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European Microfinance Network – Research Group Research Projects and Papers on Microfinance and Micro-Entrepreneurship in Europe Organisation Publication / Theme Project Project Name/Paper Title MFC Publication Challenging the Industry: PovertyFocused Microfinance in CEE and the NIS -MFC Spotlight Note #1: Programme Quality and Impact Sustaining Social Performance. Institutionalising Organisational Learning and Poverty Outreach at Prizma - MFC Spotlight Note #2: Sustainability Improving Cost-Effectiveness of and Exploratory Practitioner-Led Research: Operational Key Factors to Consider When Performance Selecting Tools - MFC Spotlight Note #3: Scoring Change; Prizma's Approach to Assessing Poverty- MFC Spotlight Note #4: MFC Publication MFC Publication MFC Publication MFC Publication Programme Quality and Impact Realising Mission Objectives - A Promising Approach to Measuring the Social Performance of Microfinance Institutions - MFC Spotlight Note #5: MFC Publication Programme Quality and Impact Sustainability and Operational Performance Programme Quality and Impact Role of Microfinance in the Household Reconstruction Process in Bosnia and Herzegovina - MFC Spotlight Note #6: Cost-effective client assessment in a small microfinance institution: the experience of Demos in Croatia - MFC Spotlight Note #7 Counting (On) Your Prospective Clients: Guiding Principles in Measuring Microfinance Client Satisfaction and Loyalty - MFC Spotlight Note #8 Promoting Client-focused Organization Partner's Exit Monitoring System - MFC Spotlight Note #9: MFC Publication MFC Publication MFC Publication Programme Quality and Impact MFC Publication Programme Quality and Impact Beyond Numbers: Prizma's Exit Monitoring System - MFC Spotlight Note #10: MFC Publication Programme Quality and Impact Client Desertion - How To Diagnose It Successfully? - MFC Spotlight Note #11: MFC Publication Sector Survey Overview of the Microfinance Industry and Analysis in the ECA Region in 2003 - MFC Spotlight Note #12: MFC Publication Programme Quality and Impact Entering New Markets: How Market Research Can Inform Product Development. Based on a Case Study by MDF-Kamurj, Armenia. - MFC Spotlight Note #13: MFC Publication Programme Quality and Impact MFC Publication MFC Publication Programme Quality and Impact Institutionalizing Market Intelligence: An Important Step to Become ClientFocused MFI. Based on a Case Study of MDF-Kamurj, Armenia - MFC Spotlight Note #14: Directory of Donors and Investors Active in Eastern Europe and Central Asian (ECA) The Power of Prizma‟s Poverty Scorecard: Lessons for Microfinance MFC Publication Demand for Microinsurance in Georgia: Quantitative Study Results MFC Publication MFC Publication Programme Social Performance Management in Quality and Microfinance: Guidelines Impact Sustainability 2003 Georgia Benchmarking Report and Operational Performance MFC/EMN/CDFA Project At Risk Groups From Exclusion to Inclusion Through Microfinance: Learning From East to West and West to East. Project funded by European Commission. MFC Project Programme Quality and Impact Programme Quality and Impact Advancing Social Performance Management of Microfinance in the Region Financial Education MFC Project MFC Project MFC Project Programme Quality and Impact Programme Quality and Impact Poverty Assessment Tools Practicality Test Cost/Benefits of MicroSave‟s Market Research, Pilot-Testing Toolkit, Process Mapping and Strategic Marketing Toolkits On Financial Institutions in Eastern Europe Market for Microinsurance MFC Project Market Research MFC Project At Risk Groups Microfinance and vulnerability in rural Uzbekistan MFC Project IFAD-CGAP Pro-poor Innovation Challenge: Responding to Financial Needs of the Rural Poor Market Research Programme Quality and Impact Microinsurance Demand Study ImpAct Program: Improving Impact of Microfinance on Poverty MFC MFC Project Project MFC Project Market Research MFC Project SEEP Practitioner Learning Program: Institutionalized Client Tracking System Informing Market Research and Building Customer Loyalty Working Group: MFC Project Sector Survey Mapping Study of MFIs in CEE and the and Analysis NIS University of Publication Michigan-William Davidson Institute Sustainability and Operational Performance Foro Nantik Lum Publication Governance and Performance of Microfinance Institutions in Central and Eastern Europe and the Newly Independent States, University of Michigan Working Paper 677, April 2004. Sector Survey Los Microcréditos: Alternativa and Analysis financiera para combatir la exclusión social y financiera en España. Descripción de las principales iniciativas - Microcredit: a financial alternative to combatting social and financial exclusion in Spain Foro Nantik Lum Publication Sector Survey Las Entidades Sociales de Apoyo al and Analysis Microcrédito: Su papel en la concesión de microcréditos en España - Support provided by Spanish social organisations to the microcredits programme from Savings banks and the Government in Spain Sector Survey Los Microcréditos en España: and Analysis Principales Magnitudes 2004 - Main figures of microcredits in Spain (year 2004) Foro Nantik Lum Publication Turku School of Economics and Business Administration Turku School of Economics and Business Administration Publication Programme Quality and Impact Finnvera Oyj: Kansainvälinen arviointi (International evaluation of Finnvera Oyj) Publication Capital And Intellectual Capital Venture Capitalist‟s Financial And NonFinancial Contribution In Portfolio Companies Turku School of Economics and Business Administration Publication Sector Survey Small business development in the and Analysis North-Western Russia Turku School of Economics and Business Administration Turku School of Economics and Business Administration Publication Programme Quality and Impact Business advisory service for new and recently established micro firms Publication New Meanings for Entrepreneurs: From risk-taking heroes to safe-seeking professionals Turku School of Economics and Business Administration Turku School of Economics and Business Administration Publication From Unemployment to Entrepreneurship: Constructing Different Meanings Project Programme Quality and Impact On going research programme: An evaluation of a development programme for business development organisations Policy Measures for Promotion of the Use of Microcredit in Europe for Social Inclusion Evers & Jung, Publication Facet, nef, EMN, MFC Regulatory and Policy Environment EMN Publication Sector Survey Overview of the Microfinance Sector in and Analysis Western Europe 2002-2003 At Risk Groups Immigrants Participation in Microloan Programmes in Western Europe EMN Publication EMN Publication At Risk Groups Women and Microlending in Western Europe EMN EMN Publication Forthcoming Publication Forthcoming At Risk Immigrant Handbook Groups Sector Survey Overview of the Microfinance Sector in and Analysis Western Europe 2004-2005 Glosario básico sobre microfinanzas Foro Nantik Lum Publication Giordano Del Amore Foundation Giordano Del Amore Foundation ILO Publication Sector Survey Microfinance in Europe and Analysis At Risk Groups Immigrants and Financial Services: Literacy, Difficulty of Acces, Needs and Solutions, The Spanish Experience Integration of the socially excluded through self employment and microcredit in Europe Publication Publication Regulatory and Policy Environment Fondazione Risorsa Donna Project and Publication At Risk Groups Women and microfinance: A new path for development in mediterranean countries? Adie Publication IFF Publication PFRC, IFF Publication Facet, IFF Publicaation Facet Publication Programme Quality and Impact Regulatory and Policy Environment Banking and Financial Sector Role Sustainability and Operational Performance Several themes “Les petites activités génératrices de revenus dans les quartiers précarisés” Regulation of Microfinance In Europe Banks and Micro-lending: Support, Cooperation and Learning Microcredit Hand Book “Microkredieten in Nederland, Een nog onontgonnen gebeid, kansen en uitdagingen voor banken en starters,” (Microcredit in the Netherlands) FACET BV for the Netherlands Ministry of Foreign Affairs, 2006. Micro-credit as a model for efficient commercial small-scale lending and its application in banks Local economic development and international benchmarking Evers & Jung Publication Evers & Jung Publication Banking and Financial Sector Role Banking and Financial Sector Role Publication Sector Survey Microlending in Germany: A case and Analysis study of DMI Evers & Jung Publication Banking and Financial Sector Role European regulation for socially responsible banks? Learning the lessons from the US American CRA Agence Alter Publication Sector Survey Autocréation d'emploi: pour un and Analysis nouveau circuit d'insertion Programme Quality and Impact Programme Quality and Impact Attracting clients, The challenge of marketing for CDFIs in the UK nef, ASPIRE Publication nef Publication Entrepreneurial Mentoring: A key to business Success nef Publication nef, Prowess Publication Programme Quality and Impact At Risk Groups Banking and Financial Sector Role Programme Quality and Impact Banking and Financial Sector Role Social Return on Investment: Valuing what Matters Who Benefits? The difficulties for women in making the transitions from unemployment to self-employment Life Saving: Community Development Credit Unions nef Publication nef Publication Beyond Micro-Credit: Putting Development back into Micro-Finance nef Publication An Ethical Door Policy: How to avoid the erosion of ethics in Socially Responsible Investment nef Publication Funding Finance for Local Development: new solutions for public-private action nef Publication Regulatory and Policy Environment Regulation Microfinance: A Global Perspective CDFA Publication Programme Quality and Impact Aspire- Microloans for Business CDFA Publication Banking and Financial Sector Role Community Investment Tax Relief - A Guide for CDFIs CDFA Publication Banking and Financial Sector Role Community Investment Tax Relief - A Guide for Investors CDFA Publication CDFA Publication Sector Survey Finding Finance. A Directory of and Analysis Community Development Finance providers Programme Guide to Building a CDFI Quality and Impact Sector Survey Inside Out 2003,2004,2005.The State and Analysis of Community Development Finance Programme Quality and Impact Financial Exclusion Programme Quality and Impact Regulatory and Policy Environment Sector Survey and Analysis Money-go-Round. Recycling Finance. Realising Potential Enterprising Communities: Wealth Beyond Welfare. A 2003 Update on the Social Investment Task Force Enterprising Communities: Wealth Beyond Welfare A 2005 Update on the Social Investment Task Force Standard Lending PrecedentsFocusing on Consumer Credit Act Le crédit à la Consommation sociale en Grande Bretagne in Le Crédit Accessible aux Personnes à Revenus Modestes CDFA Publication CDFA CDFA Publication Publication CDFA Publication CDFA Publication Observatoire du Crédit et de l'Endettement Publication Publication Publication Banking and Financial Sector Role Banking and Financial Sector Role Salford University Presentation WEETU-nef Report Banking and Social Cohesion: Alternative Responses to a Globalised market Banques et Cohésion Sociale - pour un finacement de l'économie à léchelle humaine: la faillite des banques, les réponses des citoyens. Sustainability Dayson, K. (2005), Are community and development finance institutions doing too Operational much?, Research paper presented at ISBE Performance Conference November 2005 Programme WEETU Social Return on Investment Quality and Report Impact WEETU-nef Report Publication Programme Quality and Impact Sector Survey and Analysis WEETU Social Impact Evaluation Report Von Mikro-Mäusen bis Mikro-Elefanten – Divergierende Vorstellungen hinter der Definition des Microlendings. ( translation: From micro-mice to micro-elephants Diverging views behind the definition of micro-lending EU Unterstützung für Microlending? Publication Funding Publication Sector Survey European Union and Microfinance: and Analysis The Missing Paradigms Publication Several themes The Application of Microcredit Technology to the UK Street UK Publication Programme Quality and Impact Street-UK - Lessons Learned Street UK and Publication Community Links Regulatory and Policy Environment Regulatory and Policy Environment Programme Quality and Impact Publication Self-Employed people in the informal Economy-Cheats or Contributors? Evidence, Implications and Policy Recommendations. Microlending a Case for Regulation in Europe Evaluation of Hordaland Network Credit, Norway Bradford School of Management Report European Savings Banks Group University of Salford Report Publication Banking and Financial Sector Role Sector Survey and Analysis The Provision of Microfinance Services by Savings Banks Investing in People and Places. Salford: University of Salford Publication Diane Project EQUAL Publication At Risk Groups At Risk Groups Restricted Access: Women-Owned Businesses in Profile Diane - Employment andSelfEmployment in 8 Different Countries: Belgium Diane Project EQUAL Publication At Risk Groups Diane Project EQUAL Diane Project EQUAL Diane Project EQUAL Diane Project EQUAL Diane Project EQUAL Diane Project EQUAL Diane Project EQUAL Publication At Risk Groups At Risk Groups At Risk Groups At Risk Groups At Risk Groups At Risk Groups At Risk Groups Publication Publication Publication Publication Publication Publication Les Femmes Entrepreneures Face à la Formation, au Financement et aux Réseaux - Recherche Quantitative : Rapport Exécutif National (Belgique), Diane Project, Financed by European Social Fund, 2004. Diane - Employment andSelfEmployment in 8 Different Countries: Germany Diane - Employment andSelfEmployment in 8 Different Countries: Greece Diane - Employment andSelfEmployment in 8 Different Countries: Italy Diane - Employment andSelfEmployment in 8 Different Countries: Spain Diane - Employment andSelfEmployment in 8 Different Countries: Sweden Diane - Employment andSelfEmployment in 8 Different Countries: The Netherlands Diane - Employment andSelfEmployment in 8 Different Countries: The United Kingdom The Economic Report and Social Research Council At Risk Groups Securing a Business Loan: How Important is Gender? Eurochambers Publication Publication Publication ILO Publication National Council Publication for Graduate Entrepreneurship Women in Business and DecisionMaking: A Survey On Women Entrepreneurs. At Risk How to Overcome Stereotypes in Groups Employment: Chambers Tools and Best Practices At Risk Women in business and DecisionGroups Making: the situation in Chambers across Europe. Sector Survey La Microfinance et la Création and Analysis d‟Entreprises par les Chomeurs : La Situation Dans Quelques Pays Européens et en Amérique du Nord At Risk Youth Entrepreneurship: Latent Groups Entrepreneurship, Market Failure and Enterprise Support At Risk Groups Small Change Research Partnership Small Change Research Partnership Small Change Research Partnership Report Financial Exclusion Financial Exclusion Financial Exclusion Financial Exclusion and Baseline Mapping Financial Exclusion Services Report: Supply Side Financial Exclusion in the Southeast of England: Summary, Conclusions and Recommendations Report Report Report Proximity Finance Foundation,Centr e de Connaissances du Financement des PME et la Fondation Roi Baudouin Programme Quality and Impact Etude d'Impact de la Microfinance en Belgique Report Réseau Financement Alternatif Paper Financial Exclusion Implementation Guide of Partnerships between Public authorities, Financial Institutions and social economy Financial Exclusion Une Alterité Bancaire et Solidare en Europe: Myth ou Réalité? Universtité de Nantes Report At Risk Groups Building on Strenghts: Entrepreneurship by persons migrating from a country outside the EU: Germany Country report L'Entrepreneuriat Immigré en Belgique: Etats des Lieux et Perspectives d'Avenir Evers & Jung Report At Risk Groups Fonds de Participation Report Fundacio Un Sol Mon Report At Risk Groups Financial Exclusion Self-Employment Advisory Services Offered to Immigrant Entrepreneurs: Spain Evaluation de la Loi du 24 Mars, 2003 Instaurant le Service Bancaire de Base Réseau Financement Alternatif Report Sector Survey Overview of the Microcredit Sector in and Analysis Europe, 2004-2005. Covering EU 25 and EEA countries EMN Report Banking and Financial Sector Role; Full Disclosure: Why Bank Transparency Matters; A comparision of UK and US Lending Practices in Disadvantaged Communities nef, Woodstock Institute Discussion Paper Microcredit Demand Study Is There a Market for Microlending in Industrialised Countries? Gesellshaft fur Arbeitsmarktaktivi erung Université Conference Montpelier I, Presentation Equipe de Recherche sur la Firme et l'Industrie At Risk Groups Comparison des Femmes Entrepreneurs: France Canada 117 entries Micro-Entrepreneurship in Europe Content Summary Country (ies) Studied Reaching more poor clients in a responsible and sustainable way in the Region, where depth of outreach is still shallow in comparison with others. steps that the microfinance organisation Prizma has taken to enhance and sustain social performance by institutionalizing organisational learning and deepening outreach to the poor in the culturally specific context of Bosnia-Herzegovina Process-centered approach of cost-effective practitioner-led exploratory research. Eastern Europe, Newly Independent States (NIS) BosniaHerzegovina Eastern Europe, Newly Independent States BosniaHerzegovina Prizma‟s approach to assess the poverty level of its clients and monitor change in this status over time. This paper focuses on the characteristics and development process of a poverty scorecardsystem Prizma and MFC have developed under Imp-Act. Proposition of a new approach for measuring social performance of Central and MFIs. Based on MFC field experience with different partners in CEE, Eastern Europe the paper argues that the key to developing sustainable social performance measurement systems and practices is to consider their design from the perspective of the institutional mission. summary of findings from the study conducted within Imp-Act Bosniaprogramme on the role of micro-enterprise lending in the household Herzegovina reconstruction process during 1996-2002 in Bosnia and Herzegovina. Case study highlighting the approach taken by DEMOS in Croatia in Croatia order to institutionalize its knowledge of clients and to provide clients with more tailored and appropriate products and services. Some general marketing research rules as well as new insights specific for the microfinance industry with regards to client satisfaction and loyalty. The paper discusses also the potential results one can obtain through conducting a client satisfaction and loyalty measurement survey. The note describes work on the development of an exit-monitoring system undertaken jointly by Partner and the MFC within the Ford Foundation sponsored ImpAct Programme. The note describes the rationale for the system‟s design, final system description and characteristics, lessons learned from the pilot test as well as drivers and constraints to the system institutionalization. Eastern Europe, Newly Independent States A summary of an approach taken by Prizma supported by MFC under the Imp-Act program for monitoring and understanding exiting clients. This paper focuses on the exit monitoring rationale, final system characteristics, the design process, evaluation of the pilot tests and subsequent launches in all Prizma branches, the costs and benefits of this approach, and issues to be taken into account for improving the system. Key principles in investigating client desertion – insights based on the action-research work of MFC together with Partner, Prizma, BosVita (within the Imp-Act Programme) and MDF Kamurj (within SEEP PLP). The results of research carried out among microfinance institutions. The objective of the research was to study the state of the microfinance sector at the end of 2003 among different institutional models – credit unions, NGO MFIs, downscaling commercial banks and microfinance banks – that operate in the following five subregions: the Balkans, Central and Eastern Europe (CEE), the Caucasus, Central Asia and Russia/Ukraine/Belarus. BosniaHerzegovina BosniaHerzegovina Balkans, Central and Eastern Europe, Caucasus Central Asia Russia Ukraine Belarus Armenia This note discusses how market research can inform and lower the risks associated with new product development. It focuses on technical considerations regarding various market research options in situations when one enters a completely new market. Presentation of a process and key factors of market intelligence institutionalization based on action research work undertaken jointly by MFC and its Armenian partner MDF-Kamurj during 2002-2004 within the SEEP Network Practitioner Learning Program funded by USAID. Armenia Eastern Europe, Central Asia Outcomes of developing scorecard as Prizma‟s tool to identify clients Bosniawho are likely to be poor, done by Prizma with cooperation with MFC, Herzegovina supported by CGAP. findings of a household survey of a sample of one thousand households representative of eight regions in Georgia presenting a better understanding of the importance of insurable risks, low income household risk-management strategies, and general attitude towards insurance. Imp-Act Programme in collaboration with MFC on developing guidelines on Social Performance Management. First Published by the Institute of Development Studies Financial results of Georgian‟s MFIs Georgia Eastern Europe, Balkans Georgia Combining the various experiences from the partners in fighting social and financial exclusion in the East and West of the Europe. The identification of key constraints and opportunities will serve as the basis for policy formulation and recommendation that would enable building more inclusive welfare and financial systems. Collaboration with Community Development Finance Association (cdfa), UK and European Microfinance Network (EMN), Paris A pioneering initiative that aims at enabling MFIs to take advantage of Social Performance Management to more effectively fulfil their social goals while also improving financial bottom line. Western Europe Eastern Europe Eastern Europe, NIS A programme aiming at developing tools and delivery models as well Eastern Europe, as implementing financial education to improve low-income NIS households financial planning and money management practices. The initial project has been conducted in cooperation with Microfinance Opportunities and supported by Citigroup Foundation. Developing and certifying tools that will assess the poverty of MFI‟s clients. Program conducted by USAID. Eastern Europe, NIS Series of case studies on cost-benefits of using market-led solutions Eastern Europe in regional MFIs Project supported by Microinsurance Centre and KfW in order to learn more on needs of low-income households for new riskmanagement tools as well as to project development of markets for microinsurance in Eastern Europe and Central Asia. Eastern Europe Central Asia Project realized due to an award from CGAP-IFAD (Pro-Poor Uzbekistan Innovation Challenge) aiming at developing a market research protocol to develop client responsive and profitable financial services to reduce vulnerability of the rural poor in Uzbekistan. Vulnerability Framework and Household Development Needs driven Eastern Europe, Market Research for Pro-poor Product Development. NIS Understanding Demand for Microinsurance in Albania. Results of Exploratory Qualitative Study. 1st component: Developing Cost-effective Client Monitoring Systems; 2nd component: The Role of Microfinance in Social Capital Building in the CEE and the NIS; 3rd component: The Role of Microfinance in the Houshold Reconstruction Process in Bosnia and Herzegovina Albania Central and Eastern Europe Newly Independent States BosniaHerzegovina 1st component: developing and institutionalisation cost effective Armenia client monitoring system; 2nd component: developing new credit product directed to poor rural areas of Armenia. The project's goal is to highlight regional examples of innovations in Eastern Europe sustainable, high-growth strategies among leading MFIs. The objective of the research was to study the state of the microfinance sector at the end of 2002,2003,2004 among different institutional models – credit unions, NGO MFIs, downscaling commercial banks and microfinance banks – that operate in the following five sub-regions: the Balkans, Central and Eastern Europe (CEE), the Caucasus, Central Asia and Russia/Ukraine/Belarus. Balkans, Central and Eastern Europe, Caucasus Central Asia Russia Ukraine Belarus Eastern Europe, NIS Advantages and disadvantages of various board structures, the environment in which they operate, and the adequacy of managers' compensation. Overview of the Microcredit sector - This monographic booklet offers Spain an overview of the main microcredit initiatives launched in Spain since the beginning of the present decade. First, it analyses the main population groups affected by social exclusion. Second, it offers an in-depth analysis of the main features of the microcredit programmes launched by the savings and commercial banks and the public administration. Banks and government Support of Microcredit - This monographic Spain booklet describes the functioning of the microcredit model in Spain. It analyses the role of social microcredit support organisations within their unique partnership with financial insitutions: their features and activities as a link between the financial institution and the client. Microcredit Sector Statistics - This study offers statistics of Spain microcredit provided by the main programmes in Spain as of December, 2004: amounts, distribution by target groups, geographic distribution, type of businesses financed etc. To evaluate the activities and to give action recommendations of the Finland leading Finnish micro-finance organization. Financial and non-financial affects for the target company. Finland Small business development in this region of Russia is found to be a Russia crucial element for prosperous business co-operation in the Northern Region. An evaluation of the business advisory services targeted to new and Finland recently established micro firms The research project views entrepreneurship in the context of shifting Finland career roles and professional identities, gendered organizational life and in the current societal context regarding working life (ageing, gender discrimination) provides us with new lenses and enables us to perceive entrepreneurial identity as fluid and emergent. The research aims at increasing our understanding of the transition from the „experience of unemployment‟ to entrepreneurship and the decision to become an entreperneur. Finland Finland FACET, EVERS & JUNG and nef did this study on policy measures Western Europe to promote the use of microcredit as part of the Commission‟s Eastern Europe Community Action Programme on social exclusion. This thematic study has used transnational comparisons to identify and analyse the most effective policy measures in the area of access to microcredit and related combinations of servicesfor self-employment or micro enterprise projects of people facing poverty or social exclusion. Survey of Microfinance Operators in Western Europe - years of operation, objectives, loan numbers and portfolio Western Europe A survey of 27 European Microlenders that looks at lending rates to Western Europe immigrants from 2002-2004, and discussed practitioner opinions on barriers to immigrants accessing microloans, microlender policy and practice toward immigrants. A survey of 30 European Microlenders that looks at lending rates Western Europe from 2002-2004 and discussed practitioner opinions on barriers to women accessing microloans, microlender policy and practice toward women and microlender staffing profiles. Western Europe EU 25 Glossary of Microcredit Terms - This monographic booklet defines the main concepts and debates within the microcredit sector worldwide and in Spain. Spain Highlights why microfinance is relevant in W. Europe and provides summary information of microfinance institutions. Immigrants and Microfinance, Spain Western Europe Spain Study on the legal and regulatory framework for the integration of the socially excluded through self employment and microcredit in Europe. Comparison of regulatory frameworks in 4 countries (France, United Kingdom, Germany, Italy) and propositions to the Commission and Membre States. For ILO. France UK Germany Italy A study of economic and empowerment impact of microfinance. Albania, Bosnia, Interviews with over 4,000 women clients of MFIs in the medit region. Croatia, Egypt, France, Kosovo, Jordan, Italy, Lebanon, Morocco, Spain, Tunisia How informal sector activities can be brought into the formal sector if France certain barriers are lifted Europe The handbook explores different ways of micro-lenders and banks to Europe work together for mutual benefit. A result of the research project "benchmarking in microlending, working towards best practices" - handbook contributes to a better understanding of different aspects of financing microenterprises. This study, implemented by FACET at the request of the Ministry for Foreign affairs, intends to provide a comprehensive overview the access to finance for young and/or small entrepreneurs in general as well as entrepreneurs from ethnic minorities. There is special focus on constraints and tools which could help remove these obstacles. The role of banks and governmental policy in this process is discussed. Several European experiences are compared with that of the Netherlands, outlining the main difficulties for entrepreneurs and solutions to improve financial access Europe Netherlands What could banks learn from micro-lending ? Which cooperation techniques are seen as fruitfull ? The articles discusses chances to improve local economic development for a local bank through new products, social investment, housing finance, bank accounts, micro-lending etc. It suggests to look internationally for ideas and compare efficiency. Looks at the present situation of microlending in Germany and analyses the recently founded German Microfinance Institute (DMI) as a case study. The study purpose is to evaluate whether microlending in Germany can be sustainable and have a substantial outreach at the same time. Europe Europe Germany The US American CRA supports micro-lenders in the US a lot. It Europe pressures bank to demonstrate local impact - many decide to work in strong collaboration with micro-lenders. The article discusses strength and weaknesses of such an approach and tries to learn the lessons for Europe. in: Banking and Social Cohesion, ed. by C. Guene and E. Mayo, 2001 Special Alter Echo journal issue on self-employment and inclusion Belgium The main paper reviews marketing approaches used dy community UK development finance institutions (CDFI) in the UK and US, in order to USA review the state of practice and extract lessons learned. Mentoring carries extensive hard and soft benefits for small business UK in Britain and more should be done to encourage entrepreneurs both to take up mentoring services and become mentors themselves, says this new report from nef's Inner City 100, the definitive Index of Britain's fast growth inner city businesses. This report shows how a tool piloted in the UK by nef can be used to UK measure the financial value of social and environmental as well as economic returns. Challenges faced by women who choose to come off of welfare UK benefits and start their own busineses. This report calls on government to develop a new “banking lifeline” to UK keep Britain‟s lower income workers from falling prey to predatory lenders. Indian micro-finance practice is more relevant to Britain and the rest of Europe than almost any other developing country, and should provide inspiration and insight to practitioners in the UK, as well as internationally in both the South and the North. New Economics Foundation calls for an ethical investment standard UK India UK A Guide published by nef Western Europe Regulation of microfinance in different parts of the world: USA, Europe, developing countries USA, Europe, Developing Countries The report and briefing share the achievements, challenges and lessons learned by Aspire Microloans for Business, a pioneer of community development finance in the UK UK The guide helps CDFIs understand and use the Community UK investment tax relief. The tax relief aims to encourage individuals and corporates to invest in CDFIs, which in turn provide finance to enterprises operating in disadvantaged communities. This guide gives details of an innovative new tax relief scheme UK introduced by the Governement to boost levels of private investment in CDFIs. This directory provides information on the UK's CDFIs, what they do and where they operate, including full contact details The Guide is aimed at new and developing CDFIs. It comprises of eight sections covering key CDFI start up topics. UK UK This is the only publication to provide data and commentary on what UK is happening in the community development finance in the UK. This book provides human stories of the people that CDFIs work with UK and support. The report outlines the considerable success the task force has UK enjoyed in seeing its recommendations to Government implemented. It tracks the progress against recommendations till 2003. The report charts the progress against the Social Investment Task UK Force's 2000 recommendations for increasing the amount of investment available to and flowing into under invested communities This is a set of standard lending documents, called "precedents", and UK guidelines for their use.These are for fixed term unsecured lending Report to the Ministry of Social Affaires in Francophone Belgium UK Europe, Latin America , USA French language version of "Banking and Social Cohesion: Alternative Responses to a Globalised Market" Europe, Latin America , USA UK This study quantifies the wider economic impact WEETU has on the UK community. Clients who come to WEETU make little or no money and are helped to find jobs or set up their own businesses. They and their families benefit but so does society at large. This study estimates that WEETU generates a social value of 5.6 million euros above its grant and government funding. A five-year longitudinal study that quanitifies the changes in the lives UK of clients from the time they join the WEETU Full Circle programmes throught the six months that follow their training. "From micro-mice to micro-elephants" This publication presents the Germany diverging views behind the definition of microlending. A summary of EU support for microlending. Germany Argues that microfinance creates jobs more sustainably and creates Europe jobs that would not have existed otherwise. However, the need for microcredit to address market failure nor microentrepreneurs as job creators are not very well understood and little detailed research or data exists to look at these two facets of the microfinance field in the EU. This article discusses how the EU apprehends micro-finance and how far it institutionally understands the underlying causes of the phenomenon. This article addresses who needs microcredit in the UK, what is the UK extent of the unmet demand across the country, what are the precise terms and conditions required by microentrepreneurs, how repayment rates of at least 95% can be expected, and how an institution making microcredits can become self-financing within six years. The article describes barriers to obtaining funds from the private, public, and voluntary sectors and to operating within a legal and regulatory framework that permits microcredit institutions to serve their clients with the products that they need. A study of the first three years of Street-UK operations: 2000-2004. UK Found that microentrepreneurs in the UK need support beyond the level at which most consider they have needs. Microenterpreneurs need a range of services, not just loans, to achieve a number of objectives including insurance to reduce risk, savings to increase assets. Raises awareness of the informal economy and aims to shift UK perception of those who deal mainly in cash from those who cheat to those who use cash transactions to make ends meet. Makes policy recommendations: Europe The findings from Hordaland provide many examples that show the value added by Network Credit as a strategy that can contribute to making people‟s quality of life better. The survey results and focus group discussions show that participating in a loan group not only increases mutual assistance among business owners and helps businesses grow; it also has important psychological and social consequences. Norway Role of savings banks in several EU and candidate countries in Europe provision of microcredit. Also assesses EU microfinance definitions; Development of microfinance providers in the UK from 1997 to 1999. UK Barriers faced by women in starting their businesses, in particular access to finance Diane - A transnational research project that aims to encourge women's entrepreneurship. Coooperating countries are: Belgium, Germany, Greece, Italy, Sapin, Sweden, Netherlands, United Kingdom. Demographic profiles women and men self-employed in Belgiu,. Provides information on sector concentrations, workplace arrangements and working hours. Women's Entrepreneurship in Belgium, training needs, financing needs UK Belgium Belgium Demographic profiles women and men self-employed in Germany. Provides information on sector concentrations, workplace arrangements and working hours. Demographic profiles women and men self-employed in Greece Provides information on sector concentrations, workplace arrangements and working hours. Demographic profiles women and men self-employed in Italy. Provides information on sector concentrations, workplace arrangements and working hours. Demographic profiles women and men self-employed in Spain. Provides information on sector concentrations, workplace arrangements and working hours. Demographic profiles women and men self-employed in Sweden. Provides information on sector concentrations, workplace arrangements and working hours. Demographic profiles women and men self-employed in The Netherlands. Provides information on sector concentrations, workplace arrangements and working hours. Demographic profiles women and men self-employed in The United Kingdom. Provides information on sector concentrations, workplace arrangements and working hours. Germany Greece Italy Spain Sweden Netherlands UK Study reveals gender bias implicit in bank lending decisions The UK Economic and Social Research Council (ESRC) is calling for all loan officers to use the same processes when negotiating credit approval within banks. Findings show female loan officers have less strong internal communications with credit controllers than their male counterparts. Whilst no evidence of deliberate gender discrimination was found, the results show that a gender bias is implicit in the criteria on which men and women's businesses are judged because women tend to have less business experience, fewer network contacts and smaller businesses. The study says that there is no systematic way in which bank officers scrutinise business proposals and that decisions are often based on 'gut feeling'. This subjectivity allows for the possibility of gender biased decision making says the ESRC. Survey of women business owners. Reasons for business creation, Western Europe age at creation, financing, challenges Summary of results of a wide ranging survey about stereotypes in employment and self-employment. Western Europe Describes initiatives under taken by different Chamber organisations Western Europe to promote and support women's entrepreneurship. Outlines best practice cases. Comparision of microfinance and business creation by the Europe, North unemployed, information on business creation rates and access to America finance for women. Young people find their entry into the labour market difficult. There are high levels of latent entrepreneurship amongst 18-24 year olds but this is not translated into concomitant levels of young people setting up and running their own business. Market failure prevents awareness and take-up of entrepreneurship by young people. Maps financial exclusion and demand in the Southeast of England. Develops and applies a financial exclusion index. Review of the supply of financial inclusion services in the Southeast region of England Conclusions and Recommendations of research into financial exclusion and the supply of financial inclusion services in the Southeast of England. UK UK UK UK The study demonstrates the importance of microfinance in Belgium, its positive impact on groups traditionally excluded from traditional bank finance. 67% of those able to start a businesses using a microloan were previously living on welfare benefits and/ income support hence l close to the poverty line. Belgium Study of 17 experiences from 11 countries in the EU to develop a EU guide for public/private financial institution partnerships in the social economy. Recommends that a single approach for all is not possible. Need flexible approach with all partners seeking win-win agreements. Paper presented at 6th International Meeting of: Réseau EU Interuniversitaire de l'Economie Sociale et Solidaire, Grenoble 2006: Will the banking sector of the future in Europe be a solidarity banking sector, meeting the needs of and including the poor? What does history tell us and how has the market changed since the 1980's? Research conducted as part of the EMN coordinated EU Inti project on Immigrant Entrepreneurship and Microfinance: Germany Case Study Research conducted as part of the EMN coordinated EU Inti project on Immigrant Entrepreneurship and Microfinance: Belgium; Study looks at the situation of immigrant entrepreneurs, their access to micro-credit and current practice with respect to training and technical assistance available to this group. Germany Belgium Research conducted as part of the EMN coordinated EU Inti project Spain on Immigrant Entrepreneurship and Microfinance: Spain Case Study Réseau Financement Alternatif was asked by the Belgian Consumer Belgium Protection Ministry to evaluation of the March 2003 law guaranteeing all persons with residency in Belgium for most of the year, the right to a basic bank account. This report contains the evaluation of the laws implementation and whether its objectives were achieved and makes recommendations. The first study combing Western European and new member state EU 25 and EEA microlending data. Covers Sector Characteristics, Scale, Clients, Products and Services, Operational Performance, Funding and the Future of the Sector. The biggest challenges are related to deal flow, efficiency, funding , operational sustainability and the regulatory environment for microlenders. Bank disclosure is seen to be an important tool in combatting UK financial exclusion. The study evaluates information on small business lending, bank branch availability and basic bank account holding in deprived communities in the UK and US. The study found that some strides had been made in the UK. However, big gaps in the data remain. The UK data is inconsisten and difficult to obtain. The report concludes that without a legal requirement to disclose as is the case with the Community Reinvestment Act in the US, This study is based upon interviews with 213 entrepreneurs regarding their funding needs. Study found that 65% funded their first 3 years in operation without external funds. Amongst the reaminder, 15% expressed an interest in microcredit, even if interest rates were 20%. Two groups were identified with differing funding needs. Most current microcredit products on the market, do not meet these particular need patterns. Germany Results of research project on women's business owners management approaches, reasons for business creation, business goals and performance Management France, Canada Name and Contact Details of Authors/ Researchers Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Practitioner, University, Research Centre, Network, Consultants Network Year Publication Language 2003 English; Russian Sean Kline Network 2003 English, Russian Katarzyna Pawlak (Kasia@mfc.org.pl; phone: +48 22 622 34 65 Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Sean Kline Network 2003 English, Russian Network 2003 English, Russian Katarzyna Pawlak (Kasia@mfc.org.pl; phone: +48 22 622 34 65 Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Network 2003 English, Russian Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Caroline Tsilikounas Caroline Tsilikounas Biserka Kljaic Network 2004 English, Russian Network 2004 English, Russian Katarzyna Pawlak (Kasia@mfc.org.pl; Network phone: +48 22 622 34 65 Dorota Szubert (Dorota@mfc.org.pl; phone: +48 22 322 34 65) Katarzyna Pawlak (Kasia@mfc.org.pl; phone: +48 22 622 34 65 Selma Jahic Network 2004 English, Russian 2004 English, Russian Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Sefika Vejzovic Network 2004 English, Russian Katarzyna Pawlak (Kasia@mfc.org.pl; phone: +48 22 622 34 65 Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Justyna Pytkowska (Justyna@mfc.org.pl; +48 22 622 34 65) Network 2004 English, Russian Network 2004 English, Russian Michal Matul (Michal@mfc.org.pl; phone: Network +48 22 622 34) Dorota Szubert (Dorota@mfc.org.pl; phone: +48 22 322 34 65) Gagik Vardanyan, Margarita Lalayan Olga Tomilova (Olga@mfc.org.pl; +73272980-580 ext. 264) Michal Matul (Michal@mfc.org.pl; phone: Network +48 22 622 34) Dorota Szubert (Dorota@mfc.org.pl; phone: +48 22 322 34 65) Gagik Vardanyan, Margarita Lalayan Justyna Pytkowska Network (Justyna@mfc.org.pl; +48 22 622 34 65) Mark Schreiner Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Ewa Pawlak Sean Kline Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Network 2005 English, Russian 2005 English, Russian 2005 English 2005 English Network 2005 English Katarzyna Pawlak (Kasia@mfc.org.pl; phone: +48 22 622 34 65) Justyna Pytkowska (Justyna@mfc.org.pl; +48 22 622 34 65) Zizi Gelenidze, GMSE Network 2005 English, Russian English N etwork 2005 Coordinator: Agnieszka Talma (Agnieszka@mfc.org.pl; +48 22 322 3465) Practitioners Since 2006 Katarzyna Pawlak (Kasia@mfc.org.pl; Network phone: +48 22 622 34 65) Dorota Szubert (Dorota@mfc.org.pl; phone: +48 22 322 34 65) Katarzyna Pawlak (Kasia@mfc.org.pl; Network phone: +48 22 622 34 65 Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Since 2005 Since 2004 Dorota Szubert (Dorota@mfc.org.pl; phone: Network +48 22 322 34 65) dorota@mfc.org.pl Network 2006 2005 Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Network Since 2005 Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) Network 20032005 Michal Matul (Michal@mfc.org.pl; phone: Network +48 22 622 34) Dorota Szubert (Dorota@mfc.org.pl; phone: +48 22 322 34 65) Dorota Szubert (Dorota@mfc.org.pl; phone: Network +48 22 322 34 65) Katarzyna Pawlak (Kasia@mfc.org.pl; Network phone: +48 22 622 34 65) Michal Matul (Michal@mfc.org.pl; phone: +48 22 622 34) 2004 2004 2001 2004 Michal Matul (Michal@mfc.org.pl; phone: Network +48 22 622 34) Dorota Szubert (Dorota@mfc.org.pl; phone: +48 22 322 34 65) Leesa Wilson Shreder Network 20022004 20012003 Justyna Pytkowska justyna@mfc.org.pl Network Since 2002 Valentina Hartarska University 2004 Silvia Rico Garrido, Maricruz Lacalle Calderón, Jaime Durán Navarro, Carlos Ballesteros García. Silvia Rico (silviarico@nantiklum.org) Maricruz Lacalle (maicu.lacalle@uam.es) Research Centre 2004 Spanish Silvia Rico Garrido, Maricruz Lacalle Research Calderón, Carlos Ballesteros García, Jaime Centre Duran Navarro. Silvia Rico (silviarico@nantiklum.org), Maricruz Lacalle, (maicu.lacalle@uam.es) 2005 Spanish Silvia Rico Garrido, Maricruz Lacalle Calderón Silvia Rico (silviarico@nantiklum.org) Research Centre 2005 Spanish Maricruz Lacalle (maicu.lacalle@uam.es) Heinonen, Jarna, Turku School of University Economics and Business Administration, Business Research and Development Centre, Jarna.heinonen@tukkk.fi; tel. +358 2 4814 577 Sinervo, Petteri Turku School of Economics University and Business Administration, Business Research and Development Centre, petteri.sinervo@tukkk.fi; tel. +358 2 4814 578; Antti Paasio 2004 Fiinnish, English 2005 English Kirsi Lipponen University Decem English ber 04 Harju, Johanna ; johanna.harju@tukkk.fi University Pukkinen, Tommi tommi.pukkinen@tukkk.fi; tel. +358 2 481 481 ulla.hytti@tukkk.fi; ; Ulla Hytti; Turku School of Economics and Business Administration, Business Research and Development Centre, ; tel. +358 2 481 481 University 2004 English 2005 English Ulla Hytti; ulla.hytti@tukkk.fi Turku School of Economics and Business Administration, Business Research and Development Centre, tel. +358 2 481 481 Hytti, Ulla ; Mäki, Katja ; Akola, Elisa Turku School of Economics and Business Administration, Business Research and Development Centre, tel. +358 2 481 481 Facet, Evers & Jung, nef, with support from EMN and MFC University 2003 English University 20042007 Research Centre, Network 2005 English new economics foundation (nef), commisioned and European Microfinance Network (EMN) EMN - Miriam Guzy and Tamara Underwood: contact M. Guzy: m.guzy@european-microfinance.org EMN - Tamara Underwood: t.underwood@european-microfinance.org Network 2004 English Network 2006 English Network 2006 English Miriam Guzy EMN, Tamara Underwood Network Network 2007 English 2007 English Maricruz Lacalle Calderón, Silvia Rico Research Garrido, Javier Márquez Vigil, Jaime Durán Centre Navarro. Silvia Rico (silviarico@nantiklum.org) Maricruz Lacalle (maicu.lacalle@uam.es) 2005 Spanish Laura Vigano, Luciano Bonomo, Paolo Vitali Research microfinance@fdga.org Centre Elizabeth Aro, Maria Bornatti microfinance@fdga.org Research Centre 2004 Italian, English 2004 English Maria Nowak, Eric Mezieres Research Centre 2002 English French Marcella Corsi, University of Rome, Research Coordinator; Marcella Corsi Andrea Nardone, Director Fondazione Risorsa Donna;Andrea Nardone Practitioner/Uni verstiy 2005 English Italian Arnaud BERGER et Sonia SEHIL a.berger@adie.org Practitioner 2006 French Research Centre Claire Whyley; Elaine Kempson, Jan Evers Research Centre Jan Evers, Stefanie Jack, Adriaan Loeff, Hedwig Siewersten Research Centre 2001 English 2000 English 2000 English Facet research centre 2006 Dutch Jan Evers Research Centre Research Centre English Jan Evers German Stefanie Lahn Research Centre 2005 English Christophe Guene, E. Mayo; eds Research Centre 2001 Fréderic Bernard and Ira Lardinois; eds. Research Centre Research Centre, Practitioner Research Centre French Whitni Thomas and Niamh Goggin English Anne-Marie Davies and John Taylor English David Aeron-Thomas, Jeremy Nicholls, Sarah Forster, Andrea Westall Research Centre English Dr Susan Marlow, Andrea Westall and Erica Research Watson Centre, Practitioner Mick Brown, Pat Conaty, Ed Mayo Research Centre 2003 English 2003 English Thomas Fisher and M.S. Sriram; Vistaar Publications New Delhi, Oxfam Oxford in association with New Economics Foundation Deborah Doane, Ed Mayo Research Centre 2002 English Research Centre 2002 English Jan Evers, Thomas Fisher, L. Foschi, Christophe Guene, Martin Jung, M; Rodriguez, V. Vandemeulebroucke Research Centre 2001 Englilsh Thomas Fisher, Malcom Bush, Christopher Research Guene Centre 2000 English Sarah Forster, Ellen Lederman, John Mayshak, Tanya Mercer Network 2006 English Sarah McGeehan Network 2003 English Sarah McGeehan Network 2003 English CDFA Network 2005 English CDFA Network 2005 English Sarah McGeehan Network CDFA CDFA Network Network 2004, English 2005, 2006 2005 English 2003 English CDFA Network 2005 English CDFA Network 2005 English Christophe Guene Research Centre 2001 French Christophe Guene, Edward Mayo Network 2001 English Christophe Guene, Edward Mayo Network 2000 French Karl Dayson University 2005 WEETU, nef Practitioner/Re search Centre 2006 WEETU, nef Christophe Guene Practitioner, Research Centre Network 2006 2003 German Christopohe Guene Network 2003 German Christophe Guene Network 2004 English Rosalind Copisarow Practitioner 2000 English Rosalind Copisarow Practitioner 2004 English Rosalind Copisarow, Aaron Barbour Practitioner 2004 English Udo Reifner, ed University 2002 English Unni Beate Sekkesaeter Practitioner/Uni versity 2002 English Network 2004 English Dayson, K., Paterson, R. & Powell, J. (1999) University 1999 English Dr.Sara Carter; Dr. Stephen Tagg and Jackie Brierton Joke Manshoven, Ilse Goffin, Tom Kuppens, Mieke VanHaegendoren. University University 2002 English 2004 English Cornet Annie, Christina Constantinidies, Simona Asendel, University 2004 French Joke Manshoven, Ilse Goffin, Tom Kuppens, Mieke VanHaegendoren. Joke Manshoven, Ilse Goffin, Tom Kuppens, Mieke VanHaegendoren. Joke Manshoven, Ilse Goffin, Tom Kuppens, Mieke VanHaegendoren. Joke Manshoven, Ilse Goffin, Tom Kuppens, Mieke VanHaegendoren. Joke Manshoven, Ilse Goffin, Tom Kuppens, Mieke VanHaegendoren. Joke Manshoven, Ilse Goffin, Tom Kuppens, Mieke VanHaegendoren. Joke Manshoven, Ilse Goffin, Tom Kuppens, Mieke VanHaegendoren. University 2004 English University 2004 English University 2004 English University 2004 English University 2004 English University 2004 English University 2004 English Dr. Wilson, Dr. Carter, Dr. Shaw University 2006 English Eurochambres Women Network Network 2004 English Eurochambres Women Network Network 2006 English Eurochambres Women Network Network 2004 English Isabelle Guérin University 2002 French F. Greene Research Centre 2002 English Niamh Goggin, Paul Thain, Clare Caffrey, Charles Dodwell, Peter Ramsden Niamh Goggin, Paul Thain, Clare Caffrey, Charles Dodwell, Peter Ramsden Niamh Goggin, Paul Thain, Clare Caffrey, Charles Dodwell, Peter Ramsden Research Partnership Research Partnership Research Partnership 2006 English 2006 English 2006 English Research Partnership 2007 French Eufin Network 2006 English and French Pascal Glémain University 2006 French Dagmar Hayen, Michael Unterberg, Brit Tiedemann Research Centre 2006 English Bureau d'Etudes, Fonds de Participation Practitioner 2006 French Fundacio Un Sol Mon Practitioner 2006 English Lise Disneur,Françoise Redermarcher, Bernard Bayot Research Centre 2006 French Tamara Underwood Network 2006 English nef, Woodstock Institute Research Centre 2006 English Alexander Kritikos, Christoph Kneiding, Claas Christian Germelmann Research Centre 2006 English Anne T. Mione, Maitre de Conférences, Université de Montpelier I, Equipe de Recherche sur la Firme et l'Industrie University 2002 French Web link to the document/ Available on PDF? http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= R&page=Impact http://www.mfc.org.pl/index.php?section= NET&page=Other http://www.mfc.org.pl/index.php?section= NET&page=Other http://www.mfc.org.pl/index.php?section= NET&page=Other http://www.mfc.org.pl/index.php?section= NET&page=Other http://www.mfc.org.pl/index.php?section= NET&page=Other 11 Spotlight Notes summarizing the research findings: #11, #10, #9, #8, #7, #6, #5, #4, #3, #2 #1 (see above). Spotlight Notes summarizing the research findings: #14 and #13. Paper: Sustainable Expansion Strategies: case Studies of 18 Regional Leaders in Microfinance. MFC Spotlight Note #12: Overview of the Microfinance Industry in the ECA Region in 2003 contact MFC or EMN - www.mfc.org; www.european-microfinance.org http://www.nantiklum.org/foropublicaciones.htm http://www.nantiklum.org/foropublicaciones.htm http://www.nantiklum.org/foro-publicaciones.htm http://www.tukkk.fi/info/publication_searc h_form_eng.asp; (abstract) http://www.tukkk.fi/info/publication_searc h_form_eng.asp; (abstract) Proceedings of the WORKSHOP ON VISUALISING, MEASURING, AND MANAGING INTANGIBLES AND INTELLECTUAL CAPITAL. FERRARA, ITALY, OCTOBER 18-20, 2005 Electronical Publications of PanEuropean Institute; www.norterndimension.net; www.tukkk.fi/pei/e Journal of Organizational Change Management, Special Issue: Change in the Feminine: Women in Change, Vol 18, No 6, p. 594-611 http://www.tukkk.fi/info/publication_searc h_form_eng.asp (abstract) Presented in the RENT Xvii Workshop, Lodz, Poland, November 20-21, 2003 http://www.tukkk.fi/info/publication_searc h_form_eng.asp (abstract) www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org http://www.nantiklum.org/foropublicaciones.htm www.fdga.org www.fdga.org www.european-microfinance.org www.fondazionerisorsadonna.it; http://www.fondazionerisorsadonna.it/new site/convegno210905/rapporto_finale.pdf www.adie.org Available from Nomos Publishers, BadenBaden, Germany www.european-microfinance.org Can be downloade for free at Netherlands Ministry of Foreign Affaires: ezinfo@postbus51.nl www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.neweconomics.org www.neweconomics.org www.neweconomics.org www.neweconomics.org www.neweconomics.org Accessible from nef: www.neweconomics.org www.cdfa.org.uk/publications www.cdfa.org.uk/publications www.cdfa.org.uk/publications www.cdfa.org.uk/publications www.cdfa.org.uk/publications www.cdfa.org.uk/publications www.cdfa.org.uk/publications www.cdfa.org.uk/publications www.cdfa.org.uk/publications www.cdfa.org.uk/publications available from l‟Observatoire du Crédit et de l‟Endettement, a not for profit research institute in Belgium. http://www.observatoire-credit.be Available from Jon Carpenter Publishing. Available from Charles Leopold Meyer publishing www.weetu.org www.weetu.org In Microlending News: http://www.microlendingnews.de/artikel/index.html In Microlending News: http://www.microlendingnews.de/artikel/index.html Finance for the Common Good, Observatoire de la Finance, www.obsfin.ch Journal of Microfinance, Vol. 2, No 1, Spring 2000. Street UK - http://www.street-uk.com/ www.street-uk.com or www.communitylinks.org Baden-Baden, Germany www.european-microfinance.org go to Norway www.european-microfinance.org www.european-microfinance.org go to organisation: Diane or country: Belgium www.european-microfinance.org go to organisation: Diane or country: Belgium go to organisation: Diane or country: Belgium www.european-microfinance.org go to organisation: Diane or country: Greece www.european-microfinance.org go to organisation: Diane or country: Italy www.european-microfinance.org go to organisation: Diane or country: Spain www.european-microfinance.org go to organisation: Diane or country: Sweden www.european-microfinance.org go to organisation: Diane or country: The Netherlands www.european-microfinance.org go to organisation: Diane or country: The United Kingdom http://www.esrcsocietytoday.ac.uk/ESRCI nfoCentre/ViewAwardPage.aspx?AwardI d=2765 http://www.eurochambres.eu/publications/ index.shtml#ewn http://www.eurochambres.eu/publications/ index.shtml#ewn http://www.eurochambres.eu/publications/ index.shtml#ewn ncge.org.uk/downloads/policy/Youth_Entr epreneurship.pdf www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org http://www.europeanmicrofinance.org/documents.php?piId=37 51 www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org www.european-microfinance.org