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close this bookFinancial Management of a Small Handicraft Business (Oxfam, 1988, 43 p.)
View the documentAcknowledgements
View the documentIntroduction
Open this folder and view contentsI. Cost calculations in the handicraft industry
Open this folder and view contentsII. Pricing
Open this folder and view contentsIII. The concept of working capital
Open this folder and view contentsIV. Financial planning and decision making
View the documentConclusion
View the documentA manual of credit & savings for the poor of developing countries
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A manual of credit & savings for the poor of developing countries

For the majority of the World's poor access to credit is a major problem. Farmers need money for inputs if they are to improve yields. Business ventures need to borrow to get started. Family ceremonies like weddings and funerals cost money—finding the cash can often result in chronic debt.

With nothing to offer as security the poor are frequently denied access to formal financial institutions like banks. When banks do make money available it is usually only for productive investment'. The only recourse is to pay the high interest rates asked by the local money lender.

A Manual of Credit and Savings describes ways in which loans can be made available and existing programmes adjusted to better fit the needs of poor people. The book draws extensively on Oxfam's experience in a number of different countries.

Published by OXFAM
ISBN 0 85598 079 6
April 1987
A5, 70pp
Price: £2. 50 ( + post/pkg)

Enquiries and orders to: Oxfam, Publications Department 274 Banbury Road Oxford OX2 7DZ UK

Trade Enquiries to: Third World Publications, 151 Stratford Road, Birmingham, B11 1RD