Microfinance for Bankers and Investors_10

304 • References “World’s First Microcredit Securitization: $180 Million Deal Between Bangladesh Rural Advancement Committee, RSA Capital, Citigroup, Netherlands Development FinanceCompany, and KfW Entwicklungsbank,” MicroCapital Monitor, July 11, 2006. Zaalberg, Maarten Brocades, “A Billion to Gain?—An Update,” ING Bank, September 2006. Chapter 10 Ivatury, Gautam, and Ignacio Mas, “The Early Experience with Branchless Banking,” CGAP Focus Note 46, April 2008. Loubière, Jacques Trigo, Patricia Devaney, and Elisabeth Rhyne, “Supervising and Regulating Microfinance in the Context of Financial Sector Liberalization: Lessons from Bolivia, Colombia and Mexico,” ACCION International Monograph, 2004. “Microfinance Banana Skins 2008: Risk in a Booming Industry,” Centre for the Study of Financial Innovation, special issue, no. 80, March 2008. Chapter 11 Access to Finance, World Bank Newsletter, issue 4, April 2005. “Acquisition of Serasa,” Experian presentation, June 26, 2007, www.experianplc.com. “Credit Bureau Knowledge Guide,” International Finance Corporation, 2006. “Credit Bureaus: Enabling Economic Growth and Prosperity,” International Finance Corporation, 2007. “Doing Business 2008,” World Bank, www.doingbusiness.org. “Experian to Buy 65 pct Stake in Brazil’s Seresa,” International Business Times, June 26, 2007, www.ibtimes.com. Fair Issac, www.fairisaac.com/ficx. Finrural, www.finrural-bo.org. Hunt, Robert, “A Century of Consumer Credit Reporting in America,” Working Paper No. 05–13, Federal Reserve Bank of Philadelphia, 2005. Lenaghan, T., “Microfinance and the Market for Credit Information in El Salvador,” USAID Microenterprise Best Practice Project, 2001. Luoto, Jill, Craig McIntosh, and Bruce Wydick, “Credit Information Systems in Less-Developed Countries: Recent History and a Test,” 2004, are.berkeley.edu. Microenterprise Development Review, vol. 2, no. 2, Inter-American Development Bank, January 2000. Salazer, Daniel, “Credit Scoring,” CGAP IT Innovation Series, 2003. Stein, Peer, “Next Generation Access to Finance: Setting the Stage,” International Finance Corporation presentation, September 2007. Chapter 12 Barth, Steve, “Give a Village a Phone: How Mobility Is Revolutionizing Microfinance,” Mobile Enterprise, December 2007. References • 305 Ivatury, Gautam, and Mark Pickens, “Mobile Phone Banking and Low-Income Customers: Evidence from South Africa,” publication by CGAP, United Nations Foundation, and Vodaphone Group Foundation, www.globalproblems-globalsolutions-files.org. NTT DoCoMo, www.nttdocomo.com. Reed, Larry (former CEO, Opportunity International), discussions with ACCION, 2007. “Worldwide Mobile Cellular Subscribers to Reach 4 Billion Mark Late 2008,” press release, International Telecommunication Union, September 25, 2008, www.itu.int. 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Fuchs, Zach, “Microfinance: Beyond Philanthropy,” Euromoney, September 2006. “Investing for Social Impact: A Design for Catalyzing a New Industry,” Monitor Institute, January 2009. Investment Dealers Digest, February 2005. “Microfinance: A Survey,” The Economist, November 3, 2005. The Microfinance Information Exchange, www.themix.org. “Microfinance: Taking Root in the Global Capital Markets,” Standard & Poor’s, June 2007. “Microfix: The Micro Finance Local Currency Connection for Micro Finance Organizations,” Symbiotics, October 20, 2008, www.symbiotics.ch. “MicroRating International,” press release, MicroRate and M-Cril, February 2007. Sinha, Sanjay, “Davids & Goliaths in International MicroFinance: The Challenge for Specialized Raters,” Micro-Credit Ratings International, July 2006. “When Small Loans Make a Big Difference,” Forbes, June 3, 2008. 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Chapter 16 Gruenberg, Martin, presentation at the World Bank’s Global Seminar on Consumer Protection and Financial Literacy, September 2008. Porteous, David, “Competition and Microcredit Interest Rates,” CGAP Focus Note 33, February 2006. Yankelovich, Daniel, Profit with Honor: The New Stage of Market Capitalism (New Haven: Yale University Press, 2006). Chapter 17 Equator Principles, www.equator-principles.com. Global Reporting Initiative, www.globalreporting.org. “Progress Out of Poverty Index,” Grameen Foundation, www.progressoutofpoverty.org. ICICI Bank Annual Report, ICICI Bank, 2008. Banerjee, Gargi, “Rural Banking with ICICI Bank,” Businessworld, September 8, 2006. Chopra, Parveen, “ICICI Bank Opens First U.S. Branch,” Nerve News of India, March 1, 2008. “Crisil, IFMR Trust, ICICI Foundation Work Together for Social Betterment to Jointly Develop Markets for Under-Served Asset Classes,” press release, ICICI Foundation, Crisil, and IFMR Trust, July 17, 2008. Duflo, Annie, “ICICI Banks the Poor in India: Demonstrates That Serving Low-Income Segments Is Profitable,” Microfinance Matters, no. 17, October 2005. “FINO, a Shared Technology Platform,” ICICI Bank case study, www.icicicommunities.org. “ICICI Bank in Microfinance,” presentation, ICICI Bank, Geneva Conference on Microfinance, October 2005. “ICICI Bank in Microfinance,” presentation, ICICI Bank, March 15, 2005, www.adb.org. “ICICI Bank’s Microfinance Strategy: A Big Bank Thinks Small,” CGAP. References • 307 ICICI Foundation Web site, www.icicifoundation.org. Kamath, K. V. (CEO, ICICI Bank), videotaped interview, World Economic Forum 2008, accessed on YouTube. M., Raja, “It Hurts When an Indian Bank Loan Goes Bad,” Asia Times, November 8, 2007. Mor, Nachiket, “ICICI Bank in Microfinance: Breaking the Barriers,” PowerPoint presentation, December 2004. Panda, Debadutta Kumar, and Jasmine Mohanty, “Product Mix and Product Innovation of Microfinance in India.” Preamble on ICICI Pru’s Rural Business Inititive, www.iciciprulife.com. “Rural and Agri Banking,” ICICI Bank—Banking Services, ebusiness.icicibank.com. Sriram, M. S., “Expanding Financial Services Access for the Poor: The Transformation of Spandana,” Indian Institute of Management, Ahmedabad, working papers, April 2005. Thorat, Usha, “Financial Inclusion—The Indian Experience,” speech, HMT-DFID Financial Inclusion Conference, London, June 19, 2007. Citigroup Annibale, Robert (global director, Citi Microfinance), discussions with ACCION, December 19, 2007. ——, “Remittances: More Than a Transfer—Valuing the Strengthening Customer Relationships,” presentation, Citigroup Microfinance Group, December 2004. Boúúaert, Matthijs, “A Billion to Gain? A Study on Global Financial Institutions and Microfinance; the Next Phase,” ING, March 2008, 47. “Citibank Announces Pioneering Program to Ecuador,” press release, Citigroup Inc., December 7, 2005, www.earth.columbia.edu. “Citibank India & SKS Announce USD 44 Million Rural Microfinance Program,” press release, Citigroup Inc., May 9, 2007, www.citigroup.com. “Citibank India Unveils Biometric ATMs with Multilanguage Voice Navigation Features for Microfinance Customers,” press release, Citigroup Inc., December 1, 2006, www.citigroup.com. “Citigroup/Banamex Leads Financiera Compartamos Bond Issue in Mexico with a Partial IFC Credit Guarantee; Standard and Poor’s, Fitch Assign Investment-Grade Country Rating,” press release, Citigroup Inc., August 2, 2004. “The Financial Times Sustainable Banking Conference and Awards,” Financial Times, The Landmarke, London, June 7, 2007, www.ftconferences.com. Jaramillo, Maria (senior director, ACCION International), discussions with ACCION, September 2008. “Microfinance: Building Domestic Markets in Developing Countries,” brochure, Citigroup Inc., www.citigroup.com. Microfinance Network, “BRAC and Citi Sign Remittance Partnership Agreement,” press release, July 29, 2007. Ratha, Dilip, et al., “Migration and Development Brief 3,” Remittance Trends 2007, November 29, 2007. “Sending Money Home; Worldwide Remittance Flows to Developing Countries,” International Fund for Agricultural Development, 2007. 308 • References Banco Pichincha Lopez, Cesar, and Elisabeth Rhyne, “The Service Company Model,” ACCION International InSight, no. 6, September 2003. “Unidad de Planeación Financiera: Balance General,” Banco Pichincha, October 23, 2008, www.pichincha.com. Banco Bradesco Banco Bradesco, www.bradesco.com.br/ri/eng. “Banco Bradesco,” www.wikipedia.com. Carvalho, José Osvaldo (CFO, Banco Postal), “Mind the Gap: Bankable Approaches to Increase Access to Finance,” presentation at conference, Netherlands Financial Sector Development Exchange, November 2006. Data on Poverty and Inequality, World Bank, www.worldbank.org. Egypt Post, www.egyptpost.org. Kumar, Anjali, et al., “Expanding Bank Outreach Through Retail Partnerships: Agent Banking in Brazil,” World Bank Working Paper No. 85, 2006. “Mind the Gap: Bankable Approaches to Increase Access to Finance,” Banco Bradesco presentation, May 2007. Rivera, José Nivaldo (manager, Banco Postal department of Banco Bradesco), discussions with ACCION, September 2006. Seidek, Hannah, “A Joint Venture Gets Disjointed. Will Banco Postal Customers Suffer?” CGAP Technology Blog, September 10, 2007. www.bnaamericas.com. Banco Azteca “Banco Azteca Case Study and Commercial Ad,” October 20, 2008, www.digitalpersona.com. 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