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Articles by: Navajas, S. (16 items)

Managing Credit Risk in Rural Financial Institutions in Latin America (2007)
This report provides recommendations for improving credit risk management techniques of rural financial institutions.
Microfinance in Latin America and the Caribbean: How Large is the Market? (2006)
An overview of access to financial services in Latin America and the Caribbean, analyzing information from MFIs and from household surveys.
Microfinance in Latin America and the Caribbean: Connecting Supply and Demand (2006)
This paper provides a snapshot of access to financial services in Latin America and the Caribbean.
BancoSol: El Reto del Crecimiento en Organizaciones de Microfinanzas (Spanish) (1996)
What dangers lie on the path of growth when expanding microfinance operations?
Microcrédito y Los Más Pobres: Teoría y Evidencia desde Bolivia (Spanish) (2000)
What determines the depth of outreach?
Apex Organizations and the Growth of Microfinance in Bolivia (1998)
Does Bolivia need more apex organizations?
Innovative Approaches to Rural Lending:Fininciera Calpia in El Salvador (2000)
What lessons can be learnt from the success of Financiera Calpia?
Factores Internos y Externos que Influyen en es Desarollo del Sector Microfinanciero (2002)
The Process of Adapting a Lending Technology: Financiera Calpia in Rural El Salvador (1999)
What are techniques that can be carried between urban and rural areas?
Lending Technologies, Competition, and Consolidation in the Market for Microfinance in Bolivia(working Paper) (2002)
Do both individual and group lending technologies attract the poor?
Microfinance Market Niches and Client Profiles in Bolivia (1996)
Do certain design features attract particular subsets of clientele?
Apex Organisations and the Growth of Microfinance in Bolivia (1998)
What are the arguments against apex organisations in microfinance?
BancoSol: The challenge of growth for microfinance organizations (1997)
What dangers lie on the path of growth when expanding microfinance operations?
An Innovative Approach to Rural Lending: Financiera Calpia in El Salvador (1999)
Learning from the lending technologies of successful microfinance organizations
Microcredit and the Poorest of the Poor: Theory and Evidence from Bolivia (2000)
What determines the depth of outreach?
Lending Technologies, Competition, and Consolidation in the Market for Microfinance in Bolivia (2003)
How do credit market structure and loan contract terms affect borrower welfare?

Articles by: Schreiner, M. (88 items)

Can Scoring Help Attract Profit-minded Investors to Microcredit? (2005)
Presentation at financial sector development conference "New Partnerships for Innovation in Microfinance", June 23-24, 2005, Frankfurt.
Scoring Drop-Out at a Microlender in Bolivia (2004)
How can scoring help microlenders address client drop-outs?
Aspectos de Cobertura: Un Marco para la Discusión de los Beneficios Sociales de las Microfinanzas con un Ejemplo de BancoSol de Bolivia (Spanish) (2002)
The poverty lending vs. the financial system approaches to microfinance
BancoSol: El Reto del Crecimiento en Organizaciones de Microfinanzas (Spanish) (1996)
What dangers lie on the path of growth when expanding microfinance operations?
Microcrédito y Los Más Pobres: Teoría y Evidencia desde Bolivia (Spanish) (2000)
What determines the depth of outreach?
El Riesgo de Deserción de Prestatarios de un Prestamista de Microcrédito en Bolivia (Spanish) (2000)
This paper presents a scoring model that predicts risk of drop-outs for a Bolivian MFI.
Un Modelo de Scoring del Riesgo de Morosidad para los Créditos de una Organización de Microfinanzas en Bolivia (Spanish) (1999)
Can scoring models help microlenders in poor countries as much as they have helped credit-card lenders in rich countries?
Financiamiento Para las Micro y Pequeñas Empresas: Algunas Líneas de Acción (Spanish) (1998)
How donors can help in developing a sustainable microfinance sector?
Arboles Estadisticos en las Microfinanzas: Haz tu Propio Scorecard en tu Tiempo Libre (Spanish) (2001)
What is a statistical scoring tree and what are the benefits of using it?
Mujeres, Microfinanzas, y Ahorro: Lecciones y Propuestas (Spanish) (2001)
What are the informal saving mechanisms for women in developing countries?
El Scoring Estadistico, Los Bancos y las Microfinanzas: Como Lograr un Balance entre el Uso de Tecnologia y la Atencion Personalizada (Spanish) (2005)
Como usar scoring, una tecnologia fria, con la tecnologia humana tradicional de las microfinanzas?
Scoring para las Microfinanzas (Spanish) (2003)
Para que sirve scoring para las microfinanzas?
Un Indice de Pobreza para México (Spanish) (2006)
A scorecard to track poverty changes over time, and report on poverty rates
A Simple Poverty Scorecard for Mexico (2006)
A scorecard to track poverty changes over time, and report on poverty rates
Las Microfinanzas en la Zona Rural de Argentina (Spanish) (2001)
Can the success of urban microfinance be replicated in rural Argentina?
Scoring en las Microfinanzas: ¿Podrá Funcionar? (Spanish) (2000)
Can credit scoring work for microfinance?
Ventajas y Desventajas del Scoring Estadístico para las Microfinanzas (Spanish) (2002)
This paper discusses the benefits and pitfalls of credit scoring applied to microfinance.
Poverty Scorecards for Bangladesh, Haiti, India, Mexico, Pakistan, and the Philippines (2006)
Summary of Grameen Foundation's work with poverty scorecards in six countries
A Simple Poverty Scorecard for Bangladesh (2006)
A scorecard to track poverty changes over time and report on poverty rates in Bangladesh
A Simple Poverty Scorecard for Bolivia (2006)
A scorecard to track poverty changes over time and report on poverty rates in Bolivia
A Simple Poverty Scorecard for Haiti (2006)
A scorecard to track poverty changes over time and report on poverty rates in Haiti
A Simple Poverty Scorecard for India (2006)
A scorecard to track poverty changes over time and report on poverty rates in India
Is One Simple Poverty Scorecard Enough for India? (2006)
This paper compares the accuracy of an all-India scorecard with rural and urban-specific scorecards
A Simple Poverty Scorecard for Pakistan (2006)
A scorecard to track poverty changes over time, and report on poverty rates in Pakistan
A Simple Poverty Scorecard for the Philippines (2006)
A scorecard to track poverty changes over time, and report on poverty rates in the Philippines
Response to IRIS Questions on Poverty Scorecards (2006)
Mark Schreiner responds to questions from USAID and IRIS on Grameen Foundation’s approach to poverty scoring.
Scoring Arrears at a Microlender in Bolivia (2004)
A look at the value of scoring models for microlenders in poor countries
The Power of Prizma’s Poverty Scorecard: Lessons for Microfinance (2005)
How well does Prizma’s poverty scorecard identify poor clients?
Apex Organizations and the Growth of Microfinance in Bolivia (1998)
Does Bolivia need more apex organizations?
"Measuring Outreach" Conceptual Workshop Proceedings 22-23 January 2004 (microPAPER No. 3) (2004)
How can microfinance institutions measure their progress towards social objectives?
Credit Scoring, Banks and Microfinance: Balancing High-Tech with High-Touch (2005)
Can the process of “scoring” loans help micro-enterprises generate profit?
Cost-Effectiveness in Individual Development Accounts (2005)
Can explicit evaluation of social work interventions help address the issue of cost effectiveness?
Saving in ADD: Measures from MIS IDA (2005)
Can appropriate policy help the poor save?
Microfinance, Regulation and Uncollateralized Loans to Small Producers in Argentina (2001)
How can access to uncollaterised loans be improved for the small producers of Argentina?
Match Rates, Individual Development Accounts and Saving by the Poor (2005)
How to adequately analyze the effect of match rates on savings?
Credit Scoring in Microfinance: Guidelines Based on Experience with WWB Affiliates in Colombia and the Dominican Republic (2003)
Credit scoring: A powerful tool for MFIs
Asset-Building for Microenterprise through Matched Savings in Low-Income Countries (2004)
Can Individual Development Accounts help the self-employed poor in low-income countries build assets?
Support for Microenterprise as Asset-Building: Concepts, Good Practices, and Measurement (2004)
What is the role of asset-building in the development of microenterprises?
Poverty Scorecards: Lessons from a Microlender in Bosnia-Herzegovina (2004)
Are poverty scorecards good indicators of poverty?
Scoring for Microfinance (2001)
What are the advantages of scoring in microfinance?
Self-Employment, Microenterprise, and the Poorest (1999)
Micro enterprises aim at economic development and self employment
Lessons for Microenterprise Programs from a Fresh Look at the Unemployment Insurance Self-Employment Demonstration (1999)
Are micro enterprises a good usage of public funds?
Evaluation and Microenterprise Programs (2001)
Are micro enterprise evaluations useful?
Microenterprise in the First and Third Worlds (2001)
How to address the challenges of microenterprise development in the First world?
Family Assets for Independence in Minnesota (2001)
What are the characteristics of poor Minnesotans and how do they affect savings?
Income, Institutions, and Saving Performance in Individual Development Accounts (2001)
Are income and savings correlated?
Access to Formal Finance for the Unbanked in Developed Countries (1997)
How to take formal financial services to the poor?
Microfinance for Microenterprise: A Source Book for Donors (2001)
How donors can help in developing a sustainable microfinance sector?
Rural Financial Markets in Argentina: Access to Financial Services and Institutional Performance (1997)
Bringing efficiency in rural financial market
Do-It-Yourself Microfinance Scoring Trees (2001)
What is a statistical scoring tree and what are the benefits of using it?
Benefits and Pitfalls of Statistical Credit Scoring for Microfinance (2004)
What is statistical credit scoring and how effective is it? New!
Program Costs for Individual Development Accounts: Final Figures from CAPTC in Tulsa (2004)
Cost effective approach towards saving in Individual Development Accounts
From Urban to Rural: Lessons for Microfinance from Argentina (2001)
Can the success of urban microfinance be replicated in rural Argentina?
A Cost-Effectiveness Analysis of the Grameen Bank of Bangladesh (2003)
The success story for Grameen Bank
Microfinance, Regulation, and Uncollateralised Loans to Small Producers in Argentina (2001)
The essence of microfinance: uncollateralised loans to borrowers without a constant source of income from a wage job
The Subsidy Dependence Index and Recent Attempts to Adjust it (1999)
Are there alternatives to the SDI?
Choices by Poor Households When the Interest Rate for Deposits Differs From the Interest Rate for Loans (1998)
To what extent do interest rates influence the household's decision to save or borrow?
Microfinance Market Niches and Client Profiles in Bolivia (1996)
Do certain design features attract particular subsets of clientele?
The Material Conditions for Microenterprise Programs in the United States and the Third World (2000)
Can microenterprise programs be as successful in the United Sates as in the Third World?
Ways Donors Can Help the Evolution of Sustainable Microfinance Organizations (2000)
An exploration of the relationship between donors and sustainable microfinance
Thinking About the Performance and Sustainability of Microfinance Organisations (1996)
A guide to defining and measuring performance and sustainability
A Framework of Asset-Accumulation Stages and Strategies (2001)
How do people go about accumulating savings?
Discrimination in Installment Lending By Retailers of Consumer Durables in Apartheid South Africa (1996)
Are black households discriminated against in the supply of hire purchase loans?
Evaluations of Microenterprise Programs in the United States (1999)
Evaluation of MEPs abroad and suggestions on how to improve the evaluation of MEPs in the United States
Apex Organisations and the Growth of Microfinance in Bolivia (1998)
What are the arguments against apex organisations in microfinance?
Formal RoSCAs in Argentina (1999)
What are the features of "formal" RoSCAs? What role can they play in development?
A Scoring Model of the Risk of Costly Arrears at a Microfinance Lender in Bolivia (1999)
Can scoring models help microlenders in poor countries as much as they have helped credit-card lenders in rich countries?
Notes on Methods Used In A Survey Of Rural Clients Of Financiera Calpia in El Salvador (Working Paper) (1999)
Why study the rural borrowers of Calpia
Meta-Rules (2001)
What are meta-rules? How are they designed? And what is their relationship with development?
Dominican Republic: Analysis of the Clients of FondoMicro (1995)
How have FondoMicro's clients performed to date and what are their plans for the future?
Microcredit and the Poorest of the Poor: Theory and Evidence from Bolivia (2000)
What determines the depth of outreach?
A Framework for the Analysis of the Performance and Sustainability of Subsidized Microfinance Organizations with Application to BancoSol of Bolivia and to Grameen Bank of Bangladesh (1997)
How much can you buy an MFI for?
Poverty Lending, Financial Self-Sufficiency, and the Six Aspects of Outreach (2002)
Are financial self-sufficiency and depth of outreach mutually exclusive?
Credit Scoring for Microfinance: Can it Work? (2000)
Why credit scoring is set to become one of the most important decison tools for lenders?
Development Finance Institutions: Measuring Their Subsidy (2001)
What should be considered in evaluating a rural financial institution's financial performance ?
Asset Accumulation in Low-resource Households: Evidence from Individual Development Accounts (2001)
How can assets accumulation help in poverty alleviation?
Saving, IDA Programs, and Effects of IDAs: A Survey of Participants (2001)
IDA participants: more self confident about the future?
Informal Finance and The Design of Microfinance (2000)
How can microfinance best serve the poor?
Measuring Savings (2004)
How do people mobilize savings?
Replicating Microfinance in the United States: Opportunities and Challenges (2001)
Economic structure in the U.S. makes starting up small businesses harder than in many developing countries
Statistical Sampling to Measure Portfolio-At-Risk in Microfinance (2003)
How to achieve greater accuracy in measuring the proportion of portfolio at risk
Resources Used to Produce Individual Development Accounts in the First Two Years of the Experimental Program of the American Dream Demonstration at the Community Action Project of Tulsa County (2000)
What was the cost of producing IDAs?
Financial Education and Savings Outcomes in Individual Development Accounts (2001)
Financial education has significant effects for the poor
Match Rates and Savings: Evidence from Individual Development Accounts (2004)
Do higher match rates lead to decreased levels of savings?
A Framework for Financial Benefit-Cost Analysis of Individual Development Accounts at the Experimental Site of the American Dream Demonstration (2000)
Can IDAs acheive their purposes cost-effectively?
Seven Aspects of Loan Size (2002)
What is loan size to profitability and outreach?
Scoring: The Next Breakthrough in Microcredit? (Occassional Paper No. 07) (2003)
Can self-employed poor repay their debts as promised?
Microenterprise Development Programs in the United States and in the Developing World (2003)
Can microenterprise be successfully developed in the United States?
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