Download or read book Credit Data Collection and Analysis in Small Scale Enterprises Agricultural Lending Operation in Developing Countries written by Orok Ekpo Orok-Duke and published by . This book was released on 2015 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: Data refers to facts, figures or pieces of information. Data will be used synonymously with statistics which may be defined as tabulated numerical facts pertaining to a specific subject or an aspect of it. In all aspect of life, statistical data form the basis of decisions and actions. In small scale enterprises lending statistical data support and fasten appraisal of projects. The lender is also better equipped to render objective advice and commentary on government policies and programme. Nigeria is used as a focus in parts of this research, but most of its contents are applicable to developing countries especially in West Africa. It is the specific objective of this paper to examine the nature, sources, analysis of credit date requirement in small scale enterprises/agricultural leading operations. It is hoped that at the end of this discussion, it will assist officials in financial institutions and agricultural business to have a better understanding of the data problems in their activities and how to deal with them.

Download or read book Credit Guarantee Systems for Agriculture and Rural Enterprise Development written by Rauno Zander and published by Food & Agriculture Organization of the UN (FAO). This book was released on 2013 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines the application and results of guarantee funds for agricultural and rural enterprise development. Through analysis of guarantee funds that have been operational for a long period, the document aims to inform development agencies and policy-makers on current practices and experiences, so that they can apply this information to their decision-making regarding whether or not and/or how best to promote guarantee mechanisms that are effective and sustainable.

Download or read book Small Farmer Credit written by United States. Agency for International Development and published by . This book was released on 1973 with total page 472 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Factors Determining Access to Credit Facilities for Farmers in Cherangany Constituency in Trans Nzoia County written by Isaac Mbugua and published by GRIN Verlag. This book was released on 2018-05-18 with total page 61 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2013 in the subject Business economics - Investment and Finance, , course: Master of Business Adminstration-Finance, language: English, abstract: It has been postulated that access to credit for farmers has been influenced by a number of factors. It is presumed that there exists a relationship between agriculture productivity and poverty alleviation, and hence the critical need to address inadequate credit facilities in rural areas that are a key constraint to farmers’ investments. Given that the major economic function of financial institutions include addressing the restraints imposed by inadequate access to financial services; it is argued that these institutions are well positioned to dealing with these financial constrains among which include access to credit. Literature review in chapter two revealed that access to credit was a challenge facing farmers in various parts of the globe. Studies indicated that a significant proportion of challenges in the farming industry could be alleviated through the provision of sustainable and easily accessible credit. For this study, data was gathered using questionnaires and was analyzed using Ms-Excel and presented using elementary statistical techniques such frequency tables and charts. After analyzing the findings, the researcher drew conclusions and made recommendations. Areas for further studies were identified as well. Research established that collateral, basic loan requirements and interest rates on loans are key determinants to farmer’s access to credit, deficiency in any of the above factors hindered farmers from getting credit. After assessing the findings of the study, the researcher made recommendations aimed at improving and making it easy for farmers to access credit, e.g. coming up with loan products specifically tailored for farmers and opening of rural branches by financial institutions to bring services closer to farmers.

Download or read book Credit for Small Farmers in Developing Countries written by Gordon Donald and published by . This book was released on 1976 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: AID experience with farm credit programs; Why small farmer credit? The role of credit; Financial institutions and policies; Related institutions and policies; Strategies;

Download or read book Studies on Small Business Lending in Developing Countries written by Thomas Gietzen and published by . This book was released on 2017 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Some entrepreneurs in developing countries are unable to finance their ideas. Though many improvements have been made, there is considerable room to better small businesses' access to finance. This dissertation - a collection of four studies on small business lending in developing countries - argues that an ever-increasing amount of data about borrowers and modern technologies, together with a well-guided approach to improve the conditions small business lenders work in, could bring about considerable improvements for small business borrowers and lenders in developing countries. Chapter 1 presents a study on the risk exposure of microfinance institutions to financial risk. The new insights clearly show: The international community's attempts to support microfinance institutions and to ensure their outreach to small business borrowers is not always attuned to the lenders' most pressing financial risks. The studies in Chapters 2, 3 and 4 elucidate how borrower-level data from credit information sharing systems - which is available in increasing quantity and sophistication in many developing countries - changes the way of small business lending. The three chapters shed light on this evolution on three different levels: the effects on a credit market in total; the ability of banks to forecast borrowers' performance; and the way of making credit decisions based on borrower-level data by means of modern data-processing technologies. Chapter 2 tells the story of the introduction of a credit information sharing system in Africa. The difference-in-differences analysis - guided by a theoretical model in the beginning of Chapter 2 - demonstrates: The credit bureau data helps borrowers who built up a positive track-record to signal their creditworthiness to other banks. Thus, the competition for good borrowers in the market increases. Chapter 3 moves from the banking sector-wide analysis to the individual bank. A forecasting exercise for.

Download or read book Credit Reporting Systems and the International Economy written by Margaret J. Miller and published by MIT Press. This book was released on 2003 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first comprehensive review of credit reporting systems worldwide, including their institutional forms and evidence of their impact on financial markets. Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others. This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting.

Download or read book Loan and Investment in a Developing Economy written by Arnis Vilks and published by Cambridge Scholars Publishing. This book was released on 2017-05-11 with total page 385 pages. Available in PDF, EPUB and Kindle. Book excerpt: This collection investigates various issues of investment and credit that are of importance to any developing economy. It uses micro- and macro-economic data from Ethiopia to analyse such topics as determinants of foreign direct investment, of bank credit and trade credit, microfinance and poverty reduction, and rural credit issues. The book applies sophisticated, state-of-the-art statistical techniques to analyse the data and derive policy recommendations. To the extent that the Ethiopian economy shares many features and policy issues with other developing economies, the text will be of interest to academics working in the field of development economics, and also to policy makers and policy analysts in developing countries and in development agencies throughout the world.

Download or read book Undermining Rural Development With Cheap Credit written by Dale W Adams and published by Westview Press. This book was released on 1984-09-13 with total page 342 pages. Available in PDF, EPUB and Kindle. Book excerpt: Conference papers on effect of agricultural credit and rural area financial markets on rural development in developing countries - includes case studies; examines problems with moneylenders; looks at interest rate policies, credit costs and soundness of cheap credit; analyses relationships between politics and financing, incl. The subsidyzing of credit; suggests alternatives such as informal savings mobilisation, credit for rural industries, etc. Graphs, references and statistical tables. Conference held in Washington 1981.

Download or read book Doing Business 2020 written by World Bank and published by World Bank Publications. This book was released on 2019-11-21 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seventeen in a series of annual reports comparing business regulation in 190 economies, Doing Business 2020 measures aspects of regulation affecting 10 areas of everyday business activity.

Download or read book Credit Guarantees written by Michael Gudger and published by Food & Agriculture Org.. This book was released on 1998 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: The problem of collateral is a daily issue for lenders and causes much debate in the development finance community. Given the difficulties experienced in arranging traditional forms of loan security, such as land or chattel mortgages, various collateral substitutes have been proposed. Among the substitutes for traditional collateral is the loan guarantee. Guarantee systems for loans have been proposed, planned and implemented in various countries. The assumption made by proponents of such a service is that the guarantee organization is either better informed about the risk of the loan than the lender or it is better structured financially to be able to manage the risk. Despite the apparent attractiveness of a loan guarantee, the empirical evidence available gives little encouragement. Nevertheless, interest in guarantees continues.

Download or read book The Big Business of Small Enterprises written by World Bank and published by World Bank Publications. This book was released on 2015-02-13 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: The World Bank Group promotes small and medium enterprise (SME) growth through both systemic and targeted interventions. Targeting means focusing benefits on one size-class of firms to the exclusion of others. Targeted support for SMEs is a big business for the World Bank Group, averaging around $3 billion a year in commitments, expenditures, and gross exposure over the 2006-12 period. In the context of broader reforms, such targeted support can be a powerful tool. Targeting SMEs is not an end in itself, but a means to create economies that can employ more people and create more opportunity for citizens to achieve prosperity. A thriving and growing SME sector is associated with rapidly growing economies. A central challenge is to level the economic playing field by ensuring dynamic markets; strengthening market-support institutions; and removing constraints to participation. IEG found that financial sector development can have both a pro-growth and pro-poor impact by alleviating SMEs' financing constraints, enabling new entry of firms and entrepreneurs and better resource allocation. Layered on top of this are targeted forms of assistance; these interventions may build on a foundation of more systemic reforms, may come in tandem with them, or may in fact be a means to build systemic reforms from the bottom up. Any credible justification of targeted support to SMEs must be focused on establishing well-functioning markets and institutions, not simply providing a temporary supply of benefits to a small group of firms during a project's lifespan. Thus, targeted interventions need to leverage resources to produce broader benefits for institutions and markets. To make targeted support for SMEs more effective, the World Bank Group needs to do several things: Clarify its approach to targeted support to SMEs; Enhance the support's relevance and additionality; Institute a tailored research agenda; Strengthen guidance and quality control for such support; Reform MIGA s Small Investment Program.

Download or read book Reaching Small Borrowers in Developing Countries written by Nimal Fernando and published by National Centre for Development Studies Research S Acific St. This book was released on 1991 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Challenges of Lending to the Poor written by Naison Zumbika and published by . This book was released on 2000 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: Highlights the main characteristics of smallholder credit systems in Zimbabwe for the period 1980 to 1999.

Download or read book Global Financial Development Report 2014 written by World Bank Group and published by World Bank Publications. This book was released on 2013-11-07 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: The second issue in a new series, Global Financial Development Report 2014 takes a step back and re-examines financial inclusion from the perspective of new global datasets and new evidence. It builds on a critical mass of new research and operational work produced by World Bank Group staff as well as outside researchers and contributors.

Download or read book Some Aspects Of Agricultural Credit In A Developing Economy written by Sarbajit Chaudhuri and published by Serials Publications. This book was released on 2004 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Papers In This Volume Seek To Focus Through Rigorous Mathematical Models On Some Important Aspects Of Rural Economy In The Late Developing Countries. The Emphasis Is On Filling In The Gaps In The Existing Theoretical Literature On Rural Markets In These Countries By Constructing Models, Which Are More Realistic And Free From The Disquieting Features Of The Existing Models In This Field. The Models In This Volume Have Been Built Around The Typical Environmental And Socio-Economic Conditions As Well As Behaviour Patterns In The Less Developed Countries E.G., Price Uncertainty In The Product Market, Production Uncertainty, Crop Insurance Scheme Of The Government, Delay In The Disbursement Of Formal Credit, Price And Credit Subsidy Policies Of The Government Etc. The Principal-Agent Framework And Game Theory Have Been Pressed Into Service Where Necessary. The Book Presents, Inter Alia, Two Models On Credit-Product Interlinkage, One Model On Interlinked Credit-Share Tenancy Contract, And Three Models On Interaction Between Formal And Informal Credit Markets. A New Theory Of Interest Rate Determination In The Informal Credit Market Has Also Been Provide, Which Can Explain The Prevalence Of High Interest Rate In That Market. The Effects Of Price And Credit Subsidy Policies On The Productivity Of Farmer S Land And Alternative Ways Of Formulating A Credit Subsidy Policy Have Been Studied. Finally, There Is An Empirical Analysis Of The Flow Of Formal Credit To Farmers Based On A Survey Of Two Selected Villages In West Bengal, India.

Download or read book Working with Smallholders written by World Bank and published by World Bank Publications. This book was released on 2023-11-09 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Smallholder farmers are the stewards of more than 80 percent of the world's farms. These small family businesses produce about one-third of the world's food. In Africa and Asia, smallholders dominate the production of food crops, as well as export commodities such as cocoa, coffee, and cotton. However, smallholders and farm workers remain among the poorest segments of the population, and they are on the frontline of climate change. Smallholder farmers face constraints in accessing inputs, finance, knowledge, technology, labor, and markets. Raising farm-level productivity in a sustainable way is a key development priority. Agribusinesses are increasingly working with smallholder farmers in low- and middle-income countries to secure agricultural commodities. More productive smallholders boost rural incomes and economic growth, as well as reduce poverty. Smallholders also represent a growing underserved market for farm inputs, information, and financial services. Working with Smallholders: A Handbook for Firms Building Sustainable Supply Chains (third edition) shows agribusinesses how to engage more effectively with smallholders and to develop sustainable, resilient, and productive supply chains. The book compiles practical solutions and cutting-edge ideas to overcome the challenges facing smallholders. This third edition is substantially revised from the second edition and incorporates new material on the potential for digital technologies and sustainable farming. This handbook is written principally to outline opportunities for the private sector. The content may also be useful to the staffs of governmental or nongovernmental development programs working with smallholders, as well as to academic and research institutions."--