33478 á°UÉN á°SGQO 2004 / 8 :" " - - " : ­ 750 ­ . . 28 . . . - ) . : 80 .( .www.cgap.org . 750 " . - - ( ) . . 1818 H Street NW " Washington DC 20433 ." 202 473 9594 : 202 522 3744 : õLe : cgap@worldbank.org : 1 . www.cgap.org . . ­ - 1 . . ( 33 ) . :" " . 18 . ­ ­ . . . ­ ­ ."(AFIs) " . 750 ­ . ­ 2 . / . 3 . . . 2 . " . " . . .1 . " " " 3 " " . 4 . " . . " "" 4 ." " " (1 : (2 . . ." " "" 2 ( ) / ( / . ) . ( . [] . ( ) . . . ­ . . - . . . 1997 . . 2000 . : 5 3000 . : . 5 . (www.cgap.org) . . : ) [NBFIs] 3 6 . . - . . . . 2 1 . 3 . 7 . ( ) 750 . . : . . . 6 . 70 7 . . ) ( . ( ) * : ** 3% 5,193 - 348 33 857 3,956 AFR 58% 88,133 - 65,624 3,147 1,069 18,292 ( ) EAP 31% 46,741 - 46,570 0 18 153 0% 548 - 28 - 90 430 ECA 4% 5,332 - 51 162 655 4,464 LAC 4% 6,832 - 5,912 - 11 909 MENA 30% 46,217 - 22,030 1,467 355 22,366 ( ) SA 16% 23,760 - 19,748 - 51 3,961 100% 152,255 - 93,994 4,809 3,037 50,415 100% - 62% 3% 2% 33% % ECA EAP ( ) AFR : SA MENA LAC . * ** . 4 ( ) : ** 4% 23,915 12,854 343 1,113 5,648 3,958 AFR 44% 253,634 141,005 15,772 6,019 12,130 78,708 ( ) EAP 19% 110,215 110,000 - - 200 15 3% 17,357 11,503 - - 5,691 163 ECA 2% 10,041 179 50 48 8,466 1,298 LAC 8% 46,230 16,525 29 - - 713 MENA 9% 221,999 136,383 53,773 11,495 1,620 18,728 ( ) SA 31% 178,347 124,010 50,021 - 389 3,927 100% 573,176 318,450 98,930 18,675 33,553 103,568 100% 56% 17% 3% 6% 18% % ECA EAP ( ) AFR : SA MENA LAC ** . ( ) : ** 4% 26,790 12,854 634 1,117 5,940 6,246 AFR 48% 319,406 141,005 78,772 6,054 12,145 81,430 ( ) EAP 24% 156,924 110,000 46,570 - 200 154 3% 17,718 11,503 28 - 5,692 495 ECA 2% 14,198 179 81 162 8,620 5,156 LAC 7% 48,670 16,525 30,712 - 11 1,422 MENA 36% 238,245 136,383 61,980 11,623 2,434 25,825 ( ) SA 28% 187,812 124,010 57,821 - 392 5,589 100% 665,028 318,450 172,207 18,955 34,843 120,573 100% 48% 26% 3% 5% 18% % ECA EAP ( ) AFR : SA MENA LAC ** . . . . 660 :3 660 ( ) . . . 5 . "" : . . . .( ) . - ­ . . 18 " " ) . . 6 . 6 .( . . . 65 . 25) 33 . .( . 57 . / . 6 : 4 27,000,000 666 AFR 17 319,000,000 1,866 ( ) EAP 12 157,000,000 1,280,975,000 5 18,000,000 385,369,332 ECA 3 14,000,000 515,988,980 LAC 13 49,000,000 377,797,840 MENA 17 238,000,000 1,372,806,710 ( ) SA 18 188,000,000 1,048,279,000 13 665,000,000 5,183,731,692 ECA EAP ( ) AFR : SA MENA LAC . ) . . .( . ( 80 ) . . . . 8 ­ 7 9 : 9 8 8 8 . : . 8 . . . . . . : ** 8% - 11% 27% 29% AFR 42% - 6% 64% 9% ( ) EAP 41% - - - 318% - - 7% 25% ECA - - 2% 16% 15% LAC 13% - - - - MENA 18% 37% 4% 2% 10% ( ) SA 18% 37% 0% 0% 2% ECA EAP ( ) AFR : SA MENA LAC ** . : ** 143% 34% 55% 137% AFR 23% 58% 74% 14% ( ) EAP 22% - 13% 8% - - 15% 68% ECA 69% 39% 57% 43% LAC 1% - - 131% MENA 66% 18% 12% 17% ( ) SA 66% - 9% 13% ECA EAP ( ) AFR : SA MENA LAC ** . 8 ( ) ­ 29.3% $2,217,064 $649,338 21.5% $302,184 $65,039 SA 4.8% $985,179 $47,689 LAC 0.5% $152,055 $821 AFR 27.3% $367,099 $100,275 ECA 3.2% $484,673 $15,279 MENA 19.5% $4,508,255 $878,441 ECA EAP ( ) AFR : SA MENA LAC . 2000-2003 : § 90 10 . . . . . 90 600 . ­ . ­ 150 . 750 2.5 . . 10 : . . . 2002 . - " " 80 . 9 . " " . . . : ) 2003 9 .198 (2003 9 :( ) . . " ) " . ( . : . . ) .( : / . ) . .( . : . . " " . . - - . . . : . . . : . . . . . . . . 10 : . . . . . . : ./ . . : . . . .() . . .( ) . ) ( . 60 2002 " . " " ." " . . " . 10 . . .2003 - 10 . .16-17 3 . (2003 :) http://www.microcreditsummit.org/pubs/reports/socr/2003/SOCR03-E [txt].pdf. . 11 ­ ­ . . . 11 . ) .( . : : : : . ( ) . : . . ( ) "" . 750 . ­ . . . . :() "" 11 . . 12 ­ 11 6 .1 ( ) .2 () .3 3 = .4 (2 ) / 5- 750 ( 100) .6 650 = .7 ( 130) ([] 7 1/5) .8 500 ~ = .9 17% (4 9 ) .10 33% ~ (10x 2 ) .11 500 11 . 3 . . . : 6 . . 15 12 - 3 . . 750 550) 700 13. 12 150 2 . . 100 ( 100 . 13 150 3 ) 750 . 650 ( . 13 ) ( . . : . . . . . : . . . . . . ) .( ( ) . . . . . . . . . - : . - 14 . . . : . 12 . . . : . ( ) . . . " " ­ ­ ) . . - ­ (. . . . : . ) .( ." " . ( ) . . : ­ ­ . 15 ­ ­ ( ) 53% 601,565 686,716 77% 328,994 1,099,883 6% 29,065,495 1,769,425 65% 659,642 1,243,917 33% 495,526 248,725 98% 29,057 1,527,363 7% 8,951,100 713,812 : () - . . . . . . . . . . . . . . . . . . . . . . - 16 . . . . . . . . . . : . . . . . . . 3000 . . . 1997 75-80 . 25 . 2000 573 80 20 . 14 . . . 572 (2002 /) 14 (2000 /) . (2000 /) 11 . 17 / . .2003 . . 78 . 2000 . . . . - - . ( ) . . . .( ) : " " ) www.cgap.org ( . 15 . . . . 15 . . . 18 19 8 . . . . : www.cgap.org