Credit unions and the poverty challenge : extending outreach, enhancing sustainability
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書誌事項
Credit unions and the poverty challenge : extending outreach, enhancing sustainability
International Labour Office, 1999
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Include bibliographies and index
内容説明・目次
内容説明
Credit unions are increasingly recognized as an important element in micro finance. They are the most widespread type of savings and loan co-operatives. Credit unions are owned and operated on a not-for-profit basis by their members, according to democratic principles. Membership in credit unions is voluntary and open to all within an accepted common bond. Success in the field of micro finance is a matter of outreach and sustainability. But the questions remain: are credit unions successful micro finance institutions?; do they reach large numbers of the poor?; do they operate efficiently and ensure financial sustainability?; and if not, is this due to the internal particularities of credit unions or to external factors, such as poorly designed technical assistance? This book reviews experiences with refinancing credit unions in several countries in Africa, Asia and the Americas. It examines how refinancing facilities have influenced the quality of the loan portfolio, whether external credit lines have enhanced their profitability and whether debt finance has led to sustained growth and better outreach to the poor.
目次
- Introduction - background and issues
- on the theory of credit unions
- using credit unions as on-lending agents for external lines of credit - the experience of the international credit union movement
- using credit unions as conduits for micro-enterprise lending - Latin American insights
- credit unions as on-lending agents in the Dominican Republic
- credit unions as channels of micro-credit lines - the Philippine case
- the performance of the Lesotho credit union movement - internal financing and external capital flow
- agenda for action.
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