11.1.2 The right to credit and to bank loans

The indigent or those who did not qualify for microcredit could get unguaranteed credit the others had access to the types of credit listed in the report.

It is the highest court of the State in administrative, judiciary and public accounting matters.

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

Rural women's access to credits

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

More than 65,000 young people have been given loans from the Credit Fund and the realization of loans is nearly 89 per cent.

However, there are constraints related to access to credit.

Women s access to credit should also be improved.

(c) To benefit directly from social security programmes

Table 17 Access to credit by the employed population, 1995 2001

(b) To have access to adequate health care facilities, including information, counselling and services in family planning

In 1991 and 1992 women accounted for 18 per cent of the loans and 5.5 per cent of their value.

Some credit unions existed through which women had access to loans.

(c) Access to resources, including microcredit, new technologies and agricultural input

Access to credit enabled women to initiate, sustain and increase productivity.

It is often particularly difficult for women to obtain credit or security of tenure.

Women had access to banking services and to credit for housing and other purposes.

Recognizing the need for access to financial services, in particular for the poor, including access to microcredit and microfinance,

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 seller retains title or the lender is granted a security right in the tangibles purchased to secure the repayment of the credit or loan.

Ms. Ogoussan (Benin) said that credit was available to rural women but not to all categories of women.

Did they have access to credit and capital on the same terms as men?

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

Emphasizing the promotion of programmes aimed at financial intermediation with a view to ensuring the equal access of rural women to credit and to agricultural inputs and implements and, in particular, to easing collateral requirements for access to credit by women,

It should be emphasized that in Nicaragua credit opportunities are very limited in general.

It was widely felt that modern secured credit laws could have a significant impact on the availability and the cost of credit and thus on international trade.

As further clarification on the access to credit, it should be explained that some women, for lack of documentation, were not eligible for bank loans and instead received Government allocated funds at a low 5 per cent interest rate.

However, in most countries, young people have very limited access to land or credit.

Women's access to land and credit was equally important to their economic empowerment.

Women had greater access to microcredit, as well as free caesarean section delivery services in public hospitals.

453. The extent of women apos s participation in credit programmes for people of both sexes basically depends on the type of economic activity and microenterprise for which the credits are intended.

The year 2005 was declared the International Year of Microcredit to stress the crucial importance of access to financing, particularly to microfinancing.

There has been a growth in the recognition of the importance of empowering all people by increasing their access to all the factors of production, including credit.

The third source of financing is microfinance within the country money generated from within or from outside.

Women entrepreneurs received 25 per cent of the loans.

2.5.2 Providing access to credit and productive assets to the poor through micro finance

7. It is in that context that microcredit has recently assumed a certain degree of prominence.

Consider also the credit markets. Prime borrowers with good credit scores and investment grade firms are not experiencing a credit crunch at this point, as the former have access to mortgages and consumer credit while the latter have access to bond and equity markets.

Women earn on average 65 per cent less than men they need access to financial resources (credits, loans, subsidies, investments) and collateral (bank guarantees attached to property ownership).

Similarly, the regulations and laws in force demand no special conditions to enable women obtain bank loans, mortgages or any other form of financial credit.

(c) To establish a permanent dialogue on investment, the expansion of the entrepreneurial base and access to credit and technical assistance

An OECD study, for example, emphasized that credit needs to be supplemented with access to land and appropriate technology.

172. The Committee notes with concern that rural women had little access to education and to credit facilities.

The DAP is the passport for the credit.