Banking And Micro Finance Regulation And Supervision

Author : Kenneth Kaoma Mwenda
Publisher : Universal-Publishers
ISBN 13 : 1581126050
Total Pages : 252 pages
Book Rating : 4.51/5 ( download)

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Download or read book Banking and Micro-finance Regulation and Supervision written by Kenneth Kaoma Mwenda and published by Universal-Publishers. This book was released on 2002 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines contemporary legal and policy issues facing banking and micro-finance supervision and regulation in Zambia. The book sets out an interdisciplinary exposition of the law. It provides an interface of financial services law and practice. Relevant aspects of business management and economic theory are examined as well. The book attempts to permeate intellectual spheres that have not been explored in depth before. In essence, this is not a simple textbook on the introductory aspects of a particular field of law, as is often the case with many books that have titles such as "Introduction to Business Law" or "Fundamentals of Tort Law", and so forth. By contrast, the book breaks new ground in the area of financial services regulation. Indeed, a law in context approach is presented, giving added value to the field of knowledge in the book.

Author : David Onditi
Publisher : GRIN Verlag
ISBN 13 : 3668964998
Total Pages : 26 pages
Book Rating : 4.90/5 ( download)

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Download or read book MFI regulation and supervision written by David Onditi and published by GRIN Verlag. This book was released on 2019-06-25 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (undergraduate) from the year 2019 in the subject Business economics - Business Management, Corporate Governance, grade: A+, University of Nairobi (Main Campus), course: International Business, language: English, abstract: There are a number of key principles of microfinance regulations. However, empirical research indicates that some key principles such as governance, and capital adequacy should be the main focus of the microfinance regulation and supervision. CGAP (2012) developed the Consensus guideline for the supervision and regulation of the microfinance institutions (MFIs). CGAP indicated that the MFIs should have a higher capital adequacy ratios as compared to the commercial banks since the microloans issued by the MFIs have insufficient security and the borrowers main motivation to repay the loans is the expectation that they would receive more loans. The MFIs are at a higher risk of loan delinquency contagion that can lead to a significant increase in the de-capitalization. Berger agreed with the above view by stating that MFIs need to have minimum capital adequacy as a means of helping the organizations to overcome the volatilities. The researcher thus concurs that capital adequacy should be a key principle in the regulation and supervision of the MFIs due to the volatilities associated with low collateral quality in the MFI loans, and increased risk of loan repayment delinquency. However, the principle should only apply to the MFIs that offer uncollateralized loans or in the cases where the security is not adequate to effectively cover the loan.

Author :
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 46 pages
Book Rating : 4./5 ( download)

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Download or read book Comparative Review of Microfinance Regulatory Framework Issues in Benin, Ghana, and Tanzania written by and published by World Bank Publications. This book was released on 2005 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: Abstract: The authors investigate the microfinance regulatory regimes in Benin, Ghana, and Tanzania, with a view to identifying key issues and lessons on how the overall regulatory framework affects integration of microfinance institutions into the financial system. The authors find that recognizing different tiers of both regulated and unregulated institutions in a financial structure facilitates financial deepening and outreach to otherwise underserved groups in urban and rural areas. That environment promotes sustainable microfinance under shared performance standards and encourages regulatory authorities to develop appropriate prudential regulations and staff capacity. Case studies of the three countries raise important issues on promoting microfinance development vis-à-vis regulating them. Laws to regulate activities other than intermediation of public deposits into loans can result in disproportionately restrictive and unmanageable standards, even as dynamic microfinance sectors have emerged without conducive regulatory regimes. The authors use the three countries' regulatory experiences to highlight the importance of differentiating when prudential supervision is warranted and when regulatory oversight suffices, and to identify the agencies to carry out regulation. They address an important issue that has received scant attention, measuring and paying for the costs of regulating microfinance, and the need to build technical capacity of supervisory and regulatory staff.

Author :
Publisher :
ISBN 13 :
Total Pages : 60 pages
Book Rating : 4.35/5 ( download)

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Download or read book Micro Finance Policy, Regulatory and Supervisory Framework for Nigeria written by and published by . This book was released on 2005 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Hennie Van Greuning
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 46 pages
Book Rating : 4./5 ( download)

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Download or read book A framework for regulating microfinance institutions written by Hennie Van Greuning and published by World Bank Publications. This book was released on 1999 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Joanna Ledgerwood
Publisher : World Bank Publications
ISBN 13 : 0821384317
Total Pages : 304 pages
Book Rating : 4.12/5 ( download)

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Download or read book Microfinance Handbook written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 1998-12-01 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.

Author : Panagiotis Delimatsis
Publisher : Kluwer Law International B.V.
ISBN 13 : 9041137645
Total Pages : 424 pages
Book Rating : 4.47/5 ( download)

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Download or read book Financial Regulation at the Crossroads written by Panagiotis Delimatsis and published by Kluwer Law International B.V.. This book was released on 2011-04-01 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book brings outstanding expertise and provides insightful perspectives from nineteen authors with diverse backgrounds, including officials from international organizations, national regulators, and commercial banking, as well as academics in law, economics, political economy, and finance. The authors not only shed light on the causes of the financial turmoil, but also present thoughtful proposals that contribute to the future policy debate, and discuss opportunities that financial services can offer in funding activities which raise standards of living through initiatives in microfinance, renewable energy, and food distribution. The contributions to this volume tackle several of the thorniest issues of financial regulation in a post-crisis environment, such as: the mechanics of contagion within the financial system and the role of liquidity; moral hazard when large financial institutions are no longer subject to the disciplinary effects of bankruptcy; bank capital requirements; management compensation; design of bank resolution schemes; a function-centric versus institution-centric regulatory approach; subsidization and compatibility of stimulus packages with EU rules on state aid; trade finance and the role of the GATS prudential carve-out; and the role of financial services in promoting human rights or combating climate change.

Author : Eugenia Macchiavello
Publisher : Routledge
ISBN 13 : 1317227581
Total Pages : 308 pages
Book Rating : 4.88/5 ( download)

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Download or read book Microfinance and Financial Inclusion written by Eugenia Macchiavello and published by Routledge. This book was released on 2017-07-20 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: Following the recent global financial crisis there is a growing interest in alternative finance – and microfinance in particular – as new instruments for providing financial services in a socially responsible way or as an alternative to traditional banking. Nonetheless, correspondingly there is also a lack of clarity about how to regulate alternative financial methods particularly in light of the financial crisis’ lessons on regulatory failure and shadow banking’s risks. This book considers microfinance from a legal and regulatory perspective. Microfinance is the provision of a wide range of financial services, particularly credit but also remittances, savings, to low-income people or financially excluded people. It combines a business structure with social inspiration, often resorts to technological innovations to lower costs (Fintech: e.g. crowdfunding and mobile banking) and merges with traditional local experiences (e.g. financial cooperatives and Islamic finance), this further complicating the regulatory picture. The book describes some of the unique dimensions of microfinance and the difficulties that this can cause for regulators, through a comparative analysis of selected European Union (EU) countries’ regimes. The focus is in fact on the EU legal framework, with some references to certain developing world experiences where relevant. The book assesses the impact and validity of current financial regulation principles and rules, in light of the most recent developments and trends in financial regulation in the wake of the financial crisis and compares microfinance with traditional banking. The book puts forward policy recommendations for regulators and policy makers to help address the challenges and opportunities offered by microfinance.

Author : Iffath Sharif
Publisher :
ISBN 13 :
Total Pages : 452 pages
Book Rating : 4.98/5 ( download)

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Download or read book Challenges for Second Generation Microfinance written by Iffath Sharif and published by . This book was released on 2001 with total page 452 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contributed articles.

Author : Joselito S. Gallardo
Publisher :
ISBN 13 :
Total Pages : 48 pages
Book Rating : 4.89/5 ( download)

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Download or read book A Framework for Regulating Microfinance Institutions written by Joselito S. Gallardo and published by . This book was released on 2002 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: How does a country's legal and regulatory framework affect the sustainability of microfinance? Does a tiered approach to regulation help to integrate microfinance into the formal financial system? And are there lessons to be learned from the experience of Ghana and the Philippines with a tiered approach?