1 Percent Loan

In connection with the adoption of the Law on microfinance and 1 percent loan microfinance organizations, the pace of development of microfinance in the USA and UK began to take a pronounced positive trend. They are two: 1) the lender who provides loans at a time, while remaining the owner lent value. Management of arrears also includes preventive measures and poslesobytiynogo character.

The credit line is provided on an open account bank. By reputation risk is closely strategic related risk. Microfinance loan – is financing provided to an individual or a group of borrowers whose main source of income is associated with the business of manufacturing or selling goods and services providing.

Bank is entitled to rely on the fact that customers of the microfinance organization – a partner overgrown sizes small business customers will later the bank. The first type of risk related to a single borrower and is associated with a voluntary waiver of the debt of the client, the collapse of the business and so forth. We must distinguish at the level of the definition 1 percent loan of “microfinance institution”, which includes the entire set of financial institutions providing microfinance services (banks, credit cooperatives, microfinance institutions, other types of financial intermediaries), and in fact the term “microfinance institution” that, as a rule It means a type of specialized only in this segment of the financial institution, often regulated by rules special. More correct is a clear differentiation of troubled borrowers into several categories: 1) willing and able to 1-743-838-2766 pay, but with temporary difficulties; 2) willing to pay, but are experiencing serious difficulties; 3) do not want to pay, including the ability to pay but willfully evading the execution of obligations.

As a consequence, the interest of banks to the risk of lending to SMEs in the market has increased significantly, which resulted in a softening of the requirements for loans and reduction of rates interest. Commodity form of credit. Addition to this index, the concentration factor is the extra capital KPC: The ratio of debt and equity.

and not for 1 percent loan consumer purposes (which would be possible if the set threshold in the ranking below 100 thousand. The unevenness of the circuit and turn a characteristic fact release funds in one link and the availability of the need for them on another site; in the circuit and back, therefore, it is the possibility of the emergence of credit relations. For example, in Mexico, the country’s largest microfinance institution Compartamos Banco (CB), serving the needs of more than 30\% of all active borrowers, according to experts, sets the excessively high interest rates on loans.

Network US ACCION Network is the largest microfinance network in the country. A study of equity management also plays an important role in determining the creditworthiness of the borrower.

show that it can be quite successful in at least a limited period of time. “Microfinance organizations to develop and offer borrowers the ways to enforce the obligations that best protect the interests of the organization.


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