國際貿(mào)易外文翻譯---小額信貸業(yè)的發(fā)展陣痛-國際貿(mào)易(存儲版)
【正文】 地方的情況。” 小額信貸行業(yè)重點(diǎn)關(guān)注的領(lǐng)域在于如何衡量社會影響，建立行業(yè)標(biāo)準(zhǔn)從而讓企業(yè)能夠?qū)崿F(xiàn)自我監(jiān)管。s Latest Growing Pains The most recent crisis to hit microfinance began in India39。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 microfinance sector experienced a wave of defaults that led to the demise of one of the biggest MFIs。s credit history or the presence of existing loans from other lenders. But that was not the case in Tajikistan, according to Vaisova. The country has a good information exchange about clients, so microfinance panies were able to see that borrowers were already in debt. They can see that this client has two, three outstanding debts with other organizations. Still, they would like to have more outreach, so they provide another loan, she said. When given the choice, most borrowers gladly take advantage of the extra credit. People cannot correctly evaluate their loan needs. They are just taking, taking, taking and then they cannot repay. Traditional banks, too, have begun to woo the microborrower in many countries, increasing pressure on microfinance institutions to hold market share. In this context of new petitors, of different petitors, bigger petitors than us, all this fight [means it can be] very easy to lose the mission, said participant Rafael Llosa, general manager of Mibanco, a private bank in Lima, Peru, that focuses on micro and small businesses. Because you are fighting to be the leader in the market and you are fighting to survive, you start [focusing] on other things. And yet, profits are essential if the microfinance institution wants to carry out its mission of poverty alleviation, participants said. You have to charge interest to cover all expenses, said Marie Louise Nsabiyumva, CEO of Burundibased savings and credit cooperative . and vice chair of the Burundian Microfinance Network. Otherwise, you would disappear. And that isn39。s one state39。s a tremendous future for microfinance ... if you focus on having an impact at the client level and the household level, creating services that will enable poor people to make better choices for how to use their money, Murray added. We39。s website, Ujjivan has pleted four rounds of capital infusions and plans to offer an IPO after three years of profitable operations. We have two different kinds of investors, he noted: pure social investors and private equity investors. As a part of our mission, we have clearly defined that our return on equity would be at best 15%. So someone who is looking for a really aggressive return on equity would never e with us. Established in 2020, Ujjivan uses the Grameen model of lending to groups of women borrowers and focuses on urban microfinance. It currently boasts a % repayment rate from its more than 975,000 customers in 20 states. Regulated by the Reserve Bank of India as NonBanking Financial Companies, microfinance institutions such as Ujjivan must maintain a minimum capital adequacy ratio but cannot take deposits, according to Jetley. So we have to go to the capital markets. Otherwise we will never be able to scale up. According to Narasimhan Srinivasan, author of State of the Sector Microfinance India 2020, the number of microloans in Andhra Pradesh now amounts to almost 10 times the number of poor households in the state. But Srinivasan also reports that not all loans came from microfinance insti
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