Microfinance: A Way to Help the Poor Build Assets
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Papers by Mark Schreiner (C.V.) and others. Request notification of updates.
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Topic Country  
Credit Scoring for Microfinance Argentina Kenya
Poverty scoring Bangladesh Mali
Credit Scoring for SMEs Bolivia Mexico
Outreach and Sustainability Bosnia and Herzegovina Morocco
Individual Development Accounts Brazil Pakistan
Microenterprise in the U.S. Colombia Peru
RoSCAs and informal finance Dominican Republic Philippines
Discrimination El Salvador South Africa
Rural microfinance The Gambia United States of America
General economics Haiti Vietnam
Links India  
Addresses Indonesia  


Credit Scoring for Microfinance (Top)

Scoring: The Next Breakthrough in Microcredit? (June 2002)
[English abstract] [English paper] [Русская версия] [Arabic paper] [Chinese paper part 1] [Chinese paper part 2]

Scoring for Microfinance (June 2003)
[English presentation] [Ponencia castellano] [Document français]

Benefits and Pitfalls of Statistical Credit Scoring for Microfinance (January 2004)
[English abstract] [English paper] [Resumen Castellano] [Documento Castellano] [Résumé français] [Document français]

Can Scoring Help Attract Profit-Minded Investors to Microcredit? (June 2004)

[English abstract] [English presentation] [English paper] [Documento castellano] [Résumé français] [Document français]

Credit Scoring for Microfinance: Can It Work? (November 2000)
[English abstract] [English paper] [Resumen castellano] [Documento castellano]

Do-It-Yourself Scoring Trees for Microfinance (January 2001)
[English presentation] [Ponencia castellano]

Credit Scoring, Banks, and Microfinance: Balancing High-Tech with High-Touch (December 2005)

[English abstract] [English paper] [Documento castellano]

Drop-Out from Individual Development Accounts: Prediction and Prevention (October 2004)
[Abstract] [Paper]

A Scoring Model of the Risk of Costly Arrears at a Microfinance Lender in Bolivia (April 2004)
[English Abstract] [English Paper] [Resumen Castellano] [Documento Castellano]

Scoring Drop-Out at a Microlender in Bolivia (March 2003)
[English Abstract] [English paper] [Resumen Castellano] [Documento Castellano] [Résumé Français]
 

Poverty Scoring (Top)

Simple Poverty Scorecards (June 2007)
[English presentation] [Ponencia castellano]

Poverty Scorecards for Bangladesh, Haiti, India, Mexico, Pakistan, and the Philippines (October 2006)
[English presentation]

A Simple Poverty Scorecard for India (July 2008)
[Abstract] [Paper] [Data-entry Spreadsheet] [2006 version]

A Simple Poverty Scorecard for Peru (April 2008)
[English paper] [English data-entry Spreadsheet] [Figuras Castellano] [Castellano hoja de calculo de entrada de datos]

A Simple Poverty Scorecard for Bangladesh (May 2006)
[English abstract] [English paper]

Is One Simple Poverty Scorecard Enough for India? (August 2006)
[English abstract] [English paper]

A Simple Poverty Scorecard for Pakistan (February 2006)
[English abstract] [English paper]

A Simple Poverty Scorecard for Morocco (March 2007)
[English abstract] [English paper]

A Simple Poverty Scorecard for Indonesia (August 2008)
[English abstract] [English paper] [English data-entry Spreadsheet]

A Simple Poverty Scorecard for Vietnam (August 2008)
[English abstract] [English paper] [English data-entry Spreadsheet]

A Simple Poverty Scorecard for Kenya (August 2008)
[English abstract] [English paper] [English data-entry Spreadsheet]

A Simple Poverty Scorecard for Bolivia (October 2006)
[English abstract] [English paper]

A Simple Poverty Scorecard for Haiti (June 2006)
[English abstract] [English paper]

Measuring poverty of microfinance clients in Haiti (Sept. 2006, by Rob Fuller)

[English abstract] [English paper]

 

A Simple Poverty Scorecard for México (October 2006)
[English abstract] [English paper] [Resumen castellano] [Documento castellano]

A Simple Poverty Scorecard for the Philippines (April 2008)
[English abstract] [English paper]

Poverty Scorecards: Lessons from a Microlender in Bosnia-Herzegovina (December 2004)
[English abstract] [English short paper] [English long paper]

Un índice de pobreza para México (February 2006)
[Resumen Castellano] [Documento Castellano]

A Simple Poverty Scorecard for Mali (July 2008)
[English paper] [Data-entry Spreadsheet English] [Data-entry Spreadsheet Francais]

Response to IRIS Questions on Poverty Scorecards (December 2005)
[English paper]

 

Credit Scoring for SMEs (Top)

Credit Scoring: Is It Right for Your Bank? (by Dean Caire, February 2003)
[Abstract] [Paper] [Back]

Building Credit Scorecards for Small Business Lending in Developing Markets (by Dean Caire, November 2004)
[Abstract] [Paper] [Back]

 

Credit Scoring for Leasing (by Dean Caire, August 2005)
[Abstract] [Paper] [Back]
 

Outreach and Sustainability (Top)

A Framework for the Analysis of the Performance and Sustainability of Subsidized Microfinance Organizations with Application to BancoSol of Bolivia and to Grameen Bank of Bangladesh (December 1997)
[Abstract] [Complete paper] [Condensed paper]

Development Finance Institutions: Measuring Their Subsidy (1999)
[Abstract] [Paper]

A Cost-Effectiveness Analysis of the Grameen Bank of Bangladesh (June 2001)
[Abstract] [Paper]

Aspects of Outreach: A Framework for the Discussion of the Social Benefits of Microfinance (June 1999)
[English abstract] [English paper] [Resumen castellano] [Documento castellano]

Microfinance and the Poorest of the Poor: Theory and Evidence From Bolivia (October 1999)
[English abstract] [English paper] [Resumen castellano] [Documento castellano]

BancoSol: The Challenge of Growth for Microfinance Organizations (August 1996)
[English abstract] [English Paper] [Resumen Castellano] [Documento Castellano] [Résumé français] [Document français]

Seven Aspects of Loan Size (October 2001)
[Abstract] [Paper]

Microfinance for Microenterprise: A Source Book for Donors (November 2001)
[English abstract] [English paper] [Resumen castellano] [Documento castellano]

Audit Sampling Microfinance Portfolio-at-Risk (April 2001)
[English Abstract] [English Paper] [Traditional sampling spreadsheet] [Needle-in-a-haystack sampling spreadsheet] [Résumé français] [Document français]

Microfinance Market Niches and Client Profiles in Bolivia (December 1996)
[Abstract] [Paper]

Apex Organizations and the Growth of Microfinance in Bolivia (September 1998)
[Abstract] [Paper] [Response paper by Hans Dellien for FundaPro]

Program Costs for Individual Development Accounts: Final Figures from CAPTC in Tulsa (March 2004)
[Abstract] [Paper]

Cost-Effectiveness in Individual Development Accounts (April 2005)

[Abstract] [Paper]

What Do Individual Development Accounts Cost? The First Three Years at CAPTC (January 2002)
[Abstract] [Paper]

Resources Used to Produce IDAs in the First Two Years of ADD at CAPTC (August 2000)
[Abstract] [Paper] [Comment by Michael Sherraden]

Ways Donors Can Help the Evolution of Sustainable Microfinance Organizations (August 2000)
[English abstract] [English paper] [Résumé français] [Response English Abstract] [Response English paper by Woller, Dunford, and Woodworth]

The Subsidy Dependence Index and Recent Attempts to Adjust It (February 1999)
[English abstract] [English paper] [Résumé français]

A Framework For Measuring the Performance and Sustainability of Subsidised Development Finance Institutions (January 1999)
[Abstract] [Paper] [Response Abstract] [Response paper by Woller, Dunford, and Woodworth]

Thinking about the Performance and Sustainability of Microfinance Organizations (August 1996)
[Abstract] [Paper] [Response Abstract] [Response paper by Woller, Dunford, and Woodworth]

Dominican Republic: Analysis of the Clients of FondoMicro (June 1995)
[Abstract] [Paper]
 

Individual Development Accounts (IDAs) (Top)

Women, Microfinance, and Savings: Lessons and Proposals (January 2002)
[English abstract] [English paper] [Resumen castellano] [Documento castellano] [Résumé français] [Résumé français Wampfler] [Document français] 

Asset Accumulation in Low-Resource Households: Evidence from IDAs (June 2003)
[English abstract] [English paper] [Résumé français] [Document français]

Match Rates, Individual Development Accounts, and Saving by the Poor (October 2004)
[Abstract] [Paper]

Asset-Building for Microenterprise through Matched Savings in Low-Income Countries (December 2004)
[Abstract] [Paper]

Savings and Asset Accumulation in IDAs (ADD Report 2001) (January 2001)
[Executive summary] [Chapters]

Saving Performance in the American Dream Demonstration: Final Report (October 2002)
[Executive summary] [Report]

A Framework of Asset-Accumulation Stages and Strategies (October 2001)
[Abstract] [Paper]

Drop-Out from Individual Development Accounts: Prediction and Prevention (October 2004)
[Abstract] [Paper]

Saving in ADD: Measures from MIS IDA (November 2005)
[Abstract] [Paper]

Measuring Saving (April 2004)
[Abstract] [Paper]

Income, Institutions, and Saving Performance in Individual Development Accounts (June 2003)
[Abstract] [Paper]

Saving and Asset-Accumulation Strategies Used by Low-Income Individuals (September 2000)
[Abstract] [Paper]

A Framework for Financial Benefit-Cost Analysis of IDAs (May 2000)
[Abstract] [Paper]

Program Costs for Individual Development Accounts: Final Figures from CAPTC in Tulsa (March 2004)
[Abstract] [Paper]

Cost-Effectiveness in Individual Development Accounts (April 2005)

[Abstract] [Paper]

What Do Individual Development Accounts Cost? The First Three Years at CAPTC (January 2002)
[Abstract] [Paper]

Resources Used to Produce IDAs in the First Two Years of the Experimental Program of ADD at CAPTC (August 2000)
[Abstract] [Paper] [Comment by Michael Sherraden]

Saving, IDA Programs, and Effects of IDAs: A Survey of Participants (January 2001)
[Abstract] [Paper]

Financial Education and Savings Outcomes in IDAs (June 2001)
[Abstract] [Paper]

Savings Patterns in IDA Programs (ADD Report 2000) (January 2000)
[Executive summary] [Chapters]

Family Assets for Independence in Minnesota (September 2001)
[Abstract] [Paper]
 

Microenterprise in the United States (Top)

Microenterprise in the First and Third Worlds (June 2001)
[English abstract] [English paper] [English review] [Résumé français]

Replicating Microfinance in the United States: Opportunities and Challenges (May 2001)
[Abstract] [Paper]

Self-Employment, Microenterprise, and the Poorest (June 1999)
[Abstract] [Paper]

Lessons for Microenterprise Programs from a Fresh Look at the Unemployment Insurance Self-Employment Demonstration (June 1999)
[Abstract] [Paper]

Evaluation and Microenterprise Programs (August 2001)
[Abstract] [Paper]

Support for Microenterprise as Asset-Building: Concepts, Good Practices, and Measurement (April 2004)
[Abstract] [Paper]
  

RoSCAs and informal finance (Top )

Women, Microfinance, and Savings: Lessons and Proposals (January 2002)
[English abstract] [English paper] [Resumen castellano] [Documento castellano] [Résumé français] [Résumé français Wampfler] [Document français] 

Informal Finance and the Design of Microfinance (November 2000)
[Abstract] [Paper]

Formal RoSCAs in Argentina (June 1999)
[Abstract] [Paper]

Predicting Creditworthiness With Publicly Observable Characteristics: Evidence From ASCRAs and RoSCAs in the Gambia (1998)
[English abstract] [English paper] [Gauss program for marginal effects in bivariate Probit] [Résumé français]
 

Discrimination (Top )

Women, Microfinance, and Savings: Lessons and Proposals (January 2002)
[English abstract] [English paper] [Resumen castellano] [Documento castellano] [Résumé français] [Résumé français Wampfler] [Document français] 

Discrimination in Installment Lending by Retailers of Consumer Durables In Apartheid South Africa (1996)
[Abstract] [Paper]

Automatic deposits, payments, and the ‘unbanked' (1997)
[Paper]
 

Rural microfinance (Top )

Rural Microfinance in Argentina after the Tequila Crisis (2004)
[Abstract] [Paper]

From Urban to Rural: Lessons for Microfinance from Argentina (June 2001)
[English Abstract] [English Paper] [Resumen castellano] [Documento castellano]

Seven Aspects of Loan Size (October 2001)
[Abstract] [Paper]

Choices by Poor Households when the Interest Rate for Deposits Differs from the Interest Rate for Loans (April 1998)
[Abstract] [Paper]

Microfinance, Regulation, and Uncollateralized Loans to Small Producers in Argentina (February 2001)
[Abstract] [Paper]

Notes on Methods Used in a Survey of Rural Clients of Financiera Calpiá en El Salvador (August 1998)
[Abstract] [Paper]

Notes on Basic Features of the Rural Borrowers of Financiera Calpiá in El Salvador (June 1999)
[Abstract] [Paper]
 

General Economics (Top )

Meta-Rules (June 2001)
[Abstract] [Paper]

Evidence of Shifts in Tastes for Meats in the United States (June 1995)
[Abstract] [Paper]

SpeedView: An 80-Column Preview Program for SpeedScript (1987)
[Abstract] [Paper]


Argentina (Top)

Rural Microfinance in Argentina after the Tequila Crisis (2004)
[Abstract] [Paper]

From Urban to Rural: Lessons for Microfinance from Argentina (June 2001)
[English Abstract] [English Paper] [Resumen castellano] [Documento castellano]

Microfinance, Regulation, and Uncollateralized Loans to Small Producers in Argentina (February 2001)
[Abstract] [Paper]

Formal RoSCAs in Argentina (June 1999)
[Abstract] [Paper]
 

Bangladesh (Top)

A Simple Poverty Scorecard for Bangladesh (May 2006)
[English abstract] [English paper]

A Cost-Effectiveness Analysis of the Grameen Bank of Bangladesh (June 2001)
[Abstract] [Paper]

A Framework for the Analysis of the Performance and Sustainability of Subsidized Microfinance Organizations With Application to BancoSol of Bolivia and to Grameen Bank of Bangladesh (December 1997)
[Abstract] [Complete paper] [Condensed paper]
 

Bolivia (Top)

Credit Scoring for Microfinance: Can It Work? (November 2000)
[English abstract] [English paper] [Resumen castellano] [Documento castellano]

A Simple Poverty Scorecard for Bolivia (October 2006)
[English abstract] [English paper]

A Scoring Model of the Risk of Costly Arrears at a Microfinance Lender in Bolivia (April 2004)
[English Abstract] [English Paper] [Resumen Castellano] [Documento Castellano]

Scoring Drop-Out at a Microlender in Bolivia (July 2001)
[English Abstract] [English paper] [Resumen Castellano] [Documento Castellano] [Résumé français]

Aspects of Outreach: A Framework for the Discussion of the Social Benefits of Microfinance (June 1999)
[Abstract] [Paper]

Microfinance and the Poorest of the Poor: Theory and Evidence From Bolivia (October 1999)
[English abstract] [English paper] [Resumen castellano] [Documento castellano]

A Framework for the Analysis of the Performance and Sustainability of Subsidized Microfinance Organizations With Application to BancoSol of Bolivia and to Grameen Bank of Bangladesh (December 1997)
[Abstract] [Complete paper] [Condensed paper]

BancoSol: The Challenge of Growth for Microfinance Organizations (August 1996)
[English abstract] [English Paper] [Resumen Castellano] [Documento Castellano] [Résumé français] [Document français]

Apex Organizations and the Growth of Microfinance in Bolivia (September 1998)
[Abstract] [Paper] [Response paper by Hans Dellien for FundaPro]

Microfinance Market Niches and Client Profiles in Bolivia (December 1996)
[Abstract] [Paper]
 

Bosnia and Herzegovina (Top)

Poverty Scorecards: Lessons from a Microlender in Bosnia-Herzegovina (December 2004)
[English abstract] [English short paper] [English long paper]  

Brazil (Top)

Audit Sampling Microfinance Portfolio-at-Risk (April 2001)
[English Abstract] [English Paper] [Traditional sampling spreadsheet] [Needle-in-a-haystack sampling spreadsheet] [Résumé français] [Document français]  

Colombia (Top)

Credit Scoring for Microfinance: Can It Work? (November 2001)
[English abstract] [English paper] [Resumen castellano] [Documento castellano]
 

Dominican Republic (Top)

Dominican Republic: Analysis of the Clients of FondoMicro (June 1995)
[Abstract] [Paper]

Credit Scoring for Microfinance: Can It Work? (November 2000)
[English abstract] [English paper] [Resumen castellano] [Documento castellano]
 

El Salvador (Top)

Notes on Methods Used in a Survey of Rural Clients of Financiera Calpiá en El Salvador (August 1998)
[Abstract] [Paper]

Notes on Basic Features of the Rural Borrowers of Financiera Calpiá in El Salvador (June 1999)
[Abstract] [Paper 2]

 

The Gambia (Top)

Predicting Creditworthiness With Publicly Observable Characteristics: Evidence From ASCRAs and RoSCAs in the Gambia (1998)
[English abstract] [English paper] [Gauss program for marginal effects in bivariate Probit] [Résumé français]


 

Haiti (Top)

A Simple Poverty Scorecard for Haiti (June 2006)
[English abstract] [English paper]

 

Measuring poverty of microfinance clients in Haiti (Sept. 2006, by Rob Fuller)

[English abstract] [English paper]

 

India (Top)

A Simple Poverty Scorecard for India (July 2008)
[Abstract] [Paper] [Data-entry Spreadsheet] [2006 version]

Is One Simple Poverty Scorecard Enough for India? (August 2006)
[English abstract] [English paper]

 

Indonesia (Top)

A Simple Poverty Scorecard for Indonesia (August 2008)
[English abstract] [English paper] [English data-entry Spreadsheet]

 

Kenya (Top)

A Simple Poverty Scorecard for Kenya (August 2008)
[English abstract] [English paper] [English data-entry Spreadsheet]

 

Mali (Top)

A Simple Poverty Scorecard for Mali (July 2008)
[English paper] [Data-entry Spreadsheet English] [Data-entry Spreadsheet Francais]

 

Mexico (Top)

A Simple Poverty Scorecard for México (October 2006)
[English abstract] [English paper] [Resumen castellano] [Documento castellano]

 

 

Morocco (Top)

A Simple Poverty Scorecard for Morocco (March 2007)
[English abstract] [English paper]

 

Pakistan (Top)

A Poverty Scorecard for Pakistan (February 2006)
[English abstract] [English paper]

 

 

Peru (Top)

A Simple Poverty Scorecard for Peru (April 2008)
[English paper] [English data-entry Spreadsheet] [Figuras Castellano] [Castellano hoja de calculo de entrada de datos]

 

Philippines (Top)

A Poverty Scorecard for the Philippines (April 2008)
[English abstract] [English paper]

 

South Africa (Top)

Discrimination in Installment Lending by Retailers of Consumer Durables In Apartheid South Africa (1996)
[Abstract] [Paper]
 

United States of America (Top)

Match Rates, Individual Development Accounts, and Saving by the Poor (October 2004)
[Abstract] [Paper]

Savings and Asset Accumulation in IDAs (ADD Report 2001) (January 2001)
[Executive summary] [Chapters]

Microenterprise in the First and Worlds (June 2001)
[English abstract] [English paper] [English review] [Résumé français]

Self-Employment, Microenterprise, and the Poorest (June 1999)
[Abstract] [Paper]

Lessons for Microenterprise Programs from a Fresh Look at the Unemployment Insurance Self-Employment Demonstration (June 1999)
[Abstract] [Paper]

Replicating Microfinance in the United States: Opportunities and Challenges (May 2001)
[Abstract] [Paper]

Asset Accumulation in Low-Resource Households: Evidence from IDAs (August 2001)
[Abstract] [Paper]

Drop-out from Individual Development Accounts: Prediction and Prevention (January 2002)
[Abstract] [Paper]

Measuring Saving (April 2004)
[Abstract] [Paper]

A Framework of Asset-Accumulation Stages and Strategies (October 2001)
[Abstract] [Paper]

Saving and Asset-Accumulation Strategies Used by Low-Income Individuals (September 2000)
[Abstract] [Paper]

Saving Performance in the American Dream Demonstration: Final Report (October 2002)
[Executive summary] [Report]

Income, Institutions, and Saving Performance in Individual Development Accounts (June 2003)
[Abstract] [Paper]

A Framework for Financial Benefit-Cost Analysis of IDAs (May 2000)
[Abstract] [Paper]

Program Costs for Individual Development Accounts: Final Figures from CAPTC in Tulsa (March 2004)
[Abstract] [Paper]

Cost-Effectiveness in Individual Development Accounts (April 2005)

[Abstract] [Paper]

What Do Individual Development Accounts Cost? The First Three Years at CAPTC (January 2002)
[Abstract] [Paper]

Resources Used to Produce IDAs in the First Two Years of ADD at CAPTC (August 2000)
[Abstract] [Paper] [Comment by Michael Sherraden]

Evaluation and Microenterprise Programs (August 2001)
[Abstract] [Paper]

Financial Education and Savings Outcomes in IDAs (June 2001)
[Asbtract] [Paper]

Saving, IDA Programs, and Effects of IDAs: A Survey of Participants (January 2001)
[Abstract] [Paper]

Support for Microenterprise as Asset-Building: Concepts, Good Practices, and Measurement (April 2004)
[Abstract] [Paper]

Savings Patterns in IDA Programs (ADD Report 2000) (January 2000)
[Executive summary] [Chapters]

Automatic deposits, payments, and the ‘unbanked' (1997)
[Paper]

 

Vietnam (Top)

A Simple Poverty Scorecard for Vietnam (August 2008)
[English abstract] [English paper] [English data-entry Spreadsheet]



Links (Top )

Request to be linked.

Center for Social Development, George Warren Brown School of Social Work, Washington University in St. Louis
Rural Finance Group, Department of Agricultural, Environmental, and Development Economics, The Ohio State University

Kansas City Mid America Chapter of the Project Management Institute, Eugene Schreiner, Certified Project Manager

ACCION International
Alternative Finance
Asociacion de Entidades Financieras Especializadas en Micro Finanzas de Bolivia (ASOFIN)
CEDRIC
, Chicago Federal Reserve
Consultative Group to Assist the Poorest

Development Gateway for Microfinance
echange
ELDIS Development Reporter, Institute of Development Studies
ENTERWeb, Jean-Claude Lorin
Forum Finances et Developpment
FORA (Russia)
Freedom From Hunger Technical Resources

Grameen Foundation USA

Green Microfinance
IPC
Inter-American Development Bank Microenterprise Unit  
Journal of Microfinance
Microbanking Bulletin

Microcapital Blog
Microcredit Summit
Microfinance Corporation

Microfinance Gateway, CGAP
Microfinance Training Program
MicroFin, Charles Waterfield
MicroRate  

Mimo Finance
One World Action (Women and Microfinance)  
PlaNet Finance
Pôle Microfinancement
Rural Finance Learning Centre
Sistema de Información sobre la Microempresa en América Central
Social Finance Unit, International Labour Organisation
USAID Development Experience Clearinghouse

Unitus
Virtual Library on Microcredit with microfinance bibliography, Hari Srinivas
Women's World Banking



Addresses (Top)

Mark Schreiner, Director
Microfinance Risk Management, L.L.C.
mark@microfinance.com
http://www.microfinance.com

2441 Tracy Avenue
Kansas City, MO 64108-2935, U.S.A.
 

Office telephone: +1 (816) 359-3545 (GMT minus 6 hours)
Home telephone: +1 (816) 474-3115 (GMT minus 6 hours)
 

Senior Scholar, Center for Social Development
Washington University in St. Louis
Campus Box 1196, One Brookings Drive
St. Louis, MO 63130-4899, U.S.A.