OECS Private Sector Financing : Ridging the Supply-Demand Gap
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Washington, DC
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The high levels of public debt and
persistent fiscal deficits limit Organization of Eastern
Caribbean States (OECS) governments' ability to pursue
counter-cyclical fiscal policies during future economic
downturns, leaving private investment as the key driver of
future growth. This study on private sector financing in the
OECS analyzes the issue of access to finance from three
different angles: the demand side; the supply side; and the
enabling environment. It is not possible to fully analyze
problems of access to finance without a broad approach.
Demand side, supply side and the enabling environment are
jointly analyzed in this study to identify key measures that
could be applied in order to improve the enabling
environment, create better opportunities for business growth
and innovation (diversification), and place financial sector
institutions in a position to provide finance, especially to
SMEs, in a sustainable way.
Palabras clave
ACCESS TO CREDIT, ACCESS TO FINANCE, ACCESS TO FINANCING, ACCESS TO INFORMATION, AGRICULTURAL PRODUCTS, ALTERNATIVE SOURCES OF FINANCE, ASSET QUALITY, BANK LENDING, BANK LOAN, BANK LOANS, BANKING SERVICES, BANKING SYSTEM, BANKRUPTCY, BANKRUPTCY PROCEDURES, BORROWER, BORROWING, BUSINESS ASSOCIATIONS, BUSINESS DEVELOPMENT, BUSINESS DEVELOPMENT SERVICES, BUSINESS EXPERIENCE, BUSINESS MANAGEMENT, BUSINESS OPPORTUNITIES, BUSINESS PLAN, BUSINESS PLANNING, BUSINESS PLANS, BUSINESS STARTUP, BUSINESS SUPPORT, CAPITAL MARKET, CASH FLOW, CASH FLOWS, CASH WITHDRAWAL, CENTRAL BANK, CHAMBERS OF COMMERCE, COLLATERAL, COLLATERAL REGISTRATION, COLLATERAL REQUIREMENTS, COMMERCIAL BANK, COMMERCIAL BANKS, COMMERCIAL LOANS, CONSULTING SERVICES, CONTRACT ENFORCEMENT, COOPERATIVES, CREDIT ALLOCATION, CREDIT CARDS, CREDIT GUARANTEE, CREDIT GUARANTEES, CREDIT INFORMATION, CREDIT INFORMATION SYSTEMS, CREDIT LINE, CREDIT NEEDS, CREDIT REPORTING, CREDIT REPORTING SYSTEMS, CREDIT REQUIREMENTS, CREDIT RISK, CREDIT UNION, CREDIT UNIONS, CREDITOR, CREDITORS, CURRENCY, DEBT, DEBT BURDEN, DEBT BURDENS, DEBT COLLECTION, DEBT FINANCING, DEBT MANAGEMENT, DEBTS, DEPOSIT, DEPOSITS, DEVELOPMENT BANK, DEVELOPMENT BANKS, DEVELOPMENT CORPORATION, DEVELOPMENT CORPORATIONS, DIVERSIFICATION, EARNINGS, ECONOMIC ACTIVITIES, ECONOMIC ACTIVITY, ECONOMIC GROWTH, ECONOMIES OF SCALE, EDUCATIONAL ATTAINMENT, EMERGING MARKET, EMERGING MARKET COUNTRIES, EMPLOYER, ENABLING ENVIRONMENT, ENTERPRISE DEVELOPMENT, ENTREPRENEURS, EQUITY FINANCE, EQUITY FINANCING, EQUITY FUND, EQUITY FUNDING, EXCHANGE RATE, EXPENDITURE, EXPENDITURES, EXTERNAL FINANCE, EXTERNAL FINANCING, EXTERNAL FUNDS, EXTERNAL SHOCKS, FAMILIES, FARMER, FARMERS, FINANCIAL INSTITUTION, FINANCIAL INSTITUTIONS, FINANCIAL INSTRUMENTS, FINANCIAL LITERACY, FINANCIAL MARKETS, FINANCIAL PRODUCTS, FINANCIAL REGULATORS, FINANCIAL RESOURCES, FINANCIAL SECTOR ASSESSMENT, FINANCIAL SERVICES, FINANCIAL STRUCTURE, FINANCIAL SYSTEM, FINANCING NEEDS, FISCAL DEFICITS, FISCAL POLICIES, FOREIGN FIRMS, FOREIGN INVESTMENT, FORM OF COLLATERAL, FORMAL CREDIT, FUNDING SOURCES, GOVERNMENT INDEBTEDNESS, GOVERNMENT INTERVENTION, GOVERNMENT SECURITIES, GOVERNMENT SECURITIES MARKET, GROSS DOMESTIC PRODUCT, GUARANTEE SCHEMES, HOME MORTGAGE, IMPORT DUTIES, IMPORT DUTY, INCOME TAX, INDEBTEDNESS, INFORMATION TECHNOLOGY, INSURANCE, INSURANCE SERVICES, INTEREST PAYMENTS, INTEREST RATE, INTEREST RATES, INTERNAL FINANCE, INVESTMENT CAPITAL, INVESTMENT DECISIONS, INVESTMENT FUND, ISSUE OF ACCESS, JOB CREATION, LABOR MARKET, LACK OF CAPITAL, LACK OF INFORMATION, LAND OWNERSHIP, LAND REGISTRATION, LEGAL RIGHTS, LEGAL RIGHTS OF CREDITORS, LENDERS, LENDING DECISION, LENDING PORTFOLIO, LINE OF CREDIT, LINES OF CREDIT, LIQUIDITY, LOAN, LOAN APPLICATION, LOAN APPLICATIONS, LOAN PORTFOLIO, LONG TERM FINANCING, MARKET DEVELOPMENT, MARKET ECONOMY, MONETARY FUND, MONETARY POLICY, MORTGAGE LENDING, MORTGAGE LOANS, MORTGAGE MARKET, MORTGAGES, NEW MARKET, OPEN MARKET, OPERATING COSTS, OVERDRAFT, OVERDRAFTS, PAYMENTS SYSTEM DEVELOPMENT, PERSONAL ASSETS, PERSONAL SAVINGS, POOR CREDIT, POOR CREDIT HISTORY, PRIVATE EQUITY, PRIVATE INVESTMENT, PRIVATE SECTOR FINANCING, PROFIT MARGIN, PROVISION OF MORTGAGE, PUBLIC DEBT, PUBLIC SECTOR DEBT, RATES OF RETURN, REAL PROPERTY, REGISTRATION PROCESS, REMITTANCE, REMITTANCES, REPOSSESSION, RETAIL BANKING, RISK DIVERSIFICATION, RISK MANAGEMENT, SAVINGS, SECURITIES, SECURITIES EXCHANGE, SMALL BUSINESS, SMALL BUSINESSES, SMALL ENTERPRISE, SOCIAL SECURITY, SOURCES OF FINANCE, START-UPS, STUDENT LOANS, SUPPLY CHAINS, T-BILL, T-BILL RATE, TAX BURDENS, TAX EXEMPTIONS, TAX LEGISLATION, TAX SYSTEM, TECHNICAL ASSISTANCE, TRADE CREDIT, TRANSACTION COSTS, TRANSACTIONS COSTS, TRANSPARENCY, VENTURE CAPITAL, VENTURE FUNDING, WORKING CAPITAL