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Inspiring Ideas in Microcredit

Improving Credit Access for Women

Microfinance Governance

Capacity Building for Microfinance

Finance for Microenterprises

Terms, definitions and glossaries	So, what is "microcredit" ?? Microcredit and Microfinance Glossary Definitions adopted by the Virtual Library on Microcredit The 3 C's of Credit ROSCAs: Whats in a name? Keywords for the Virtual Library on Microcredit Calmeadow's Microfinance Reference Guide Microcredit usually refers to small loans offered, often without collateral, to an individual or through group lending. Microfinance, however, refers to a broader range of financial products and services, including loans, savings, insurance, transfer services and other financial instruments targeted at low-income clients. Things to remember about Microfinance Microfinance is not new ... Microfinance is not just money ... Microfinance is not enough ...
The practice of microcredit	UN Report: Role of Microcredit in Eradicating Poverty UN Resolution: International Year of Microcredit, 2005 UN Resolution: General Assembly Resolution 52/194 CGAP: Helping to Build a Microfinance Industry Microfinance: A means to what end? - Christopher Dunford Where to Microfinance? - Gary M. Woller Microcredit Lending Models Six Guiding Principles of Cooperative Financial Organizations Do's and Dont's in Linking Banks and Self Help Groups Objectives of a Non-Conventional Financing System ICA's Statement on Cooperative Principles Flow chart approach to meeting rural financial needs [image - 42 K] Support to Micro Enterprises Programmes - Phil Bartle MicroCAMEL: How to Make Microcredit Organizations Financially Independent CRS - Poverty Lending Principles Capital Enhancement Guarantees Evolution of Credit Methodologies - Some questions The Art and Science of Effective Lending Types of Financial Innovation The Credit Path U.S.A.: Microcredit for Self-Reliance Act of 1997 Financial policies for strengthening SMEs through microcredit and credit guarantee schemes Integrating Financial Market - SANMFI Discussion Paper - 98 kb Microfinance and Anti-Poverty Strategies Supporting effective and equitable financial services for the urban poor in Asia CONCEPT PAPER: Microfinance Institutions in India - Piyush Tiwari and S.M. Fahad Imperfect Information, Social Capital and the Poor's Access to Credit - Thierry van Bastelaer Financial Landscapes Reconstructed - The Fine Art of Mapping Development - F.J.A. Bouman and Otto Hospes Calmeadow Metrofund: A Canadian Experiment in Sustainable Microfinance - Cheryl Frankiewicz
The Broader Perspective of Microfinance	The Income Generating Activities Financing Model - Alessandro Tedesco The Limits of Micro Credit as a Rural Development Intervention - Jimmy Roth Meeting the moment: Microfinance and the social exclusion agenda - Margaret Grieco Microfinance in the Wake of Natural Disasters: Challenges and Opportunities - Geeta Natarajan Microfinance Services in the Context of AIDS Orphans - Betty Wilkinson Health Micro-insurance: A Compendium Islamic Microfinance
Linkages and support services	People's Centeredness of Credit: Need for Regional Networks Significance of Establishing Linkages with Self-help Groups and Banks - Y.C. Nanda, NBARD, India Models of Self-Help Groups in India - Rakesh Malhotra, NBARD, India Establishment of Development Banks in Developing Countries: Assets and Obstacles Is it worth involving the Corporate Sector in development? Models of Linkage between Banks and Self-Help Groups Issues for Replication and Diffusion of Innovations in S&C Programmes How can innovativeness in savings and credit programmes be built up? Ph.D. Abstract: Development of a Housing Finance Triangle Linking People's Organizations, NGOs, and Commercial Banks in Developing Countries - Hari Srinivas CHOICE's Three Stages of a Rural Entrepreneurship Training Program Small & Microenterprise Finance: Principles for Selecting & Supporting Intermediaries Critical Issues in Microbusiness Finance and the Role of Donors - Zeitinger and Schmidt Apex Institutions in Microfinance - Fred D. Levy BRIDGING THE GAP: Cooperative Development Organizations and Private and Voluntary Organizations In Microfinance - Larry Frankel, Gloria Almeyda, Jeffrey Ashe and Julie Kelley Dettweiler [ PDF file - 330 kb] Proceedings of the Virtual Conference on Electronic Banking for the Poor - Conference held online from 16 to 27 February 2004 [MS Word File - 492 kb]
Micro Insurance	Microinsurance Innovation Facility ILO/GIMI: Global Information on MicroInsurance CGAP - Working Group on Microinsurance Proceedings: International Discussion Forum on Micro-Insurance Notes: Microinsurance - A New Instrument for Social Protection Making Insurance Work for the Poor: Current Practices and Lessons Learnt [Conference report]
Islamic Microfinance	Conference report: Islamic Modes of Financing Islamic Microfinance Bangladesh: Zakat Guide of the Masjid Council for Community Advancement Case Study - “Islamic microfinance and socially responsible investments” - Chiara Segrado New Publications on Islamic Banking Islamic Banking bibliography Sanabel - Microfinance Network of Arab Countries Islamic Banking and Finance News
Evaluations and lessons learnt	Micro Credit Lending Experiences Village Banks in Latin America, Asia and Africa Development Associations and Credit systems. Lending for Microenterprises--A Review of the World Bank's Portfolio Complementarity, Competition and Institutional Development: The Irish Loan Funds through Three Centuries - Aidan Hollis and Arthur Sweetman Microcredit in Pre-Famine Ireland - Aidan Hollis and Arthur Sweetman Scratching Where it Itches: What Bolivian Microlending Programs can Learn about Rural Household Strategies from Participants - Nanci Lee Corposol/Finansol: Preliminary Analysis of an Institutional Crisis in Microfinance - Michael Chu, Carlos Castello, Craig Churchill and Tim Nourse The World Bank and Microfinance: An elephant trying to build a bird's nest Microcredit in Transitional Economies Microcrediting Small and Medium-sized Enterprises in Countries in Transition UNICEF: How access to loans and basic social services can enrich and empower people Lessons in Microfinance Downscaling: The Case of Banco de la Empresa, S.A.
Informal and traditional credit markets	New Interest in Informal Credit The Efficiency of Informal Finance Informal Savings and Credit Arrangements Definition and Identification Process of Informal Credit A Continuum of Informality of Credit Typology of Informal Credit Suppliers Fourteen Reasons why the Informal Credit Markets are used by the poor ICM in the Urban Informal Sector perspective Alternate names for Informal Credit Comparing the formal and informal financial sectors Analysis of the Informal Credit Sector in Vietnam Borrower Evaluation in the ICM The Hawala System
Microfinance and Migrant Remittances	Migrant Remittances in Africa: Reducing Obstacles to Developmental Contributions. Capturing a Market Share? Migrant Remittance Transfers and Commercialisation of Microfinance in Africa. Migrant Remittances to Developing Countries - A Scoping Study: Overview and Introduction to Issues for Pro-Poor Financial Services Passing the Buck – Money Transfer Systems: The Practice and Potential for Products in Kenya. Passing the Buck -- Money Transfer Systems: The Practice and Potential for Products in Tanzania and Uganda. Migrant Worker Remittances, Micro-finance and the Informal Economy: Prospects and Issues IADB: Multilateral Investment Fund - Remittance Resources The remittances of migrant Tongan and Samoan nurses from Australia Migrant remittances in Thailand: economic necessity or social norm? ... More resources on remittances
General issues on microcredit	Microfinance Services in the Context of AIDS Orphans Creating Ecological Economics with Local Currency: Ithaca's HOURS Improving Local Currencies New Money: A Creative Opportunity for Business Articles and write-ups on microlending LOCAL BONUS SYSTEM - A model for development projects that encourage circulation - Matina Hæmmerli and Bruno Jehle Ownership of money and the induction of value to money. - read a shorter [ PRESS RELEASE ] The Micro Economic Environment - Robert Hickson
Links to other document repositories	Most organizations and institutions listed in the virtual library have publications of one sort or the other. Please do explore their websites for documents. Additional links, including large collections, are listed below: Search the World Bank homepage for Alternative Finance CGAP Microfinance Gateway Development Gateway: Microfinance Development Research Center, University of Cologne: Working Paper Series ITDG Publishing - Search using 'microfinance' or 'microcredit' as keywords. Microfinance and Rural Finance - Papers by Mark Schreiner - mark@microfinance.com PACT Publications: Educational Materials and Training Tools Partnership for Economic Growth: Papers from the Pegasus Project USAID: MBP Research and Publications