By Nimal Fernando

This document presents a framework for assisting the improvement of sustainable microfinance structures that supply different, top quality companies to commonly underserved low-income or terrible families and their microenterprises. specifically, the slow commercialization of the Philippines's heterogeneous microfinance is explored, in addition to the rest demanding situations to sustainable microfinance in different international locations, together with inadequate realizing of the microfinancing strategy and gradual circulation towards commercialization.

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Extra resources for Commercialization of Microfinance: Philippines

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3). 8 million, corresponding to 96,185 additional depositors’ accounts. More than 96,000 microdepositors have also opened savings accounts at MABS participating rural banks. Having successfully assisted rural banks in Mindanao to achieve profitable microfinance departments, RBAP formed the Microfinance Technical Services Unit in November 2000 to replicate the introduction of the MABS approach in the Luzon and Visayas regions. The RBAPMABS Technical Services Unit currently works with eight pilot participating rural banks in Luzon and the Visayas and also provides support to the 20 participating banks in Mindanao.

6 million) with an initial paid-in capital of P5 million ($100,000). The majority shareholder is the E. Zobel Foundation (EZF), an NGO headed by its chairperson, Enrique Zobel, which implies that the Banco ng Masa will not reap the full benefits of commercial ownership; it will be guided by an NGO representative rather than an investor with his or her own assets at risk. EZF is driven by a social mission, established in 1986 primarily to help people with disabilities. In 1988, however, EZF shifted to helping microentrepreneurs without access to financial services.

This high growth rate was made possible in large part by its creation of a rural bank and ability to mobilize savings. 5%. CARD independently reported an operational self-sufficiency ratio of 140% and a financial self-sufficiency ratio of 118% at end-2001. 20 MICROFINANCE: PHILIPPINES CARD employs a variety of microfinance methodologies, but the bulk of its microlending is based on a modified Grameen model. Its target clients are landless female rural workers who have no regular jobs and have total marketable assets of less than P50,000 (about $1,000).

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