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Author: Daniel Rozas

It’s a question that comes up at nearly dinner discussion of microfinance: why are the interest rates so high, and how can poor clients afford them? So, you have the answer – interest rates are high because operating in difficult environments is costly, and because those costs have to be recouped from small loans.

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Author: Sanjay Sinha

Relatively light and supportive regulation of microfinance, systematic and graded requirements for deposit taking, and a positive approach to foreign private investors make Cambodia a very popular destination for international social investors. Not surprisingly, over the past decade, Cambodian microfinance has gone from a largely NGO domain to a haven of commercial microfinance where international NGOs remain but mostly (now) as commercial investors gradually cashing in on their grant investments of the late 1990s and early 2000s.

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Author: e-MFP

Interview by B. De Bruyne with E. Javoy (Planet Rating) and D. Rozas.
Full disclosure: in addition to being co-author of MIMOSA, Daniel Rozas is the editor of the e-MFP blog.

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Author: Sam Mendelson

We think of microfinance as being ‘invented’ in Bangladesh in the 1970s. To be sure, Grameen was the genesis of modern microcredit, the provision of small, unsecured loans to mostly women, for enterprise development. But microfinance – defined more broadly as financial services to the poor – goes back as far as money and commerce.

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Author: Malcolm Harper

I am not a regular blogger (does the noun exist ? It sounds slightly inappropriate) but I have succumbed to an invitation to share some hasty and ill-considered thoughts with a wider readership than myself. And, as is often the case, the subject is microfinance; I know quite a lot about it, if knowing means writing books about it, criticising it, directing and rating it, but like just about everyone who reads this note, I have never actually used it.

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