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   Added: 30 November 2005
   Updated: 02 December 2005
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   Added: 30 November 2005
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Interest Rates and Self-Sufficiency    
        
This study guide was first published as a GEMINI technical note by ACCION International. It was written by Katherine Stearns. It is a straightforward and easy to follow exposition of the role of interest rates from a borrower’s and a lender’s perspective. It explains the differences between nominal, effective and real interest rates and shows how each of these can be calculated. The guide also examines how lenders can establish interest rates and fees structures to ensure self-sufficiency of the institution. The study guide ends with a set of questions and problems which can be worked through to reinforce the points covered in the lessons.

  
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TitleLesson 3: Establishing Interest Rates for Self-Sufficiency
Author/ EditorStearns, K.
Content Language(s)English
Target AudienceFI Managers
Date of Publication/IssueDecember 1991
Abstract / DescriptionSelf sufficient financial institutions need to design an interest rate and fee structure that generates enough income to cover their costs. This lesson explores that process by examining both the cost and income side of the equation. It includes a look at the impact of late payments, loan terms and idle funds on the calculation.
KeywordsINTEREST RATES; FEES
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