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13




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       http://www.cgap.org/p/site/c/template.rc/1.9.36521/; http://www.microsave.org/toolkit/loan-portfolio-audit-toolkit 19
15




                            
      .                  20.  
                           
             ·               .
           
                             
                              
          .            .     
                          
                    .        
                              
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                      .    
                          




                  .      1999          20
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     cgap@worldbank.org
          CGAP, 2010 ©




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                                                                                                              .
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                                                  :        
                                 :  .61     ."      " .2010 .                                                                                               
                                                             ./