Página 1 dos resultados de 1346 itens digitais encontrados em 0.119 segundos
Timor Leste : Access to Finance for Investment and Working Capital
Fonte: World Bank, Washington, DC
Publicador: World Bank, Washington, DC
EN_US
Relevância na Pesquisa
66.06%
#ACCEPTABLE COLLATERAL#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCOUNTING#ADB#AFFILIATES#ARREARS#AUDITING#AVAILABILITY OF CREDIT#BALANCE SHEETS#BANK CHARGES
This study argues the need for a policy
environment supporting both urban informal sector dynamism
and rapid transition from subsistence to monetization in
agriculture. Such policies must include measures
facilitating access to financial services for households,
which are the backbone of the informal and subsistence
economies. The economy of Timor-Leste is divided between a
farm sector in which as many of 80 percent of workers
remain, with most of these still dependent on subsistence
production, and a non-farm sector in which micro- and small
enterprises are an overwhelming majority. Most urban
enterprises operate in an informal environment, while in
both the farm and non-farm sectors the household is the
basic unit of economic activity.
Link permanente para citações:
Financial Access 2009 : Measuring Access to Financial Services around the World
Fonte: Consultative Group to Assist the Poor/The World Bank, Washington, DC
Publicador: Consultative Group to Assist the Poor/The World Bank, Washington, DC
EN_US
Relevância na Pesquisa
86.09%
#ACCESS POINT#ACCESS POINTS#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCESS TO SAVING#ACCESS TO SAVINGS#ACCOUNT HOLDERS#ACCOUNT OWNERSHIP#ACCOUNTING#ADMINISTRATIVE COSTS
Financial Access 2009 introduces the
latest data from a survey of financial regulators in 139
countries. It presents indicators of access to savings,
credit, and payment services in banks, and in regulated
nonbank financial institutions. It is intended for a broad
audience of policymakers, researchers, practitioners,
multilateral and bilateral investors, in order to guide
monetary policy, monitor systemic risks, and collect
information on the values of deposits and credit. This
report reviews three interventions: disclosure requirements,
interest rate caps, and methods to address excessive lending
that can result in consumer indebtedness. Improved
transparency and disclosure allow borrowers to make informed
choices and can facilitate competition in financial markets,
eventually leading to lower prices and improved products.
Policies to restrict interest rates or credit quantity,
especially in consumer credit, seem to have limited effect
but require further analysis.
Link permanente para citações:
Bank Lending to Small and Medium Enterprises : The Republic of Serbia
Fonte: Washington, DC
Publicador: Washington, DC
EN_US
Relevância na Pesquisa
66.11%
#ACCEPTABLE COLLATERAL#ACCESS POINTS#ACCESS TO BANKING#ACCESS TO BANKING SERVICES#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCOUNTING#ADVISORY SERVICES#AGRICULTURAL BANK#AMOUNT OF CREDIT#APPROVAL PROCESSES
This report presents findings of a study
of Bank lending to small and medium enterprises (SME) in
Serbia. The study uses methodology developed by the Bank
and already used in a number of studies in South America.
The study is based on answers to standard questionnaires and
detailed on-site interviews with eight banks. The
interviewed banks are the most active in SME lending in
Serbia and account for about 70 percent of the total market.
Banks are currently offering a fairly broad range of both
tailored and standardized products and are increasingly
flexible with product pricing. This includes checking,
savings and time deposit accounts; export and import loans;
overdrafts for working capital and investment loans;
business credit cards; various types of payment services;
Internet and phone banking. The report is organized as
follows: section two describes the banking sector and
markets in Serbia, reviews definition of SMEs and provides
key characteristics of the SME finance market in Serbia.
Section three discusses details of SME access to finance. It
describes the drivers and obstacles...
Link permanente para citações:
Niger - Rural Financial Services : Expanding Financial Access to the Rural Poor
Fonte: Washington, DC
Publicador: Washington, DC
EN_US
Relevância na Pesquisa
66.05%
#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCESS TO FINANCING#ACCESS TO LOANS#ACCESS TO RURAL FINANCE#ACCOUNTING#AGRICULTURAL ACTIVITIES#AGRICULTURAL BANK#AGRICULTURAL COOPERATIVES#AGRICULTURAL CREDIT
The main objective of this study is to
identify the major impediments to access to financial
services in rural areas, and provide practical
recommendations to address the identified problems. The
study aims to inform on rural finance policies and
innovative instruments by examining both supply and demand
sides including an identification of non-financial issues
that restrict development of the rural financial sector.
Addressing the lack of rural access to financial services in
the Niger development process continues to figure
prominently on the Government agenda without, however, a
systematic action plan and strategy. Adopting ad hoc
solutions (such as the creation of an agricultural
development bank) without addressing the structural issues
that limit access to financial services will, unfortunately,
not yield any positive long lasting results.
Link permanente para citações:
Financial Sector Assessment Program : Malawi - Access to Financial Services
Fonte: World Bank, Washington, DC
Publicador: World Bank, Washington, DC
EN_US
Relevância na Pesquisa
66.11%
#ACCESS BARRIERS#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCOUNTING#ACCURATE INFORMATION#ADVISORY SERVICES#AFFORDABILITY#AFFORDABLE PRICE#AGRICULTURAL PRODUCTS#ANTI-MONEY LAUNDERING
This technical note the Malawi 2007
Financial Sector Assessment Program (FSAP) reviews the
current challenges of increasing access to financial
services in Malawi. After a cursory assessment of the state
of the financial sector in chapter one, it summarizes the
key challenges of rural financial sector development
(chapter two); then discusses the opportunities that
branchless banking technology offers (chapter three), the
options for strengthening the financial infrastructure
(chapter four) and the role of government in increasing
access (chapter five). It concludes with recommendations on
how authorities may seek to realize these opportunities
(chapter six).
Link permanente para citações:
Financial Inclusion for Financial Stability : Access to Bank Deposits and the Growth of Deposits in the Global Financial Crisis
Fonte: World Bank, Washington, DC
Publicador: World Bank, Washington, DC
EN_US
Relevância na Pesquisa
66.13%
#ACCESS TO BANK#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCESS TO SAVINGS#ACCOUNTING#ACCOUNTING STANDARDS#BANK ACCOUNT#BANK ACCOUNTS#BANK COMPETITION#BANK CONCENTRATION
In crisis times, depositors get anxious,
can run on banks, and withdraw their deposits. Correlated
withdrawals of bank deposits could be mitigated if bank
deposits are more diversified, that is, held by more
individuals. This paper examines the link between the
broader access to bank deposits prior to the 2008 crisis and
the dynamics of bank deposit growth during the crisis, while
controlling for relevant covariates. Employing proxies for
access to deposits and the use of bank deposits, the authors
find that greater access to bank deposits can make the
deposit funding base of banks more resilient in times of
financial stress. Policy efforts to enhance financial
stability should thus not only focus on macroprudential
regulation, but also recognize the positive effect of
broader access to bank deposits on financial stability.
Link permanente para citações:
The Transmission of Banking Crises to Households : Lessons from the 2008-2011 Crises in the ECA Region
Fonte: World Bank, Washington, D.C.
Publicador: World Bank, Washington, D.C.
EN_US
Relevância na Pesquisa
66.13%
#Access to Bank#access to banking#access to banking services#access to credit#access to finance#access to formal credit#agricultural activities#agricultural products#agricultural sector#agricultural sectors#amount of loan
This paper examines the impact of the recent banking crises in Europe and Central Asia with an emphasis on household income and consumption patterns. The analysis is based on the 2010 wave of the Life in Transition Survey, which covers 12,704 households in eleven countries that experienced a banking crisis between 2008 and 2011. It finds that households in middle-income crisis countries are more than twice as likely to be hit by an income shock as households in high-income crisis countries. The labor market channel is the predominant source of income shocks, with wage reductions more widespread than job-losses. In reaction to income shocks, households reallocate spending from non-essential goods to staple foods. Reductions in staple-food consumption are, however, prevalent among low-income households. The paper examines potential crisis mitigators and finds that at the macro level a flexible monetary regime is associated with fewer cutbacks in household consumption. At the meso level, it finds no evidence that foreign bank ownership amplified the transmission of banking crises to households in Europe. With respect to micro-level mitigators, the analysis finds that diversified income sources as well as stocks of non-financial and financial assets help households to cushion income shocks. Access to informal and formal credit also mitigates the impact of income shocks on household consumption...
Link permanente para citações:
Access to Financial Services : A Review of the Issues and Public Policy Objectives
Fonte: Oxford University Press on behalf of the World Bank
Publicador: Oxford University Press on behalf of the World Bank
Tipo: Artigo de Revista Científica
EN_US
Relevância na Pesquisa
66.09%
#ABSENCE OF CREDIT#ACCESS BARRIERS#ACCESS TO BANK ACCOUNTS#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCESS TO FINANCING#ACCESS TO INTERNATIONAL MARKETS#ACCESS TO PAYMENTS#ACCOUNT OWNERS#ADMINISTRATIVE BURDENS
This article reviews the evidence on the
importance of finance for economic well-being. It provides
data on the use of basic financial services by households
and firms across a sample of countries, assesses the
desirability of universal access, and provides an overview
of the macroeconomic, legal, and regulatory obstacles to
access. Despite the benefits of finance, the data show that
use of financial services is far from universal in many
countries, especially developing countries. Universal access
to financial services has not been a public policy objective
in most countries and would likely be difficult to achieve.
Countries can, however, facilitate access to financial
services by strengthening institutional infrastructure,
liberalizing markets and facilitating greater competition,
and encouraging innovative use of know-how and technology.
Government interventions to directly broaden access to
finance, however, are costly and fraught with risks, among
others the risk of missing the targeted groups. The article
concludes with recommendations for global actions aimed at
improving data on access and use and suggestions on areas of
further analysis to identify constraints to broadening access.
Link permanente para citações:
Barriers to Access to Payment Systems and Proposed Actions : Special-Purpose Note
Fonte: World Bank, Washington, DC
Publicador: World Bank, Washington, DC
EN_US
Relevância na Pesquisa
66.06%
#ACCESS TO BANK#ACCESS TO PAYMENT#ACCESS TO PAYMENT SERVICES#ACCESS TO PAYMENT SYSTEMS#ANTI-MONEY LAUNDERING#ATM#AUDITING#AUDITING INDUSTRY#AUDITS#AUTHORIZATION#AUTHORIZED ENTITIES
This paper analyzes the difficulties for
nonbank RSPs in their indirect access to the domestic
payment system infrastructure. It presents the background
(section three) and the current situation, giving examples
from a few key sending markets (section four). The main
factors underlying the current situation are outlined
(section five), and several potential pragmatic solutions
are presented as a basis for further discussion along with
implementable action plans (section six). The paper
concludes with possible next steps (section seven).
Link permanente para citações:
Scaling-Up SME Access to Financial Services in the Developing World
Fonte: Washington, DC
Publicador: Washington, DC
Tipo: Trabalho em Andamento
EN_US
Relevância na Pesquisa
66.03%
#ACCESS INDICATORS#ACCESS TO BANK LOANS#ACCESS TO CAPITAL#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCESS TO FINANCING#ACCOUNTS RECEIVABLES#ALTERNATIVE FINANCING#ALTERNATIVE INVESTMENT#ANGEL INVESTORS
Small and medium enterprises (SMEs) play
a major role in economic development, particularly in
emerging countries. Access to finance remains a key
constraint to SME development in emerging economies. Closing
the credit gap for formal SMEs will be less daunting than
for informal SMEs. The SME finance gap is the result of a
mismatch between the needs of the small firms and the supply
of financial services, which typically are easier for larger
firms to access. Deficiencies in the enabling environment
and residual market failures have motivated government
interventions to foster SME access to financing. The
stocktaking exercise confirms the rise in various parts of
the world of specific business models aimed at providing
financial services to SMEs in a cost-effective manner.
Effective SME financing models can be implemented in
different country and market environments, but greater
outreach is achieved in the most developed environments for
the financial sector. Although SME banking and microfinance
models are successfully being rolled out in an increasing
number of countries and regions...
Link permanente para citações:
Migrants’ Remittances from the United Kingdom; International Remittances and Access to Financial Services for Migrants in London, UK, A Greenback 2.0 Report
Fonte: World Bank, Washington, DC
Publicador: World Bank, Washington, DC
Tipo: Report; Economic & Sector Work; Economic & Sector Work :: Other Financial Sector Study
ENGLISH; EN_US
Relevância na Pesquisa
66.1%
#NEW MARKET#BUSINESS OWNERS#TOTAL COST#DEPOSIT#FINANCIAL SERVICES#SOURCES OF INCOME#CREDIT CARDS#DEVELOPMENT ASSISTANCE#PEOPLE#FINANCING#INCOME
This report will share key findings from
the research, starting with an overview in section two of
the international remittance context and the UK remittance
market. It also provides a view on trends in the UK market,
particularly in the wake of significant bank de-risking,
leading many remittance service providers (RSPs) to seek out
alternative banking solutions. Section three outlines the
objectives of the research, the survey design and the
sampling techniques for the fieldwork. This is followed by
Section 4, which presents the empirical findings of the 602
interviews collected. It begins with demographic and
economic characteristics of the participants before focusing
on migrants’ attitudes and behaviors regarding remittance
sending, using financial services, and savings and
investment. Given the current environment for remittance
service providers in the UK (and in several other countries)
and the global commitment to reducing remittance costs,
there is a focus on the service providers used and the costs
incurred. Finally...
Link permanente para citações:
How Bank Competition Affects Firms' Access to Finance
Fonte: World Bank, Washington, DC
Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Policy Research Working Paper; Publications & Research
ENGLISH; EN_US
Relevância na Pesquisa
66.09%
#ACCESS TO BANK#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCESSIBILITY#ACCOUNTS RECEIVABLE#ADVERSE SELECTION#AVAILABILITY OF CREDIT#AVAILABILITY OF FINANCE#BAILOUTS#BALANCE SHEET#BANK ASSETS
Combining multi-year, firm-level surveys
with country-level panel data for 53 countries, the authors
explore the impact of bank competition on firms' access
to finance. They find that low competition, as measured by
high values of the Lerner index, diminishes firms'
access to finance, while commonly-used bank concentration
measures are not robust predictors of firms' access to
finance. In addition, they find that the impact of
competition on access to finance depends on the environment
that banks operate in. Some features of the environment,
such as greater financial development and better credit
information, can mitigate the damaging impact of low
competition. But other characteristics, such as high
government bank ownership, can exacerbate the negative effect.
Link permanente para citações:
Access to Financial Services and the Financial Inclusion Agenda around the World : A Cross-Country Analysis with a New Data Set
Fonte: Banco Mundial
Publicador: Banco Mundial
Tipo: Publications & Research :: Policy Research Working Paper
ENGLISH
Relevância na Pesquisa
66.08%
#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCESS TO SAVING#AFFORDABLE FINANCIAL SERVICES#ATM#ATM NETWORK#ATMS#BALANCE SHEETS#BANK ACCESS#BANK ACCOUNT
Recent empirical evidence highlights
that access to basic financial services can make a
substantial positive difference in improving poor
people's lives. Accordingly, financial sector reforms
that promote financial inclusion are increasingly at the
core of policymakers agendas. The Consultative Group to
Assist the Poor and the World Bank Group, in response,
launched the Financial Access project, including a
cross-country database on financial inclusion topics and an
annual report to inform the policy debate. Using this
database, this paper (i) counts the number of unbanked
adults around the world at 56 percent, (ii) analyzes the
state of access to deposit and loan services as well as the
extent of retail networks, and (iii) discusses the state of
financial inclusion mandates around the world.
Link permanente para citações:
Ready for Growth : Solutions to Increase Access to Finance for Women-Owned Businesses in the Middle East and North Africa
Fonte: Washington, DC
Publicador: Washington, DC
Tipo: Publications & Research; Publications & Research :: Working Paper
ENGLISH; EN_US
Relevância na Pesquisa
66.06%
#ACCESS TO CAPITAL#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCESS TO FINANCING#ACCESS TO INFORMATION#ACCESS TO SERVICES#ACCESS TO TRAINING#ADVANCEMENT OF WOMEN#ADVISORY SERVICES#ANGEL INVESTORS#APPROVAL PROCESS
The Middle East and North Africa (MENA)
region is at one of the most critical turning points in its
modern history. The Arab spring was driven by the desire for
economic opportunity and justice in the face of poverty and
unemployment. The development of strong economies that
enable both women and men to enhance their livelihoods is
crucial for the future of the region. The growth and success
of women-owned businesses is one of the most profound
changes in the business world today. There is no doubt that
women are an emerging market force. However, many
businesswomen are not accessing commercial credit, an
essential driver of business success. Lack of access to
finance and financial services is repeatedly identified as
the major constraint for women business owners. This report
'ready for growth: solutions to increase access to
finance for women-owned business in the Middle East and
North Africa', is designed to shed a light on those
barriers. It is the result of a unique International Finance
Corporation (IFC) partnership with vital voices and the
Middle East and North Africa Businesswomen's Network
(MENA BWN). Its purpose is to fill a critical gap in our
knowledge of what women-owned businesses need in terms of
financial products and services. Building on our knowledge
of how commercial banks currently reach the women's
market...
Link permanente para citações:
The Role of Postal Networks in Expanding Access to Financial Services : Kazakhstan's Postal Finance Services
Fonte: Washington, DC
Publicador: Washington, DC
Tipo: Economic & Sector Work :: Other Public Sector Study; Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
66.06%
#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCESS TO INFORMATION#ACCOUNTABILITY#ACCOUNTING#ACCOUNTING STANDARDS#ACCOUNTS FOR INDIVIDUALS#ACCOUNTS RECEIVABLE#AUTOMATED TELLER MACHINES#BALANCE SHEET#BALANCE SHEETS
This paper discusses the role of the
postal network in expanding access to financial services in
Kazakhstan. It reviews the public postal operator within the
postal sector and within the broader context of the
communications sector. The roles of the postal network and
state and privately-owned banks are also reviewed from the
perspective of the financial sector development, with
particular focus on payments systems development and
microfinance. While this country case on Kazakhstan can
stand alone, it is an integral part of this large study of
the potential of postal networks to coordinate with
financial service providers in 7 countries (Egypt,
Kazakhstan, Namibia, Romania, Sri Lanka, Uganda, and
Vietnam) and 5 regions (Africa, Asia, Eastern Europe and
Central Asia, Latin America and the Caribbean, and the
Middle East and Northern Africa). Within Central Asia and
the other countries of the former Soviet Union,
Kazakhstan's postal network is widely regarded as a
leader and pioneer in postal innovation, setting an example
for other postal operators in the region. An in-depth
assessment of Kazakhstan's postal network development
options could also be a model to guide other postal networks.
Link permanente para citações:
Vietnam - The Role of Postal Networks in Expanding Access to Financial Services Country case : Vietnam's postal finance services
Fonte: Washington, DC
Publicador: Washington, DC
Tipo: Economic & Sector Work :: Other Public Sector Study; Economic & Sector Work
ENGLISH; EN_US
Relevância na Pesquisa
66.04%
#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICE#ACCESS TO FINANCIAL SERVICES#ACCESS TO TELEPHONE#ACCOUNT HOLDERS#ACCOUNTING#AMOUNT OF FUNDS#ASSET MANAGEMENT#ATM NETWORKS#BANK BRANCHES#BANK PAYMENT
This paper discusses the role of the
postal network in expanding access to financial services in
Vietnam. It reviews the public postal operator within the
postal sector and within the broader context of the
communications sector. The roles of the Vietnam postal
network and post bank are also reviewed from the perspective
of the financial sector development, with particular focus
on payments systems development and micro finance. While
this country case on Vietnam can stand alone, it is an
integral part of this large study of the potential of postal
networks to coordinate with financial service providers in 7
countries (Egypt, Kazakhstan, Namibia, Romania, Sri Lanka,
Uganda, and Vietnam) and 5 regions (Africa, Asia, Eastern
Europe and Central Asia, Latin America and the Caribbean,
and the Middle East and Northern Africa). Five years after
its introduction, the Vietnamese Postal Savings Corporation
(VPSC) can look back on an impressive record of successes.
With its 920 post offices (of 3,000), VPSC operates the
second-largest financial service network in the country. It
developed as a channel for mobilizing small household
deposits...
Link permanente para citações:
Improving Access to Banking : Evidence from Kenya
Fonte: World Bank, Washington, DC
Publicador: World Bank, Washington, DC
Tipo: Publications & Research :: Policy Research Working Paper; Publications & Research
ENGLISH; EN_US
Relevância na Pesquisa
96.14%
#ACCESS TO BANK#ACCESS TO BANK ACCOUNTS#ACCESS TO BANKING#ACCESS TO BANKING SERVICES#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCOUNT OWNERS#ACCOUNT USAGE#ADVANCED ECONOMIES#ASSET OWNERSHIP
Using household surveys and bank
penetration data at the district-level in 2006 and 2009,
this paper examines the impact of Equity Bank -- a leading
private commercial bank focusing on microfinance -- on
access to banking in Kenya. Unlike other commercial banks in
Kenya, Equity Bank pursues distinct branching strategies
that target underserved areas and less-privileged
households. Equity Bank presence has a positive and
significant impact on households' use of bank accounts
and bank credit, especially for Kenyans with low income, no
salaried job, and less education and those who do not own
their own home. The findings are robust to using the
district-level proportion of people speaking a minority
language as an instrument for Equity Bank presence. It
appears that Equity Bank's business model -- providing
financial services to population segments typically ignored
by traditional commercial banks and generating sustainable
profits in the process -- can be a solution to the financial
access problem that has hindered the development of
inclusive financial sectors in many African countries.
Link permanente para citações:
Bringing Finance to Pakistan's Poor : Access to Finance for Small Enterprises and the Underserved
Fonte: Washington, DC: World Bank
Publicador: Washington, DC: World Bank
Tipo: Publications & Research :: Publication; Publications & Research
EN_US
Relevância na Pesquisa
76.07%
#Finance#Access to Banking#Access to Finance#access to financial services#Access to Financing#access to formal finance#access to services#accessibility#account holders#agricultural banks#agricultural credit
Access to financing is now widely acknowledged as a path to meaningful economic inclusion and reduction in poverty. Policy efforts to increase access to finance in Pakistan have taken time to bear fruit, but now access is indeed expanding quickly in certain financial sectors (microfinance, remittances), albeit from a very low base. Nevertheless, policy measures cannot single-handedly increase financial access; financial institutions' willingness to expand access in Pakistan has been stinted by slow technologic advances, weak legal foundations, and unsuitable financial processes and products. Poor socioeconomic conditions, gender bias, and low levels of basic education and financial literacy remain barriers, but perhaps the single strongest driver of low demand for financial access has been income. The primary purpose of this study is to measure and describe the state of financial service provision to underserved segments of the market in Pakistan, particularly those with low incomes and small enterprises, and to identify ways to improve investment and create inclusive markets that meet the needs of underserved people and enterprises.
Link permanente para citações:
Banking the Poor : Measuring Banking Access in 54 Economies
Fonte: Washington, DC
Publicador: Washington, DC
Tipo: Publications & Research :: Publication; Publications & Research
EN_US
Relevância na Pesquisa
66.16%
#Access to account#access to banking#access to banking services#access to credit#access to finance#accessibility#account holders#account maintenance#Accountability#accounting#application procedures
Banking the Poor presents new data collected from two sources: central banks, and leading commercial banks in each surveyed country. It explores associations between countries' banking policies and practices, and their levels of financial access measured in terms of the numbers of bank accounts per thousand adults. It builds on the previous work of measuring financial access through information obtained from regulators, banks, and household surveys. It explores associations between countries' banking policies and practices, and their levels of financial access, measured in terms of the numbers of bank accounts per thousand adults. The extent to which people are banked depends primarily on how wealthy they are. Even in the poorest countries, rich urban customers get access to good banking. Although there are a range of financial services used by the poorest, these are usually provided outside the formal banking system. Banks are used by those above this threshold, usually by salaried employees who have the steady income. Naturally banks are more likely to seek out users with a steady, predicatable income. Expanding credit for enterprises leads to the creation of a salaried class that wants to bank: this is the primary way to increase bank access. While bank clients make up the largest part of those using financial services in most countries...
Link permanente para citações:
Cambodia : Study on Access to Financial Services for Small and Medium Agribusiness Enterprises in Cambodia
Fonte: Washington, DC
Publicador: Washington, DC
Tipo: Economic & Sector Work :: Other Financial Sector Study
ENGLISH; EN_US
Relevância na Pesquisa
66.04%
#ACCESS TO CREDIT#ACCESS TO FINANCE#ACCESS TO FINANCIAL SERVICES#ACCOUNT HOLDERS#ACCOUNTING#ACCOUNTING STANDARDS#ACCOUNTING SYSTEMS#ACCOUNTS RECEIVABLE#ADVISORY SERVICES#AFFORDABILITY#AGRICULTURAL COMMODITIES
Agriculture has been a mainstay of the
Cambodian economy. It has seen significant growth throughout
the 2000s and showed a significant resilience against
external shocks during the 2008-09 economic and financial
crises. Agribusiness enterprises do not operate in isolation
from the rest of the economy. The state of production of
agricultural raw materials, the state of the financial
sector, and the nature of the financial sector's
engagement with the real sector activities, as well as
broader issues that affect private sector development all
impact the development of the agribusiness sector. The
current study seeks to analyze some of these linkages. It
focuses specifically on the role the financial sector has
played in the growth and development of the agribusiness
sector. The study builds on the existing analytical work on
agricultural and small and medium enterprise (SME) finance
in Cambodia. The study was carried out in three major
phases. The first phase was to determine a methodology to
gather new information on linkages between agribusinesses
and financial institutions. The second phase involved a
survey of financial institutions (banks...
Link permanente para citações: