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Mikrofinansowanie w Indiach: przegląd
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ISBN10: 6209377319
ISBN13: 9786209377310
Publisher: Wydawnictwo Nasza Wiedza
Published: Dec 16 2025
Pages: 76
Weight: 0.25
Height: 0.18 Width: 6.00 Depth: 9.00
Language: Polish
ISBN13: 9786209377310
Publisher: Wydawnictwo Nasza Wiedza
Published: Dec 16 2025
Pages: 76
Weight: 0.25
Height: 0.18 Width: 6.00 Depth: 9.00
Language: Polish
Książka ta zabierze czytelników w podróż od początków mikrofinansów do problemów, przed którymi stoi ta branża. Jako autor zauważylem, że indyjskie mikrofinansowanie rozwijalo się dynamicznie w ciągu ostatnich dziesięcioleci, zapewniając uslugi finansowe ogromnemu, niedostatecznie obslugiwanym rynkowi. Niestety, branża ta przeżyla kryzys zaufania po wydarzeniach w stanie Andhra Pradesh, które podważyly podstawy jej istnienia. Niniejsza praca odpowiada na niektóre z najpilniejszych kwestii, przed którymi stoją instytucje mikrofinansowe (MFI) w zakresie naliczania wygórowanych stóp procentowych i stosowania przymusowych środków windykacyjnych, a także niekończących się dlugów, które zaprzepaścily spoleczną misję istnienia MFI. Ponadto w książce omówiono, czy MFI mają prawo naliczac odsetki, i przedstawiono krytyczną analizę każdego źródla finansowania dostępnego dla MFI, tj. dotacji/pomocy, depozytów, pożyczek i kapitalu wlasnego. Na koniec w książce zalecono źródla, które powinny byc preferowane przez MFI w celu obniżenia kosztów finansowania, a tym samym zapewnienia im rentowności w zakresie obslugi osób ubogich, nawet przy obniżonych stopach procentowych.
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