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close this book Oxfam resources for development and relief
View the document Background reference and reference
View the document Oxfam development casebooks
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View the document Capacity-building
View the document Micro-enterprise
View the document Trade, aid and debat
View the document Oxfam country profiles
View the document Order form
View the document Environment, pastoralism,liverstock, and agriculture
View the document Conflict and emergencies
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View the document Gender
View the document Series Outlines


'The approach to microfinance proposed here has five main points First, that NGOs should investigate existing financial services; who uses them and to what effect. Second, that before intervening directly, NGOs should assess whether they have the specialist knowledge and skills required to provide financial services themselves. Third, in order to design services which are relevant and useful to poor people, NGOs should understand local social and economic structures, and also macro-level trends. Fourth,, NGOs should consider how the provision of services can be sustained in the long term. Lastly, the impact on poverty reduction should be continually assessed rather than taken for granted, which tends to happen if a microfinance intervention is covering its costs and has many low-income users.' from the Introduction


Microfinance and Poverty Reduction

Susan Johnson and Ben Rogaly

This book considers various types of microfinance schemes and compares the effectiveness of different approaches in aiding poverty reduction.

The provision of credit and other financial services has become increasingly seen as the answer to the problems facing poor people. Microfinance intervenhons have the capacity to increase incomes, contribute to individual and household security, and change social relations for the better. But it cannot be assumed that they will do so and it may often be more effective in terms of poverty reduction to combine credit provision with other development activities

The authors emphasise the importance of first studying the local context, and then considering the macro-economic factors which may be operating upon the economy of a particular country. Five extended case studies, in the Gambia, Ecuador, Mexico, Pakistan, and the UK, are examined; aspects of sustainability and impact assessment are considered with reference to these case studies and to other examples.

• Susan Johnson has worked for ACTIONAID since 1991. She is currently researching microfinance issues. Ben Rogaly is a socio-economist who has previously been a policy adviser to Oxfam. He is now a lecturer in development studies at the University of East Anglia.

An Oxfam Development Guideline February 1997, 085598 3698, 144PP, £8.95, $14.95

Also available in Spanish

0 85598 379 5, 144PP, £8.95, $14.95


Gender Considerations in Economic Enterprise

Edited by Eugenia Piza-Lopez and Candida March

An account of a workshop held by Oxfam's Gender and Development Unit in Asia in 1990, which aimed to discuss the diverse approaches to working with women on incomegeneration projects in the region.

An Oxfam Working Paper

1991, 0 85598189 X, 40PP, £6.95, $9.95


A Bibliographical Survey of Rotating Savings and Credit Associations

Alaine Low

In many countries in Africa and Asia, rotating savings and credit associations underpin much of the economy. This survey covers the wide range of literature on these associations. Centre for Cross-CulturaL Research on Women 1995, 0 85598 298 5, £9.95, $15.95


Basic Accounting for Credit and Savings Schemes

Nicola Elliott

'a useful tool to help NGO staff to develop basic accounting skills. Small Enterprise Development

A simple and practical guide for accountants and committee members of savings schemes, credit schemes, and combined credit and savings schemes. The guide assumes no previous knowledge of accounting, and explains all the principles and tasks relevant to financial management. It will be useful as a general introduction to basic accounting, as well as to credit control and stock control.

• Nicola Elliott was formerly Senior International Accountant at Oxfam UK/I and is now Head of Accounts at Voluntary Service Overseas (VSO).

An Oxfam Basic Guide

1996, 0 85598 342 6, paperback 96pp, £5.95, $9.95


Basic Accounting for Small Groups

John Cammack

A step-by-step guide to basic accounting and financial management techniques for those with no previous experience of accounting and book-keeping, this book is ideal for any small group which needs to keep accurate records of its financial transactions.

An Oxfam Basic Guide

1992 0 85598148 2 paperback 64pp illustrated, £5.95, $9.95


The Financial Management of a Small Handicraft Business

Edward Millard

Explains the basic financial concepts involved in the effective planning of day-to-day operations which will help small businesses to plan working capital requirements and achieve profitability..

An Oxfam Basic Guide

1988, 0 86598 082 6, paperback 43pp illustrated, £4.95, $7.95


Export Marketing for a Small Handicraft Bussines

Edward Millard

Written in clear and accessible language with the small handicraft business firmly in mind, this helpful book covers such issues as market research, contact with customers, product development and design, packaging, and export formalities. This new edition includes updated information on export regulations and additional coverage of planning and marketing theory

An Oxfam Basic Guide

1996 second edition, 0 855981741, paperback 192pp illustrated, £9.95, $15.95


Income Generation Schemes for the Urban Poor

Donnacadh Hurley

This book examines the reasons for the failure or success of income generation schemes, and stresses the need to be more aware of the harsh economic realities.

An Oxfam Development Guideline

1990, 144pp illustrated

0 855981016, hardback, £24.95, $39.95

0 85598102 4, paperback, £8.95, $14.95