Thumbnail Image

Prudential regulation and supervision for agricultural finance








Also available in:

Related items

Showing items related by metadata.

  • Thumbnail Image
    Book (stand-alone)
    Safeguarding deposits: Learning from experience 1997
    Also available in:
    No results found.

    Saving is a fundamental human activity and savings can take many forms. This publication, however, is concerned only with money deposited for the joint purposes of earning a return and security. Individuals and societies vary in the extent to which they save in the form of money. They differ as well in the basic motivation for the saving process. Motives, in general, are composite and include: saving as a store of value, saving for future contingencies and saving in the sense of accu mulation for future investment. When saving deposits are made, then the savings instrument itself is also viewed as an income-generating investment. Different individuals vary as to which motive or mix of motives is applicable. Despite differences in the motivations of savers, one expectation is common to all. The issue of the safety of the deposits is vital. This book addresses some of the issues involved in ensuring that the savings deposits of the public are secure. It highlights the key roles played by an appropriate regulatory environment, by depositor education and, above all, by sound management of financial intermediaries. In addition, it outlines the points for and against risk management mechanisms such as deposit insurance and also outlines rehabilitation measures which can be taken following a bank crisis.
  • Thumbnail Image
    Book (series)
    Enhancing farmer's financial management skills 1999
    Also available in:

    This is the last of the six volumes making up the series “Agricultural Finance – Revisited”. Although last, in many ways this is the most important, for the improvement of skills in managing money, and especially in handling financial intermediation, lies at the core of successful investment in rural areas, both on and off the farm. The book examines the various measures open to concerned authorities to improve financial management. It attempts to do this all the way from school sa vings clubs for young children, to supportive actions geared to adult saving/investing/borrowing bank clients. Whilst attempting to be comprehensive in describing various techniques and approaches, it stops short of recommending client training on the part of banks. Whereas it is known that some such training takes place, it is considered that this is generally too expensive a procedure for most financial intermediaries. An exception could be in those cases where sensitization camp aigns are especially geared to understanding a particular savings or loan product, and the benefits it conveys.
  • Thumbnail Image
    Document
    Romania: Bank Lending to Small and Medium Sized Enterprises in Rural areas; an Analysis of Supply and Demand
    Report N. 9 - January 2005
    2005
    Also available in:
    No results found.

    The economic situation in Romania has improved over the last years and starting in 2001 the growth rate averaged some 5 percent per year. Also the development of the financial sector has gathered pace and domestic and foreign direct investments, in view of the country’s accession to the EU in 2007, are rapidly picking up. These favourable trends, however, are far from being evenly distributed over the territory: Bucharest and a few other big towns in more favourable regions account for the bulk of the growth, while a large part of the country’s economic potential, representing small cities and rural communities, is not fully utilized. One of the reasons that financial resources allocated to rural areas remain under-utilized is the inadequacy of financial services to match the needs of local business, notwithstanding the number of specially designed financing programs in this respect. This publication is part of report series published under the FAO Investment Centre/European Bank f or Reconstruction and Development Cooperation Programme. The series presents sector reviews and studies undertaken in Central and Eastern Europe that cover development issues and innovative areas to increase investment in agriculture in the region. Romania's entry into the European Union in 2007 is expected to have a significant impact on the country's small and medium sized enterprises (SMEs) operating in rural areas. EBRD's Financial Institutions team, together with its Agribusiness team, h as developed a Facility to mix EU grant and EBRD loans in favour of rural SMEs in EU accession countries. EBRD called upon FAO's expertise to review lending opportunities in Romania's rural sector. This report was prepared to put forward recommendations to EBRD and local financial intermediaries, on which clients the EU/EBRD Facility should focus and on the types of financial products required to serve these new clients. The analysis can be used by other local or international financial institut ions interested in rural credit.

Users also downloaded

Showing related downloaded files

No results found.