coop, etc.) (N=228) (N=123) (N=12) (N=8) Quintile of daily per-capita expenditures from nationally representative sample
24. Relative poverty outreach in Peru 22.4% 21.1% 19.7% 18.6% 18.1% 100% 8.7% 11.8% 26.1% 7.9% 3.7% 17.6% 23.6% 40.7% 11.8% 43.5% 18.4% 29.6% 35.3% 21.7% 47.4% 25.9% 23.5% 100.0% 100.0% 100.0% 100.0% 1 2 3 4 5 Total Non-clients Main type of financial institution Public bank Private banks Municipal Other (Banco de (includes Savings and (NGO, rural la Nacion) micro-banks) Loan Bank savings bank, (CMACs) coop, etc.) Quintile of daily per-capita expenditures from nationally representative sample (N=800)
25. Poverty by length of membership 32.0 9.1 51.7 28.0 7.4 Mean Total (N=2325) 33.5 9.6 53.6 29.2 7.2 Mean Non-clients (N=2174) 9.8 0.0 13.7 7.8 12.6 Mean Longer than 1 year and 7 months (N=51) 8.2 4.1 26.5 10.2 10.2 Mean Longer than 1 year and less than or equal to 1 year and 7 months (N=49) 13.7 1.0 33.3 11.8 9.1 Mean Less than or equal to 1 year (N=51) Below the internat. Poverty line($PPP 2.16 at 1993 prices) Below the internat. Poverty line($PPP 1.08 at 1993 prices) Below the national poverty line(adj. by regions) (%) Below the median poverty line(adj. by regions) (%) Daily expenditures per capita (Soles) Length of client relationship (in approx. Tercile ranges)
Editor's Notes
Thanks. The objective of my paper is to discuss whether different institutions for microfinance differ in their width and depth of poverty outreach, and to draw conclusions about their management emphasis. Following the structure of my paper, I begin my presentation (next slide)....