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In particular, the joint 1 hour payday loan online report by Morgan Stanley IAMFI and contains a number of recommendations for such companies: – the improvement of the loan documentation with the introduction of the standard conditions and indicators; – Attracting competent legal advisor to ensure the eligibility of credit agreements; – The use of the mechanism of the benchmarks of temporary exceptions, the violation of which means the right for lenders Microfinance organizations to apply measures to reduce exposure to risk; – Creation in microfinance institutions special services for work with problem loans apart from the issuance of loans. In the process of circulation and circulation of capital formed the ebb and flow of funds, fluctuations in resource requirements and sources of its coverage.

As a result, a problem Microfinance organization loses key personnel and customers that go into more microfinance robust institutions. In our country of microfinance institutions is not limited to lending.

Credit risk assessment involves paying attention to the signs of the difficulties encountered by borrowers, who need to keep track of the creditor banks, including: 1) the delay in the provision of enterprise-borrower financial statements and making payments to repay the loan, or the termination of the employees of the creditor bank ; 2) Any sudden change in the borrower methods for calculating depreciation, fees for pension payments, valuation of inventories, tax assessment or calculation of profit; 3) restructuring of debt or failure to pay dividends and the reduction of the credit rating 1 hour payday loan online of the borrower; 4) the fall in share prices of the borrower; 5) the presence of net losses for one or more years, as measured by the indicators of return on assets, return on equity or earnings before interest and taxes; 6) adverse changes in the borrower’s capital structure, liquidity or business activity; 7) the discrepancy actual sales or cash flow a similar monetary indicators in the loan application; 8) unexpected and unexplained reducing the size of customer account balances. The structure of the resource base of microfinance institutions can be identified as domestic sources of funding, which include the founders, participants and the money earned by the organization in its activities and external sources, including the involvement of individuals 1-287-814-8541 and legal entities, bank loans, funds state, foreign and private donors, the issue of bonds. These regulations only allow to monitor the stability of microfinance institutions and do not allow to protect the market from the informal activities and one-day firms. Fixed clipping parameter exceeds the 7\% threshold at which the MFI can not be included in the ranking, compiled by a commercial bank for the purpose of lending microfinance institutions.

Interest is usually paid monthly and accrued on the balance of the outstanding loan. This applies to legal entities established in any organizational and legal forms in which, in principle, possible to business conduct.

MIB replaces the human poverty index (HPI), published since 1997, innovative for its time, HPI used country 1 hour payday loan online averages to reflect on the total benefits in the field of health, education and standard of living. If short-term debt is several times less than the equity, you can pay off all creditors in full. This policy of the bank should be clearly defined size of the loans, agreed with the customer credit assignment, given the right information in the credit application, credit history is checked and the household budget, and other data about the borrower. Credit cooperatives have no legal right to securities issue.

It should be noted that the implementation of microfinance activities based on the total capacity of legal persons, as the restriction of the rights to carry out a systematic lending activities not contained in any of the currently laws valid. However, a wide network of branches, which have some credit institutions in USA and UK (Sberbank, Rosselkhozbank), can be considered an important prerequisite for the possible participation of these banks in programs microcredit.

The total volume of the portfolio of non-bank micro-loans, according to the Russian Microfinance Center, made in 2011, about 35 billion usd at the most conservative estimate of the potential demand for microcredit in the 250 – 300 billion usd. Development Institute of Microfinance organizations need to conduct, in collaboration with the policy to improve the financial literacy of the population. Consequently, the ratio reflects the proportion of Cr in the composition of assets of property, providing the basic activities of the company.


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