文档介绍：Doc.#48970INFORMALFINANCE:ORIGINS,EVOLUTIONARYTRENDSANDDONOROPTIONSbyHansDieterSeibelRuralFinanceAdviser,IFAD(@)1999(RevisedFebruary2000)Publishedas:RuralFinance:(April2001):83-95IFAD–INTERNATIONALFUNDFORAGRICULTURALDEVELOPMENTDisclaimer:IFAD',consultants,,interpretations,,itsExecutiveDirectors,:anincentives-drivenapproachFinancialServiceAssociation(FSAs):anoptionpioneeredbyIFADLinkagebankingNGOsaspromotersofgoodpracticesPromotingprudentialregulationandsupervisionAnnex1:Mainstreaminginformalfinancialinstitutions:objective,keyresultsandoutputsReferences1233455689AbstractInformalfinancialinstitutions(IFIs),amongthemtheubiquitousrotatingsavingsandcreditassociations,-managedbylocalpeople,poorandnon-poor,theyareself-anizationswhichmobilizetheirownresources,,theyhavespreadintonewareasandgrowninnumbers,sizeanddiversity;butultimately,mosthaveremainedrestrictedinsize,,orshouldtheybehelpedtoupgradetheiroperationsandintegrateintothewiderfinancialmarket?Underconducivepolicyconditions,somehavespontaneouslytakentheopportunityofevolvingintosemiformalorformalmicrofinanceinstitutions(MFIs).Thishasusuallyyieldedgreatbenefitsintermsoffinancialdeepening,,amongthem:incentives-working;encouragingtheestablishmentofnewIFIsinareasdevoidoffinancialservices;linkingIFIs/MFIstobanks;strengtheningNGOsaspromotersofgoodpractices;and,inanon-repressivepo