SMEs in the distribution sector have difficulty in securing credit because of their organizational weaknesses, and also because they are not deemed to be creditworthy.

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

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.

21 women have been trained as veterinary assistants.

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

Microcredit schemes and revolving credit funds could be used to develop community based water supplies and services.

General regulations referred to in article 95 of the General Act on Credit Organizations and Related Activities applicable to auxiliary credit institutions

Allow utilization of the full value inherent in assets to support credit in a broad array of credit transactions

Their access to information on loans and changes in the market is restricted by lack of informal support networks.

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.

Bank Loans, Mortgages and Credit. Credit is available to both men and women in Pakistan.

Moreover, because financial institutions assets were bought mainly with borrowed money, the shortage of credit is exacerbated by their need to deleverage. Since raising capital is difficult and costly, they deleverage by lending less.

Government operated schemes co exist with private market credit insurers

E credit information

Credit

The Yètè Mali Savings Network or savings and loan cooperative.

The United Nations goal with respect to the credit rating would be to convince the credit rating agencies to treat the borrowing as quasi sovereign for credit rating purposes.

The Government has issued Decree 178 1999 ND CP on guarantee for loans from credit organizations.

As far as microcredit was concerned, he had been calling for a dramatic reduction in interest rates.

With inferior credit ratings and the expectation of national currency depreciation, they had paid interest rates that were four times higher than those paid by developed countries.

Unfreezing Credit

Rural Credit

Financial Credit

Loan Information

Loan information

Information

Art. 13 (right to credit)

Micro enterprise credit programme

Yet because of their confidence in those countries economies and ability to pay, private investors had extended loans to them without inhibition.

Short term loans have had to be taken out in the electricity sector to modernize generating plants and electricity grids, with the aim of improving the quality of service to consumers, because of lack of access to major international credit institutions.

These auditors have the necessary powers, and their nomination, which is submitted by the bank in question, is approved by the Currency and Credit Council (the Currency and Credit Council is the body that regulates the activities of monetary and credit institutions, defines and implements monetary policy, monitors the banking system, regulates deposit and compensation operations, oversees the banking profession and advises the Government on financial matters).

For the same reason, IMF loans can be a burdensome legacy from a market perspective. Because they represent a massive senior claim, they may discourage new private lending for many years to come.

Bank loans, mortgages, and other financial credits

11.1.2 The right to credit and to bank loans

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13.4 Financial Credit

Agrarian Credit Fund

Micro enterprise credit programmeb

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

Moreover, as these options are even more limited in terms of coverage than microfinance institutions, they do not offer a genuine solution to the problem.

Finding itself unable to borrow abroad on market terms and given the limitations of resorting to domestic credit, the Comoros has financed its growing deficits primarily by falling behind in its payments, both internal and external.

Our experience has shown that savings and credit organizations are best suited to microfinance.

(c) To approve supplementary credits, and transfers and credits from the budget during the parliamentary recess

449. This, together with the fact that women are primarily employed in the informal sector of the economy and with the reluctance of banks to grant loans to workers in this sector (both men and women) leads us to consider alternative forms of access to credit for workers in the informal sector.