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Term Financing in Agriculture: A Review of Relevant Experiences (Volume I - Main Report, Volume II - Case Studies, Executive Summary)

Occasional Paper N. 14 - October 2003










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    Book (stand-alone)
    Microfinance and forest-based small-scale enterprises 2005
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    Communities around the world rely on forests for their livelihoods, not only for domestic uses but also for income, frequently obtained through small-scale, often family-run enterprises. The sustainable development of such enterprises is increasingly recognized as a key to poverty reduction but is often hindered by lack of financial inputs or poor access to microfinance services. This publication reviews the specific microfinance needs of small-scale enterprises given the often seasonal and unpr edictable nature of forest-based activities. It analyses the constraints they face when trying to obtain microfinance services – including a lack of familiarity with formal financial institutions and insufficient capital or collateral for access to traditional banking services – and identifies ways to overcome these challenges. The publication examines the role that different types of microfinance institutions, such as banks, non-governmental organizations, cooperatives and credit unions, can pl ay for small-scale enterprises and forest communities. It discusses, in addition to microcredit, a comprehensive range of services including savings, group lending, leasing, insurance and cash transfers. The strengths and weaknesses of different approaches are illustrated through four case studies in Nepal, Guatemala, the Sudan and Peru. This book will be a useful reference for those involved in designing policies and projects for the development of forest communities, as well as for those provi ding financial services to small enterprises in rural areas.
  • Thumbnail Image
    Book (stand-alone)
    التمويل البسيط و المنشآت الحرجية الصغيرة 2005
    Communities around the world rely on forests for their livelihoods, not only for domestic uses but also for income, frequently obtained through small-scale, often family-run enterprises. The sustainable development of such enterprises is increasingly recognized as a key to poverty reduction but is often hindered by lack of financial inputs or poor access to microfinance services. This publication reviews the specific microfinance needs of small-scale enterprises given the often seasonal and unpr edictable nature of forest-based activities. It analyses the constraints they face when trying to obtain microfinance services – including a lack of familiarity with formal financial institutions and insufficient capital or collateral for access to traditional banking services – and identifies ways to overcome these challenges. The publication examines the role that different types of microfinance institutions, such as banks, non-governmental organizations, cooperatives and credit unions, can pl ay for small-scale enterprises and forest communities. It discusses, in addition to microcredit, a comprehensive range of services including savings, group lending, leasing, insurance and cash transfers. The strengths and weaknesses of different approaches are illustrated through four case studies in Nepal, Guatemala, the Sudan and Peru. This book will be a useful reference for those involved in designing policies and projects for the development of forest communities, as well as for those provi ding financial services to small enterprises in rural areas.
  • Thumbnail Image
    Book (series)
    The Use of Warehouse Receipt Finance in Agriculture in Transition Countries 2013
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    This study discusses possibilities for warehouse receipt finance in the agribusiness sectors in Eastern Europe and Central Asia (ECA). Warehouse receipt financing is a proven instrument for allowing farmers, traders, processors and exporters to obtain finance secured by goods deposited in a warehouse. The warehouse operator issues a receipt for the stored goods, which can be used as a form of portable collateral to request a loan from a financial institution. Warehouse receipt financ ing is especially interesting for rural small and medium enterprises, which are often unable to secure their borrowing requirements owing to lack of sufficient conventional loan collateral. Warehouse receipt finance has a long tradition in many Western countries and in parts of the developing world, but in most ECA countries it has only been introduced since the collapse of the Soviet system. So far, results have been mixed and there remains considerable scope for enhancing warehouse receipt financing. Despite several donor-supported initiatives to introduce a legal framework and other elements of a warehouse receipt system, and practical applications of collateralized commodity financing by international and domestic banks in various ECA countries, little consolidated and up-to-date information is available on experiences, current status in different countries and lessons learned. This study contributes to closing the gap. Part 1 provides an overview of the dif ferent types and applications of warehouse receipt finance and discusses key issues and the core elements of a warehouse receipt financing system. Part 2 reviews experiences and the current status of warehouse receipt financing in a number of ECA countries and sets out possible areas for further support.
  • Thumbnail Image
    Book (stand-alone)
    Microfinance and forest-based small-scale enterprises 2005
    Also available in:

    Communities around the world rely on forests for their livelihoods, not only for domestic uses but also for income, frequently obtained through small-scale, often family-run enterprises. The sustainable development of such enterprises is increasingly recognized as a key to poverty reduction but is often hindered by lack of financial inputs or poor access to microfinance services. This publication reviews the specific microfinance needs of small-scale enterprises given the often seasonal and unpr edictable nature of forest-based activities. It analyses the constraints they face when trying to obtain microfinance services – including a lack of familiarity with formal financial institutions and insufficient capital or collateral for access to traditional banking services – and identifies ways to overcome these challenges. The publication examines the role that different types of microfinance institutions, such as banks, non-governmental organizations, cooperatives and credit unions, can pl ay for small-scale enterprises and forest communities. It discusses, in addition to microcredit, a comprehensive range of services including savings, group lending, leasing, insurance and cash transfers. The strengths and weaknesses of different approaches are illustrated through four case studies in Nepal, Guatemala, the Sudan and Peru. This book will be a useful reference for those involved in designing policies and projects for the development of forest communities, as well as for those provi ding financial services to small enterprises in rural areas.
  • Thumbnail Image
    Book (stand-alone)
    التمويل البسيط و المنشآت الحرجية الصغيرة 2005
    Communities around the world rely on forests for their livelihoods, not only for domestic uses but also for income, frequently obtained through small-scale, often family-run enterprises. The sustainable development of such enterprises is increasingly recognized as a key to poverty reduction but is often hindered by lack of financial inputs or poor access to microfinance services. This publication reviews the specific microfinance needs of small-scale enterprises given the often seasonal and unpr edictable nature of forest-based activities. It analyses the constraints they face when trying to obtain microfinance services – including a lack of familiarity with formal financial institutions and insufficient capital or collateral for access to traditional banking services – and identifies ways to overcome these challenges. The publication examines the role that different types of microfinance institutions, such as banks, non-governmental organizations, cooperatives and credit unions, can pl ay for small-scale enterprises and forest communities. It discusses, in addition to microcredit, a comprehensive range of services including savings, group lending, leasing, insurance and cash transfers. The strengths and weaknesses of different approaches are illustrated through four case studies in Nepal, Guatemala, the Sudan and Peru. This book will be a useful reference for those involved in designing policies and projects for the development of forest communities, as well as for those provi ding financial services to small enterprises in rural areas.
  • Thumbnail Image
    Book (series)
    The Use of Warehouse Receipt Finance in Agriculture in Transition Countries 2013
    Also available in:
    No results found.

    This study discusses possibilities for warehouse receipt finance in the agribusiness sectors in Eastern Europe and Central Asia (ECA). Warehouse receipt financing is a proven instrument for allowing farmers, traders, processors and exporters to obtain finance secured by goods deposited in a warehouse. The warehouse operator issues a receipt for the stored goods, which can be used as a form of portable collateral to request a loan from a financial institution. Warehouse receipt financ ing is especially interesting for rural small and medium enterprises, which are often unable to secure their borrowing requirements owing to lack of sufficient conventional loan collateral. Warehouse receipt finance has a long tradition in many Western countries and in parts of the developing world, but in most ECA countries it has only been introduced since the collapse of the Soviet system. So far, results have been mixed and there remains considerable scope for enhancing warehouse receipt financing. Despite several donor-supported initiatives to introduce a legal framework and other elements of a warehouse receipt system, and practical applications of collateralized commodity financing by international and domestic banks in various ECA countries, little consolidated and up-to-date information is available on experiences, current status in different countries and lessons learned. This study contributes to closing the gap. Part 1 provides an overview of the dif ferent types and applications of warehouse receipt finance and discusses key issues and the core elements of a warehouse receipt financing system. Part 2 reviews experiences and the current status of warehouse receipt financing in a number of ECA countries and sets out possible areas for further support.
  • Thumbnail Image
    Book (stand-alone)
    Microfinance and forest-based small-scale enterprises 2005
    Also available in:

    Communities around the world rely on forests for their livelihoods, not only for domestic uses but also for income, frequently obtained through small-scale, often family-run enterprises. The sustainable development of such enterprises is increasingly recognized as a key to poverty reduction but is often hindered by lack of financial inputs or poor access to microfinance services. This publication reviews the specific microfinance needs of small-scale enterprises given the often seasonal and unpr edictable nature of forest-based activities. It analyses the constraints they face when trying to obtain microfinance services – including a lack of familiarity with formal financial institutions and insufficient capital or collateral for access to traditional banking services – and identifies ways to overcome these challenges. The publication examines the role that different types of microfinance institutions, such as banks, non-governmental organizations, cooperatives and credit unions, can pl ay for small-scale enterprises and forest communities. It discusses, in addition to microcredit, a comprehensive range of services including savings, group lending, leasing, insurance and cash transfers. The strengths and weaknesses of different approaches are illustrated through four case studies in Nepal, Guatemala, the Sudan and Peru. This book will be a useful reference for those involved in designing policies and projects for the development of forest communities, as well as for those provi ding financial services to small enterprises in rural areas.
  • Thumbnail Image
    Book (stand-alone)
    التمويل البسيط و المنشآت الحرجية الصغيرة 2005
    Communities around the world rely on forests for their livelihoods, not only for domestic uses but also for income, frequently obtained through small-scale, often family-run enterprises. The sustainable development of such enterprises is increasingly recognized as a key to poverty reduction but is often hindered by lack of financial inputs or poor access to microfinance services. This publication reviews the specific microfinance needs of small-scale enterprises given the often seasonal and unpr edictable nature of forest-based activities. It analyses the constraints they face when trying to obtain microfinance services – including a lack of familiarity with formal financial institutions and insufficient capital or collateral for access to traditional banking services – and identifies ways to overcome these challenges. The publication examines the role that different types of microfinance institutions, such as banks, non-governmental organizations, cooperatives and credit unions, can pl ay for small-scale enterprises and forest communities. It discusses, in addition to microcredit, a comprehensive range of services including savings, group lending, leasing, insurance and cash transfers. The strengths and weaknesses of different approaches are illustrated through four case studies in Nepal, Guatemala, the Sudan and Peru. This book will be a useful reference for those involved in designing policies and projects for the development of forest communities, as well as for those provi ding financial services to small enterprises in rural areas.
  • Thumbnail Image
    Book (series)
    The Use of Warehouse Receipt Finance in Agriculture in Transition Countries 2013
    Also available in:
    No results found.

    This study discusses possibilities for warehouse receipt finance in the agribusiness sectors in Eastern Europe and Central Asia (ECA). Warehouse receipt financing is a proven instrument for allowing farmers, traders, processors and exporters to obtain finance secured by goods deposited in a warehouse. The warehouse operator issues a receipt for the stored goods, which can be used as a form of portable collateral to request a loan from a financial institution. Warehouse receipt financ ing is especially interesting for rural small and medium enterprises, which are often unable to secure their borrowing requirements owing to lack of sufficient conventional loan collateral. Warehouse receipt finance has a long tradition in many Western countries and in parts of the developing world, but in most ECA countries it has only been introduced since the collapse of the Soviet system. So far, results have been mixed and there remains considerable scope for enhancing warehouse receipt financing. Despite several donor-supported initiatives to introduce a legal framework and other elements of a warehouse receipt system, and practical applications of collateralized commodity financing by international and domestic banks in various ECA countries, little consolidated and up-to-date information is available on experiences, current status in different countries and lessons learned. This study contributes to closing the gap. Part 1 provides an overview of the dif ferent types and applications of warehouse receipt finance and discusses key issues and the core elements of a warehouse receipt financing system. Part 2 reviews experiences and the current status of warehouse receipt financing in a number of ECA countries and sets out possible areas for further support.

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