外文翻譯--小額信貸業(yè)發(fā)展的陣痛-全文預覽
【正文】 lizing [it and treating it as] the same monster that is happening to you. Every country is different, she added, and solutions must account for the differences and involve everyone. There are lots of stakeholders. Government has to play its role. Microfinance has to play its role. The investors have to play a role. And then we can find a solution. The recent developments in Andhra Pradesh and other hotspots have brought industry leaders together to explore ways to limit the potential for overlending in the future, said Women39。s north region. According to the pany39。t useful for the client. Added Llosa: If we are not profitable, we are not sustainable. For that reason, it39。Please don39。 and Bosnia witnessed overindebtedness after war recovery efforts spawned a large number of MFIs chasing too few customers. In each case, the root causes were plex: poor petitive practices for example, cherry picking each other39。s World Banking. Among them: Nicaragua39。s cohort: to find innovative ways to confront the global economic crisis, new petition, increased regulation and relentless pressure to perform. During times of accelerated change, there is a tendency to rely on known ways of doing business, reads the introduction to one of the program39。s microfinance munity. During a recent program for microfinance leaders at Wharton39。s southern state of Andhra Pradesh, where allegations of widespread overindebtedness, heavyhanded collection tactics and borrower suicides have stirred a national debate about regulating the industry. In October, the state government slapped restrictions on microfinance institutions that crippled lending and sent collection rates plummeting along with the share price of SKS Microfinance, India39。s Latest Growing Pains The most recent crisis to hit microfinance began in India39。 doomsayers predicted a credit crunch and industry collapse. While it is too early to tell how the sector will respond, the crisis in Andhra Pradesh has sparked heated debate and soulsearching throughout the world39。s World Banking Center for Microfinance Leadership, the Advanced Leadership Program at Wharton brought together microfinance leaders for a week of intensive study, brainstorming and working to help prepare them for the challenges facing microfinance today. The goal of this year39。s largest microfinance institution, is used to operating under such tension. After hurricanes affected the lives of onethird of its clients in 2020, Fonkoze helped struggling borrowers by rescheduling existing loans. Since the earthquake in January 2020, it has distributed thousands of cash grants, and more than 10,000 new loans to clients, and has developed a catastrophe microinsurance program. Microfinance, especially after Yunus received his [Nobel] prize, was branded as something that was good for the people, Roenen noted. And now Andhra Pradesh es with a story where it is bad.... We can probably learn what happened there. The public knows and expects from us that we provide social value. But we need to municate about that much more than we do. The last three years have witnessed a wave of events stemming from overlending, said program participant Inez Murray, executive vice president of New Yorkbased Women39。s microfinance sector experienced a wave of defaults that led to the demise of one of the biggest MFIs。 and macroeconomic shocks. Microfinance works in an ecosystem, Murray said. When it bees too successful and money is involved, risk
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