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Romania: Bank Lending to Small and Medium Sized Enterprises in Rural areas; an Analysis of Supply and Demand

Report N. 9 - January 2005









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    Bulgaria: Bank Lending to Small and Medium Sized Enterprises in Rural Areas; an Analysis of Supply and Demand
    Report N. 8 - January 2005
    2005
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    Bulgaria’s entry into the EU in 2007 will have a significant impact on the country’s small and medium sized enterprises (SMEs) operating in rural areas and the banking sector servicing them. EU standards and regulations related to specific sectors of industry (particularly food industry) coming in place in the next two years, as well as expected competition from the EU market, will change dramatically the scene in which rural SMEs operate. New investments are needed in order for this transition process to be successful. Commercial banks operating in rural areas have a vital role in realising this goal. This publication is part of report series published under the FAO Investment Centre/European Bank for 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. Bulgaria's entry into the European Union in 2007 will 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, has 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 Bulgaria's rural sector. This report was prepared to put forward recommendations to EBRD and local financial intermediarie s, 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 institutions interested in rural credit.
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    Kyrgyzstan and Tajikistan: Expanding Finance in Rural Areas
    Report N. 11 - August 2006
    2006
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    This publication is part of report series published under the FAO Investment Centre/European Bank for Reconstruction and Development Cooperation Programme. The series presents sector reviews and studies undertaken in Central and Eastern Europe on development issues and innovative areas to increase investment in agriculture in the region. Two country studies are presented on Kyrgyzstan and Tajikistan which were the outcome of consultations with public and private stakeholders, in particular with ministries, central banks, bank and non-bank financial institutions, international financial institutions, multilateral and bilateral donor agencies, non-governmental institutions, farmer associations, private sector associations, farmers and clients of financial institutions. The first feasibility study reviews different options to assess the potential of agriculture in Kyrgyzstan and enhance the outreach of the Kyrgyz Micro and Small Enterprise Finance Facility. The second feasibility study co vers various options for enhancing the supply of loans to farmers and other micro, small and medium enterprises in rural areas of Tajikistan. The report provides useful reference information on expanding finance in rural areas for agribusiness development.
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    GEF/SLOVENIA: Reducing Water Pollution in the Danube Basin - Project Preparation
    Report N. 3 - April 2003
    2003
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    Within the framework of the International Commission for the Protection of the Danube River (ICPDR) and the GEF Strategic Partnership on the Danube/Black Sea Basin, the European Bank for Reconstruction and Development (EBRD), in co-operation with the Global Environment Facility (GEF), is proposing the creation of a new Credit Facility in Slovenia. The primary objective of the Facility will be the reduction of nutrient load in the Danube river basin but it will also finance reductions in other wa ter pollutants, primarily toxic substances. The main focus will be on industries, small and mid-sized municipalities, and large livestock farms to reduce their impact on surface and groundwater. The Facility will build on the work of the Slovenian government to meet the highest European environmental standards, and on the basinwide efforts of ICPDR and other GEF projects. It will contribute to the implementation of these policies by bringing in new investment financing, channelled by local comme rcial banks to the private and municipal sectors, and softened with GEF grant funding. The implementation of the Credit Facility will be facilitated by a Technical Assistance component. Within the GEF International Waters Focal Area, the innovative element of the project is a design that is based on a partnership between financial intermediaries and private enterprises to disburse financial resources aiming at reducing water pollution. The project will focus on Slovenia but aims at creating a re plicable model that could subsequently be implemented in other Danube basin countries. A US$ 9 million GEF grant will be blended with a US$ 45 million EBRD loan to support the Credit Facility which will be on-lent to commercial banks that will in turn channel loans in response to client demand. An additional US$ 0.907 million of GEF funding, supported by US$ 0.842 million of co-financing, will be used to support technical assistance activities.

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