( 2004) 6, 2002 (), , ? , . , , . , (), . , ; ; , , . . , - . , , , , . , ? , . · $25, 0.25 % $10,000, 25% $100. · , , . . ? , , , , , . , . · , . $100 3 6 % , $12.23. , , 6% 3.4 % . · , , , , . , , , 117 847 . · , . , 10%. " 5/6" ­ 5 , , 6 . 20% . ? , ? . - , . , , . "", . · , . CGAP 1818 H Street, NW Washington, DC 20433 Tel: 202 473 9594 Fax: 202 522 3744 E-mail: cgap@worldbank.org Web: www.cgap.org CGAP c/o The World Bank 66, avenue d'Iena 75116 Paris FRANCE · , . , , , . · , . , . , ? . · () . 148 , , , , , , .. ( ) 18.9 %* 31.6 %* 20.1 % 43.4 % 23.3 % 48.2 % 38.2 % * . · , . BancoSol 50 24%. , . ? · . . , , . · . . , , , , . · . . , . · (, , ). . . . · (, , , ). , ; , . : . -, CGAP . /: CGAP , (Wash., D.C: CGAP, 2001); / , : (Wash, D.C: , 1995); " ," 8.30 ( 1998); , : (London: IntermediateTech- nology Publications, 1998); , 7 ( 2001); , " " (CGAP 1, 1996); . : , I (Wash., DC: 2001). : www.microbanking-mbb.org, www.cgap.org/html/p_occasional_papers01.html. CGAP: - bhelms@worldbank.org - alatortue@worldbank.org ­ ngoronja@worldbank.org