Tunisia Agricultural Finance Study : Main Summary Report
No hay miniatura disponible
Fecha
Autores
Título de la revista
ISSN de la revista
Título del volumen
Editor
Washington, DC
Resumen
Descripción
The Tunisia agricultural finance study
was carried out in response to a request made in December
2009 by the Tunisian Ministry of Agriculture (MoA) for
support for a study on the key constraints in agricultural
finance. Technical and financial support was specifically
requested for: (i) a comprehensive diagnostic analysis of
the current mechanisms and problems of financing of the
agricultural sector in Tunisia, including those by financial
institutions and from budget resources, foreign direct
investment, and insurance; (ii) a comparison of the Tunisian
experience with successful experiences made in other
comparable countries; and (iii) the formulation of concrete
proposals. The diagnostic part was also requested to include
the regulations pertaining to agricultural credit, other
constraints impeding the development of agricultural
finance, such as costs, profitability, professional
organizations, extension services, research etc., and to
look at the indebtedness of smallholders. It was also
requested that the recommendations help to: (i) better
define the objectives to be achieved in terms of financing
of agriculture; (ii) increase the participation of the
financial sector in financing agriculture; (iii) help
identify need for support by different types of farmers;
(iv) identify new instruments geared at qualitative and
technological changes; (v) reduce the indebtedness of
farmers; and (vi) help improve the subsidies for
agricultural investment. There are two main written outputs
of the Tunisia agricultural finance study. The experts
working on the study have compiled a great deal of detailed
background information diagnosing the current situation,
describing practices in other countries, and providing
recommendations on how to improve the situation in Tunisia.
These details are provided in the accompanying full
technical report, which should be of interest to
technicians. The present report the main summary report
provides a summary of the main findings and recommendations
for policy makers.
Palabras clave
ACCESS TO FINANCE, ACCOUNTING, AGRICULTURAL BANK, AGRICULTURAL COMMODITIES, AGRICULTURAL CREDIT, AGRICULTURAL FINANCE, AGRICULTURAL LOAN, AGRICULTURAL LOANS, AGRICULTURAL SECTOR, AGRICULTURE ORGANIZATION, ALTERNATIVE FINANCING, ALTERNATIVE SOURCES OF FINANCE, ARREARS, BANK BRANCH, BANK BRANCHES, BANK CREDIT, BANK FINANCING, BANK LENDING, BANK LOAN, BANK LOANS, BANK MANAGEMENT, BANKING INDUSTRY, BANKING REGULATIONS, BANKING SECTOR, BENEFICIARIES, BORROWER, CAPACITY BUILDING, CAPITAL REQUIREMENTS, CAPITALIZATION, CENTRAL BANK, COLLATERAL, COMMERCIAL BANK, COMMERCIAL BANKS, CONSUMER DEBT, CONSUMER LENDING, COOPERATIVES, COOPS, CREDIT ASSOCIATIONS, CREDIT CULTURE, CREDIT FACILITIES, CREDIT GUARANTEES, CREDIT LINES, CREDIT MANAGEMENT, CREDIT NEEDS, CREDIT REGISTRY, CREDIT SYSTEMS, CREDITOR, CREDITS, CREDITWORTHINESS, CURRENCY, DEBT, DEBT BURDEN, DEBT RECOVERY, DEBTORS, DEBTS, DEFAULT RATES, DEPOSIT, DEPOSIT MOBILIZATION, DEPOSITS, DEVELOPMENT FINANCE, DEVELOPMENT FINANCE INSTITUTIONS, DIRECT LOANS, DISBURSEMENTS, DIVERSIFICATION, DONOR SUPPORT, ECONOMIC CONTRIBUTION, ECONOMIC DEVELOPMENT, ELIGIBILITY CRITERIA, ENTERPRISE CREDIT, EQUIPMENT, EQUITY FUNDS, EQUITY PARTICIPATION, EXCLUSION, EXPORT EARNINGS, FARM FINANCE, FARMER, FARMERS, FINANCES, FINANCIAL INSTITUTION, FINANCIAL INSTITUTIONS, FINANCIAL PRODUCTS, FINANCIAL SERVICE, FINANCIAL SERVICE PROVIDERS, FINANCIAL SERVICES, FINANCIAL SUPPORT, FINANCIAL SYSTEM, FOREIGN DIRECT INVESTMENT, FORMAL BORROWING, FORMAL FINANCIAL INSTITUTIONS, FORMAL FINANCIAL SECTOR, FORMAL FINANCIAL SERVICES, GOVERNMENT GUARANTEE, GOVERNMENT INVESTMENTS, GOVERNMENT POLICIES, GOVERNMENT SUBSIDY, GOVERNMENT SUPPORT, GROSS DOMESTIC PRODUCT, GUARANTEE FUND, GUARANTEE SCHEME, GUARANTEE SCHEMES, HOLDING, HOLDINGS, HOUSEHOLDS, IMPORT DUTIES, INCOME GROUPS, INCOME LEVELS, INCOME TAX, INDEBTEDNESS, INFLATION, INFLATION RATE, INFORMAL CREDIT, INFORMAL FINANCE, INFORMATION SYSTEM, INFORMATION SYSTEMS, INSTITUTIONAL REFORM, INSURANCE, INSURANCE POLICIES, INSURANCE PREMIUM, INSURANCE PREMIUMS, INSURANCE PROTECTION, INTEREST RATE, INTEREST RATES, INVESTING, ISSUANCE, LACK OF ACCESS, LACK OF CAPITAL, LACK OF COMPETITION, LAND TITLES, LEASE AGREEMENTS, LENDER, LENDERS, LENDING INTEREST RATE, LIMITED ACCESS, LIMITED ACCESS TO BANK, LOAN, LOAN AMOUNT, LOAN AMOUNTS, LOAN APPRAISAL, LOAN CAPITAL, LOAN FUNDS, LOAN PORTFOLIO, LOAN PORTFOLIOS, LOAN PRODUCTS, LOAN PROGRAMS, LOAN RECOVERY, LOAN REPAYMENT, LOAN REPAYMENT RATES, LOAN REPAYMENTS, LOAN SIZE, LOAN VOLUMES, LOANABLE FUNDS, LOCAL CURRENCY, LOCAL GOVERNMENT, MARKET INTEREST RATES, MARKET SHARE, MFI, MFIS, MICRO ENTERPRISE, MICRO FINANCE, MICRO-CREDIT, MICRO-FINANCE, MICRO-FINANCE INSTITUTION, MICRO-FINANCE INSTITUTIONS, MICRO-FINANCE SECTOR, MICROCREDIT, MICROFINANCE, MICROFINANCE INSTITUTIONS, MICROFINANCE SECTOR, MONEY LENDERS, MONEYLENDER, MONEYLENDERS, MORAL HAZARD, NATIONAL GUARANTEE, NEW MARKET, NEW MARKETS, NON-PERFORMING LOAN, NON-PERFORMING LOANS, OPERATIONAL COST, OUTREACH, OVERDUE LOANS, PENETRATION RATES, POLICY ENVIRONMENT, PRIVATE BANK, PRIVATE ENTERPRISES, PROFIT MARGINS, PROFITABILITY, PRUDENTIAL REGULATIONS, PUBLIC CREDIT, RATE OF RETURN, REGULATORY FRAMEWORK, REPAYMENT, REPAYMENT RATE, REPAYMENT SCHEDULES, REPOSSESSION, RESERVES, RETURN ON ASSETS, RETURN ON INVESTMENT, RISK MANAGEMENT, RISK MANAGEMENT SYSTEMS, RISK MITIGATION, RURAL FINANCE, SHARE OF INVESTMENT, SMALL ENTERPRISE, SMALL ENTERPRISES, SMALL FARMERS, SMALL LOANS, SMALLHOLDER, SMALLHOLDER FARMERS, SMALLHOLDERS, SOURCE OF FUNDS, SOURCES OF FINANCE, SOURCES OF INCOME, SUPPLY CHAINS, TAX DEDUCTIONS, TAX EXEMPTION, TAX EXEMPTIONS, TECHNICAL ASSISTANCE, TOTAL DEBT, TRANSACTION, TRANSACTION COST, TRANSACTION COSTS, TRANSPARENT SYSTEMS, TREASURY, UNIONS, UNIVERSAL BANKING, UNIVERSAL BANKS, VILLAGE