AEF

Microfinance Banks

 

  • Indonesia - The Microbanking Division of BRI, A Flagship of Rural Microfinance in Asia

  The case of BRI is evidence that, in a deregulated policy environment, the microfinance section of a government-owned bank can (a) be transformed into a highly profitable, self-reliant financial intermediary; and (b) turn into a major microfinance provider, offering carefully crafted microsavings and microcredit products to low-income people at market rates of interest. Making good use of government seed money and the technical assistance portion of a World Bank loan during an initial phase, it has now fully substituted savings deposits for external loans as its source of funds... [weiterlesen]

 

  • Indonesia, Resilience of BRI Microbanking Units

  The microbanking units of BRI, with a savings portfolio of $5.9 billion and a loan portfolio of $3.9 billion (2008), are a heavyweight in microfinance. Crisis has played a crucial role in their evolution. Just as BRI, the bank of which they are a part, owes its origin to globalization and the resulting crises during the second half of the 19th century, so do the microbanking units... [weiterlesen]

 

  • Indonesia, Restructuring Bank Rakyat Indonesia

 Despite the trend toward finance sector liberalization in recent years, state ownership of financial institutions is still widespread in the developing world. In general, the establishment of state-owned financial institutions, particularly banks, was advocated to correct market failures and provide resources to underserved or high-priority sectors of the economy, thus facilitating equitable economic growth. However, on the whole, government ownership of financial institutions has not necessarily been conducive to achieving those objectives... [weiterlesen]

 

  • Indonesia, Rural Bank Shinta Daya, a Privately Owned MFI

 Financial and economic deregulation in Indonesia since 1983 has encouraged the growth of microfinance institutions (MFIs). Combined with sustained economic growth, this has resulted in drastic reductions in poverty. The paper analyses the performance of Bank Shinta Daya, a private rural bank in Java, in terms of outreach to the poor AND NON-POOR, financial viability and sustainability, resource mobilisation, and sound (best) microfinance practices... [weiterlesen]

 

  • Nigeria, Assessment of Community Banks

 This study on community banks in Nigeria was undertaken in June 2004 by the FAO Investment Centre, with financial support from the Canadian International Development Agency (CIDA), the Department for International Development (DFID), the International Fund for Agricultural Development (IFAD), the Ford Foundation (FF), the United Nations Development Programme (UNDP) and the World Bank (WB), and in collaboration with the Central Bank of Nigeria (CBN). The objective of the study was to assess the past and present performance of community banks, in particular rural-based banks, and to propose a first framework for their support... [weiterlesen]

 

  • Nigeria, Underdeveloping MF through re-regulation - will community banks survive

 Regulating the financial system through restrictions on foreign exchange, interest rate controls and constraints imposed on financial institutions have been among the principal instruments of financial repression in low-income countries. In recent years, many have taken to deregulation, but mostly in response to donor persuasion and pressure rather than conviction... [weiterlesen]

 

  • Uganda, Centenary RDB - A Flagship of Rural Bank Reform

  Centenary Rural Development Bank is a commercial bank in Uganda that provides deposit, credit and money transfer services indiscriminately to men and women of lower income. By insisting on loan recovery and cost coverage, it has reached more customers in rural areas than any other institution in Uganda. With minimum deposits of $5 and minimum loans of $58, access barriers are low... [weiterlesen]