c. Provision of credit for small businesses

The procedure for granting loans is prescribed by Regulation of the CM On Procedure for the Granting, Repayment and Discharge of a Study Loan and Student's Loan from Resources of a Credit Institution with State Provided Guarantees.

There are numerous credit institutions offering loans in Estonia.

(a) Provision of credit loans through group guaranteed and individual lending schemes

The seller made the sale conditional to the acceptance of the buyer by the defendant's credit insurance, which did not occur.

Public housing agencies could promote better housing by providing credit to the poor, who usually lack access to the formal housing finance market, through, for example, affordable mortgages and microcredit schemes.

d) The provision of credit schemes for poor men and women.

457. In the past, credit has been provided almost exclusively by the State Bank (Peruvian Bank for Agriculture BAP).

In theory, there is no discrimination against women with respect to the granting of financial facilities, since credit institutions apply the same conditions to both sexes.

A. Organization of cooperatives and access to agricultural credit and loans

Both the new refinanced loans and the trade credit lines will be guaranteed by Bank Indonesia.

This way public credit registries and credit bureaux may be able to operate and provide adequate and up to date electronic credit information.

Another would be for Governments or donors to provide home loan insurance in order to encourage housing finance institutions to offer mortgages to otherwise not creditworthy low income borrowers on affordable terms.

Financial incentives in developing countries are mainly subsidized loans, loan guarantees and government grants.

As in the cases of the Republic of Korea and Indonesia, international banks were unwilling to accept trade credits drawn on Thai banks but were also very reluctant to extend trade credit themselves.

Credit financing will apply a monetary unit of constant value to ensure cost recovery.

Microfinance and microcredit

With regard to microcredit and the extension of credit to small and medium sized businesses, efforts are being made to expand such services to our country's poorest areas.

At mid 1997, the MEC programme was delivering 180 loans per month with a value of 220,000.

Training should be provided and measures taken to facilitate access to credit and loans for women, in particular rural women.

The services include training, business counselling, market research and credit accessibility.

Credit and loans schemes were offered to women running small enterprises and to casual sellers.

The credit offered by such institutions is more expensive than that offered by formal banks their sources of financing require financial health rather than effective management for development and their operations reveal other traditional gender gaps (in terms of amounts, use of credit, etc.).

55. The Committee also welcomes information on the proposed establishment of a women s bank to provide loans and credits for small enterprises organized by women.

25. Facilitate rural women apos s access to land, credit, technology and training.

The Government also provided microcredits to women and supported women entrepreneurs.

External information providers offer evidence of creditworthiness, strengthen credit negotiations with banks and reinforce the position of SMEs relative to their competitors and business partners.

The programme focuses on serving women, persons with disabilities, children and youth, through various activities including credit provision.

The EXIM Bank provides credits to overseas investments through the Overseas Investment Facility, and an Overseas Investment Insurance scheme is run by the Malaysia Export Credit Insurance Berhad to cover political risks.

However, in case of restructuring of troubled credits, where it was essential to make the credit available in a timely manner, registration might need to be effective once it was made, i.e. even before the data registered became available to searchers.

Micro credit for self employment and small entrepreneurial ventures, especially for women.

In all three countries registered and supervised credit institutions are allowed to perform money transfer services.

In the year 2004, the total amount of credit provided is 6,316.85 million baht, of which 87.59 per cent of the beneficiaries are women.

It also helps create microfinancing opportunities for microenterprises, and provides training on credit qualification and management, with the poorest women and their families as the primary beneficiaries.

He also expressed the need for rural credit while others talked of microcredit.

As land is the major asset used as collateral to obtain rural credit, women have limited access to credit facilities.6 Withdrawal of credit provided by the Government in rural areas as the result of an increased liberalization and privatization of the financial sector can make access to credit even more difficult for women.

The objective of the studies and consultations was to examine critically the efficiency of non formal credit organizations in providing credit to the rural poor, for microfinance activities, and to suggest policy alternatives for reaching the large numbers of credit needy rural poor households within the next decade.

It is part of WOCCU apos s mission to seek to provide credit union services to people who want and need those services.

Concerning financial support measures, a loan guarantee fund had been set up in the National Economy Bank which provided credit guarantees for small and medium sized enterprises.

Legislation had been enacted to eliminate discrimination against women in access to credit, including mortgage loans.

Indicators that would inform on the different types of products available include a census of products offered (e.g. letters of credit, forward exchange contracts, pre or post shipment finance), types of insurance products available (export credit insurance), government export credit guarantees, etc.

Criteria for loans and grants

A large part of ODA is now disbursed in the form of grants, although there is still a highly significant proportion of ODA being disbursed as loans and credits, both by bilateral and multilateral organizations.

147. The representative noted that commercial banks frequently denied women credit because of lack of creditworthiness, and the Government had implemented several credit schemes, including the Family Economic Advancement Programme, which operated credit facilities for women and family units for the promotion of family enterprises.

It further called for microfinance and credit for micro , small and medium sized enterprises, including in rural areas, particularly for women, as well as for social and gender budget policies.