Back to Home Page of CD3WD Project or Back to list of CD3WD Publications

		Micro Credit Systems for Small Enterprises in Developing Countries - Practical guide (GTZ, 66 p.)
			(introduction...)
			1. Introduction
			2. Micro credit system
				(introduction...)
				2.0.1 Small loan amounts
				2.0.2 Two loans per entrepreneur
				2.0.3 Appropriate interest rates
				2.0.4 Administration fee
				2.0.5 Revolving fund
				2.1. Determination of the project area and selection procedure of participants
					(introduction...)
					2.1.1 Checking, consulting and monitoring of the businesses
				2.2 Group formation and tasks - Cooperative concept
					(introduction...)
					2.2.1 Group responsibilities
					2.2.2 Sub-group formation and responsibilities
					2.2.3 Constitutional aspects
				2.3 Loan Insurance Fund
					2.3.1 Sub-group saving
					2.3.2 Sub-group co-guarantee
				2.4 Loan range and disbursement system
					2.4.1 Loan range
					2.4.2 First loan disbursement system - step by step
					2.4.3 Special requisites for gardener and farmers
					2.4.4 Loan disbursement by cheque
					2.4.5 Control of the loan investment
					2.4.6 Second loan disbursement system - step by step
				2.5 Loan repayment
					2.5.1 Short repayment periods - short tenors
					2.5.2 Calculation steps
				2.6 Micro credit system schedules
					(introduction...)
					2.7 Loan Insurance Fund and loan collections
					2.7.1 Importance of signatures
					2.7.2 Importance of books
					2.7.3 Importance of control
			3. Business management training
				(introduction...)
				3.1 Promotion and orientation meeting
					(introduction...)
					3.1.1 Advisory Committee
					3.1.2 General business aspects
				3.2 Topics of the business management training
					(introduction...)
					3.2.1 Connection to the practical work
					3.2.2 Business management training as an ongoing course
					3.2.3 Business checking, consultancy and monitoring
				3.3 Additional skill training
					(introduction...)
					3.3.1 Involvement of youth
			4. Advice for organising a micro enterprise support projects
				(introduction...)
				4.1 Staff
				4.2 General administration work
				4.3 Loan Insurance Fund administration
				4.4 Loan administration
				4.3 Financial controls
				4.4 Project financing
				4.5 Project evaluation
			5. Conclusion
			List of Abbreviations
			List of Appendixes
				Appendix I: Business Check Form
				Appendix II: Individual Loan Application and Approval Form
				Appendix III: LIF Savings Account Register
				Appendix IV: Individual LIF Savings Receipt Card
				Appendix V: LIF Savings Receipt
				Appendix VI: Register of Loan Disbursement Accounts
				Appendix VII: Individual Loan Repayment Receipt Card
				Appendix VIII: Loan Repayment Receipt
				Appendix IX: Loan Repayment Account Book
				Appendix X: Final Interview