Centenary RDB is a commercial bank that provides deposit, credit and money transfer services indiscriminately to men and women of lower income. By insisting on loan recovery and cost coverage, it has reached more men and women in rural areas than any other institution in Uganda. With minimum...

This Conference brings together the financial experience of rural and agricultural microfinance institutions and the experience of the Common Fund and other agencies with promoting commodities and small and micro-entrepreneurs producing, processing and marketing commodities. We expect that this...

By the mid-1970s, in virtually all of Africa, strategies of modernization and technology transfer had clearly failed to initiate self-sustained processes of development. Government intervention and centralized planning had spurred economic disaster, rather than growth. In the world of finance,...

We in the community of microfinance specialists want to help alleviate poverty. We think microfinance is a useful tool. Yet, by bringing these two concerns together, we might be mixing up two diverging ends: one is poverty reduction; the other one the development of a healthy microfinance...

Rajwa is a 50 years old widow in the area of Karak, with five children. Her husband died 10 years ago. In January 2000, she received a collateral-free loan of JD 2,100 (US$ 3,000) from the ACC/IFAD Income Diversification Project, repayable over 8 years. She bought 20 sheep, which have increased...

Policymakers in Syria are seriously concerned (a) about social equality and equal opportunities for women and men; and (b) about the effectiveness of financial institutions in providing adequate services to men, women and youth to fight poverty and reduce unemployment. Considerable social...

Uganda, where 85 % of the population live in rural areas, has experienced a rapid rise of rural and microfinance over the last ten years. There is a pronounced gender awareness in public policities and programs. Best practices have been mastered by institutions in the formal and the NGO sector....

The paper empirically investigates credit access and borrowing costs in Poland's rural financial market. We conduct an econometric analysis based on cross-sectional survey data including formal loans taken in the period 1997-1999. A hedonic regression of the effective interest rate, comprising...

On the basis of portfolio selection theory, this paper finds that whole-farm risk must be regarded as a major reason for the low level of credit flow to agriculture in North-western Kazakhstan. A quadratic programming model was used in order (a) to demonstrate the comparatively high overall risk...

The aim of this paper is to empirically analyse the effects of governmentally promoted credit access on the investment behaviour of credit rationed farmers. This is done by specifying an empirical investment equation which is estimated on a cross-sectional sample of Polish farm household data....