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Timor-Leste: independent review of the credit component of the community empowerment project (Inglês)

This review analyzes experience with the Community Empowerment Project (CEP) credit component, and draws a number of lessons and general principles. Credit contributed to a revival of rural economic activities, especially petty trading and the supply of manufactured goods, helping to re-establish markets and stimulating production and marketing of foodstuffs and higher-value crops. While CEP was not a financial sector project, its use of credit to achieve post-conflict reconstruction goals had implications for the revival of financial services. Since the latter was also an important reconstruction goal, CEP had an obligation to avoid compromising the re-establishment of financial services. While a badly-conducted credit program may succeed in reviving business activity, it might do so at an unacceptably high cost in terms of negative impact on the credit culture. Whether significant negative impact has occurred in Timor-Leste as a result of the poor repayment performance of the CEP and Small Enterprise project (SEP) projects may only become apparent as microcredit begins to expand throughout the country.

Detalhes

  • Autor

    Conroy,John D.

  • Data do documento

    2004/03/01

  • TIpo de documento

    Documento de Trabalho (Série Numerada)

  • No. do relatório

    31614

  • Nº do volume

    1

  • Total Volume(s)

    1

  • País

    Mundo,

  • Região

    Regiões Mundiais,

  • Data de divulgação

    2010/07/01

  • Nome do documento

    Timor-Leste: independent review of the credit component of the community empowerment project

  • Palavras-chave

    credit culture;institutional development impact;repayment rate;credit operation;Financial Sector;microfinance institution;rural area;source of income;source income;financial management specialist;lending by region;credit activities;local economic activity;terms of credit;Objectives and Outcomes;number of beneficiaries;early warning system;installments on loans;financial management manual;supply of credit;rural financial service;cost of fund;Effective interest rate;amount of credit;repayment of credit;Financial Management System;level of performance;financial sector development;availability of credit;environment for investment;analysis of trends;provision of credit;amount of loan;credit program;financial system;rural economy;poverty alleviation;revolving fund;formal sector;loan size;coherent policy;rural community;emergency situation;industry financing;market stall;retail store;initial loan;field visits;consumer good;credit management;enterprise finance;legal environment;beneficial impact;manufactured goods;repayment performance;consumer goods;loan program;processed food;field interviews;commercial bank;international community;rural income;credit allocation;cooking oil;capital loss;productive activity;rural production;working capital;reporting procedure;ida mission;loan fund;impact survey;reporting system;commercial lender;operational sustainability;microfinance program;negative effect;infrastructure work;loan loss;regulatory environment;operational practices;public good;community sub-grants;credit performance;market trader;local market;Economic Stimulus;poverty consequences;effective demand;credit discipline;vulnerable group;participatory planning;formal employment;Public Goods;financial sustainability;emergency response;economic shock;financial sense;subsistence production;gender consideration;cash reserve;livestock loan;knowledge gap;monthly reports;cash balance;income stream;field study;loan approval;autonomous region;credit control;regular repayment;study material;livestock rearing;coastal area;loan finance;fishing equipment;business support;economic infrastructure;purposive sample;loan default;business failure;financial operation;sustainable microfinance;interest income;small loan;data format;initial credit;milling machine;indivisible asset;investment capital;dollar term;economic regeneration;personnel change;institutional memory;loan repayment;individual loan;community group;active participant;market supply;retail enterprise;school reconstruction;subsistence agriculture;quantitative assessment;good information;aggregate data;geographic distribution;poverty impact;management capacity;lending agency;private bank;benchmark rate;amount due;legal right;field operations;capital employed;diversified agriculture;loan proceeds;business principle;business finance;household enterprise;finance activity;alternative development;specific issue;non-governmental organization;social capital;agricultural community;government entity;financial impact;crisis setting;subsidized credit;seasonal agriculture;multiplier effect;effective action;government support;credit scheme;overdue loan;working relationship;agricultural economy;building material;loan capital;government responsibility;micro-finance lenders;site investments;canned food;

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