2002 / ­ 6 

                                                      


                                                             

                    
                                                               .       
      .                 
.      (    )            
    /                     
         ./          
                                               .          
                        
                       .
                                                                           .     
                       
                                                                                             . 
 %25    10,000    %0.25       25        ·
                                                                    .  100   
               /       ·
                                            .   /     
          /          
      .                    
      100    .             ·
             12.23 /  ­    - %6     
                       
    .       %3.4    %6        
                        ·
117                    
                                                                                       .%847 
       .                ·
          "6/5 "         . %10     
                               .%20           5    6
                      
           .             
           .              
.   ""                    


                        ·
                                                                           .  



                         CGAP 1818 H Street, NW Washington, DC 20433
       Tel: 202 473 9594 Fax: 202 522 3744 E-mail: cgap@worldbank.org Web: www.cgap.org

     .                ·
                        
                                                                                          .      
                           ·
                                    .              
                         
                                                                                                      .    
    .           (MBB)      ·
                         148
                                                                            .(  )  ....  
                                                                                  
           *%31.6                                                                               *%18.9                    

             %43.4                                                                               %20.1                 
             %48.2                                                                               %23.3                  
                                                                                                 %38.2                   
                                                                                 *
                     ·
                BancoSol     
                                                                                                              .%24  %50 
                      
                                                                                                                       
                  .     ·
                                                  .             
              .       ·
  :                  
                                                                                                  .   
                 .   ·
                                            .            
              (    ) .    ·
 /             .     
                   .                .
          .(      )     ·
                           /    
                                                                                      .    /


                                                                   .       Ruth P. Goodwin-Groen :
                  :/ .    
     /      (2001  /      )  
   Micro and Small Enterprise Finance: Guiding )        :       
           8.30      (1995    ) (Principles for Selecting and Supporting Intermediaries
 Profit for the )       :   : Malcolm Harper   (1998 /) (Financial Intermediary Lending)
    ( /) 7       (1998 Intermediate Technology Publications :) (Poor: Cases in Microfinance
 (1996 /  1       ) (Microcredit Interest Rates)       Richard Rosenberg
   .(2001    ) 1   The Microfinance Revolution: Sustainable Finance for the Poor   Marguerite Robinson  
                                                 www.microbanking-mbb.org, www.cgap.org/html/p_occasional_papers01.html :   




   CGAP Donor Team: CGAP European Office c/o The World Bank 66, avenue d'Iena 75116 Paris FRANCE CGAP
   Contact: helpdesk@cgapdirect.org - CGAP Donor Information Resource Centre (DIRECT) -- www.cgap.org/direct