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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.


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    Conroy,John D.

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

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