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-文庫吧資料
2025-05-22 14:45本頁面
【正文】 s 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。t push us because we cannot push people to kill themselves.39。 and macroeconomic shocks. Microfinance works in an ecosystem, Murray said. When it bees too successful and money is involved, risk is created. 大連民族學(xué)院 國際商學(xué)院 英文翻譯 Program participant Mavsuda Vaisova saw the negative results of overlending in Tajikistan, where she works as general director for Humo and Partners, a microlending fund in Dushanbe. Started with a staff of just 19 in 2020, the microlending organization now has 11 branches, 260 employees, 10,000 clients and an active portfolio of US$ million. Last year, during the crisis situation, we saw what happened. People were killing themselves because they could not repay five or six loans, Vaisova said. These cases in Tajikistan happened so often [that we said] to all our creditors, 39。s clients as well as relaxation of due diligence as MFIs sought to grow rapidly。s microfinance sector experienced a wave of defaults that led to the demise of one of the biggest MFIs。s microfinance industry suffered a crisis in 2020 when a No Pago (No Pay) movement led to widespread defaults and violent protests。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 courses. Yet it is at just these times that innovation is of heightened importance. At the same time, as several participants noted, the industry must find new ways to sustain growth without losing sight of clients39。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 Aresty Institute of Executive Education, discussion turned repeatedly to questions of overindebtedness, rapid industry growth, and the fine line between profits and purpose. The microfinance sector has experienced a rude awakening by a delinquency earthquake, said one of the program39。 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
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