Microfinanciering, dat kennen we!
Authors: Guus Heffelaar & Klaas Molenaar, December 2011.
ISBN: 978-90-77812-372

In 2010-2011 Klaas Molenaar acted as advisor to Radio Netherlands Worldwide (RNW) during the campaign, "Microfinance, who profits"  (www.rnw.nl/microfinance). In the course of that process it became evident that everyone wants to talk about microfinance, but few had a profound knowledge of what it is all about. Microfinance is a solution in the fight against poverty. But does everyone talk about the same? Do we have sufficient data or information at hand for such debate? And is knowledge available and accessible? Not everything is as obvious as it seems.

That resulted in this book. It is intended for anyone who wants to join the debate about microcredit and microfinance. And for anyone who is willing to ask questions and seek answers. The book deals with a number of topics that often pop up in the debate, but it gives no answers. The text allows the reader to be surprised. That is the intention of the authors who hope that readers still continue searching for answers. Answers that eventually may lead to a more effective use of microfinance in society. The people who depend on microfinance deserve so.

To order a copy please contact Klaas Molenaar, Cet e-mail est protégé contre les robots collecteurs de mails, votre navigateur doit accepter le Javascript pour le voir  or download  

Microfinance, evolutions and challenges
Author: Klaas molenaar, June 2011. ISBN-EAN: 978-90-77812-34-1

A new book written by Klaas Molenaar in his capacity of Professor in Microfinance and Small Enterprise Development at Inholland University of Applied Sciences.

“….. there is only the viability of people: people, actual persons like you and me, are viable when they can stand on their own feet and earn their keep…” E.F. Schumacher, 1973

Microcredit and microfinance have been embraced by many and widely accepted as an effective tool for development. Lessons can nowadays be drawn from experience in developing countries. We need such lessons if we ask ourselves how to reach out to the socially excluded in Europe. Can it be used to create jobs and promote entrepreneurship? Under which conditions can microfinance be effective? To answer those questions we need to study the way microcredit and microfinance evolved and the lessons learned. Programmes to develop microfinance might either be focused at the awareness level, the policy level, at institutional development or at services proper. These elements and their interrelations form the pillars in the analytical framework that we use in this book.

This book is helpful to study the evolution of microcredit and microfinance across our borders. It will contribute to a broader and deepened understanding among (future) practitioners and policy makers and will be useful to develop the sector in the Netherlands and other European countries. That may result in rendering better services to people. The large number of socially and economically excluded expect that from us.

Want a copy? Ask Triodos Facet Secretariat ( Cet e-mail est protégé contre les robots collecteurs de mails, votre navigateur doit accepter le Javascript pour le voir ) or
the Centre for Microfinance, Inholland University of Applied Sciences: Cet e-mail est protégé contre les robots collecteurs de mails, votre navigateur doit accepter le Javascript pour le voir

Análasis de los resultados del Programa BCIE de apoyo a la MIPYME y el Desempeño Social de las Instituciones Financieras Intermediarias del BCIE
Banco Centroamericano de Integración Económica (BCIE) - KfW Entwicklungsbank - Triodos Facet; Julio 2010

In Central America, the MSME programme from BCIE is the largest provider of funds for micro credit businesses. Most of these funds are allocated through microfinance institutions, cooperatives and banks specialized in microcredit. Several of these intermediaries provide services in the rural areas. Triodos Facet was contracted to carry out an evaluation. The evaluation covered the period 2005-2008 and aimed to measure the effects of program-level intermediary institutions and end customers. Countries involved: Costa Rica, El Salvador, Guatemala, Honduras, and Nicaragua. [See also project reference 3263]

Como pueden ver en la página del BCIE tanto el Estudio como la Presentación están disponibles para el público:
Análasis de los resultados del Programa BCIE de apoyo a la MIPYME
Presentación

Enterprising migrants in the driver’s seat
Author: Klaas Molenaar. IntEnt Foundation, December 2009. ISBN-EAN 978-90-9024993-3 

Enterprising people migrate. Over time, we have come to understand that enterprising migrants integrate successfully in society by setting up new businesses. With one foot in their country of origin and the other in their country of residence, they contribute to development in whichever society they live in.

The IntEnt approach (developed by Triodos Facet) is innovative, as it blends business creation concepts with entrepreneurship development and financing of small and medium (starting) enterprises (SME). Concepts developed in various SME promotion and development programmes as well as in the area of migration, integration and development have been applied.

This book makes the know-how gained available to a wider public. The practical experience can serve as material for professionals and practitioners interested to set up similar programmes and to policy makers in search of ways to link Integration, Migration, Development and Entrepreneurship. This can be applicable not only in the Netherlands, but also in other European countries where a growing number of people contemplate to launch similar programmes.

Price first edition: we charge only costs for shipping and handling.
(5 euro The Netherlands / 15 euro Europe / 25 euro outside Europe)
Order at Cet e-mail est protégé contre les robots collecteurs de mails, votre navigateur doit accepter le Javascript pour le voir   or Cet e-mail est protégé contre les robots collecteurs de mails, votre navigateur doit accepter le Javascript pour le voir

Risk Management and Sustainability Management: A Handbook for Microfinance Practitioners 2009
Authors: Tom Baur, John Guzowski, Geert Jan Schuite, Triodos Facet, September 2009.

This Handbook on Sustainability and Risk Management is intended to help microfinance institutions by suggesting a practical approach for improving their performance. Few areas of banking are more important these days than the ability to mange risks. As the sector professionalises, the environmental, health and safety impact becomes more relevant to financial institutions. Eleven practical tools form the core of this handbook.

 A Handbook for Microfinance Practitioners 2009 [2.02 Mb]

Trends in Microfinance
Authors: Stefan Platteau, Hedwig Siewertsen, Triodos Facet , May 2009.

Triodos Facet has looked into the future and found trends in Microfinance for 2010 - 2015. Read about the disappearance of the term microfinance, the entrance of new service providers and the future of self help groups, technology and value chain development in microfinance.  
  Trends in Microfinance [490.52 Kb]

Microfinance, (only) for enterprising people?
... a diverse market requires a novel approach...
Author: Klaas Molenaar (TF), November 2008. ISBN/EAN: 978-90-77812-25-9

Microfinance, (only) for enterprising people? That’s the title of the book written by Klaas Molenaar and published by the University of Applied Sciences InHolland. The book was presented during a ceremony where he was installed as professor in Microfinance and Small Enterprise Development. In this book an analysis is given of various developments and trends in the microfinance sector in developing countries and Europe. An assessment is made of the lessons that can be drawn for the development of microfinance in the Netherlands. A special plea is made to pay more attention to the design and development of microfinance services for the (part-time and temporary) self-employed and for people who wish to be engaged in self-employment only to add some income to their wages and/or social welfare benefits. The development of Microcredit 2.0 based on IT and the internet is advocated as well.

If you wish to receive a copy of this book, contact:
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Promoting Ethnic Minority Entrepreneurship in Europe.
Authors: Joep Vonk, Gerrit Ribbink, Triodos Facet, September 2008.

This booklet reports on the state of the art in European policies in the Promotion of Ethnic Minority Entrepreneurs.
The authors freely based the text on a study that was carried out by Triodos Facet and the Institute for Migration and Ethnic Studies (IMES) of the University of Amsterdam (2008) on behalf of the Directorate General enterprise and Industry of the European Commission. The study identified 146 policy measures and 103 professional organizations providing services to ethnic minority entrepreneurs across 32 countries in Europe. From among these policies 12 good practices were analysed in depth. The study showed substantial differences in the spread and nature of such policies over the continent. Although the success of a programme is bound by situation and context specific factors we argue that the European Commission should strive to create a general facility that supports the emergence of country or region specific approaches. Finally, we make a case for mainstreaming measures targeting immigrants with general entrepreneurship programmes. 

 2008. Promoting ethnic minority entrepreneurship in Europe (short) [4.99 Mb]
If you wish to receive a copy of this booklet, contact:
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Microfinance in the Netherlands: Uncharted territory. Opportunities and challenges.
This Triodos Facet study summarizes why microfinance is getting more and more attention in the Netherlands. The study was carried out on behalf of the Ministry of Economic Affairs, with a view to clarify the availability of funding for young and mall-scale entrepreneurs in general, and ethnic entrepreneurs in particular. In course of the study, the question arose how to encourage more people to start their own business when offered microcredit, possibly in combination with training and coaching, and how to involve banks more actively in this process. (2007)

 Microfinance in the Netherlands. [7.64 Mb]
If you wish to receive a copy of this booklet, contact: Cet e-mail est protégé contre les robots collecteurs de mails, votre navigateur doit accepter le Javascript pour le voir

Micro Finanzas en Argentina. Situación y oportunidades de desarrollo.
Authors: Stefan Platteau (TF), Gerrit Ribbink (TF) y Osvaldo Elissetche (EyP).
Triodos Facet (FACET BV), Buenos Aires, Roma. Enero 2006.

In December 2005, Princess Máxima visited Brazil and Argentina in her role as ambassador for the Year of the Microfinance. By way of introduction, Triodos Facet consultants Stefan Platteau and Gerrit Ribbink, together with Osvaldo Elissetche (E&P, Argentina), wrote a paper for Máxima on microfinance in Argentina. This paper has been expanded and published as a booklet to be distributed among donor agencies, microfinance institutions and other relevant organisations.
 Micro Finanzas en Argentina. [658.40 Kb]

Guarantee Funds for Small Enterprises. Manual for guarantee fund managers.
Authors: Klaas Molenaar (TF) and Linda Deelen (ILO).
2004, FACET BV/ ILO Turin, Italy. ISBN 92-2-116033-5
 2004. Guarantee_Fund_Manual [835.54 Kb]

WEZESHA Private-Public Partnership in Dialogue.
The experience of [WEZESHA] Private Sector Development Programme (PSDP) for the Lake Zone, Tanzania (2000-2004). FACET BV & PriceWaterhouseCoopers, 2004.
 2004. FACET & PWC. Wezesha, Tanzania [307.68 Kb]

De overtreffende trap van ondernemen. Good Practices voor Maatschappelijk Verantwoord Ondernemen in Derde Wereldlanden.
Author: Maikel Mahangi, FACET BV/SMO/Fair Trade Organisation.
January 2003, SMO, Den Haag. ISBN 90-6962-197-5
If you wish to receive a copy of this booklet, contact:
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