33453 2001 / 23 : (BANCO DE NORDESTE) (CrediAmigo) . . : . . ") 1818 H Street, NW Washington DC 20433 . (" 202.473.9594 : 202.522.3744 : . : Cgap@worldbank.org www.cgap.org . . . ( ) CGAP 2000/30 . . . 35855 . . 6(270)541.47 1 . 9 2.5. 3. .30 .51998 2.5 . 90 . . 313 85. . 108 2.2001 . "" "" . (ProjectoUno) .1971 . 1996 . . .1361(BancoSol)20001 45.1064(Compartamos) .2001/(MicroBankingBulletin) . 40 140 (Grameen) "" .""2 . 3 .(2000 - ­ ) :1 1995/ . 6862.6 . . 404 . 78 35 7.920003.4)1995 .(1995 . 4 5468 6021217 . . . . . ) . . ( 150 . 1996/ . . ( 3) 6 .(1 ) . 176 . . . . 1996/ . . : . ( ) . . . . 1997/ . . . . . : . . 24 . . . . 900 . . . ACCION . . . . ACCION . . . . .. . . . . . . 50 1997/ 100 . . . 90 : . "" . . 15 . . - 4. 5 ( 30 ) . (1). . . . 5. . . ACCION . . . . : . 6.(2 ) ... . 5 7. 6.9 . . " " 4 . 5 . . . ."" 6 .1999 / .7 . . . . 8 :1 :2 1997-2000 300 250 60000 18 16 50000 200 14 OF% TFOLIO CLIENTS 40000 12 AS POR 150 OF 10 30000 8 LOSS 20000 6 ANDING 100 NUMBER 4 LOAN 10000 2 OUTST 50 0 0 0 Dec-97 Mar-98 Jun-98 Sep-98 Dec-98 Mar-99 Jun-99 Sep-99 Dec-99 Mar-00 Jun-00 Sep-00 Nov-97 Jan-98 Mar-98 May-98 Jul-98 Sep-98 Nov-98 Jan-99 Mar-99 May-99 Jul-99 Sep-99 Nov-99 Jan-00 Mar-00 May-00 Jul-00 Sep-00 :3 :4 () 400 100 300 80 60 PERCENT 200 EMPLOYEES 40 OF 100 20 NUMBER 0 Dec-97 Jun-98 Dec-98 Jun-99 Dec-99 Jun-00 Dec-00 0 Dec-97 Jun-98 Dec-98 Jun-99 Dec-99 Jun-00 Dec-00 .(4 ) . . 8 .(3 ) " " . . . . . . . 1998/ . . .(5) . . 1999/ . . . . 50 9. . . :5 20 250 200 15 . 150 10 .2000 / 100 5 50 0 0 / / / / / / -98 - / - -97 -98 99 -99 2000 -2000 = . ( ) . :6 ( ) ( ) . 150,000 300,000 / 900,000 5,000,000 - . . . 9 . . 9 1996 . 1501999 . () . . . 50 . . 1.2 300) 900 .( . 5 . 10.(6 ) . . . . . "" 10 . . 1998 . "" .() . (BancodelEstado) Bank) . 3500 (Rakyat 10 .( ) . . ) .( . . 50 ." " . . : 11 23 . . . . . . . rchristen@worldbank.org: : : Meadows Design Office . .www.cgap.org ( ) CGA -