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Originally published in 1985, twenty-three chapters are brought together in 4 parts dealing with, respectively, problems in rural finance, interest rate policies, politics and finance, and new directions for rural financial markets. In an introduction it is argued that cheap and abundant credit is often regarded as essential for rural development but that actions taken on the basis of this assumption have given disappointing results. Low-interest policies and the improper use of financial markets are seen as the principal reasons for this. It is recommended that higher and more flexible interest rates are allowed and that little or no attention is given to target loans. Informal lenders are thought to offer valuable services therefore they should not be discouraged. More emphasis should be put on voluntary savings mobilization and access to formal loans by non-farm rural firms. It is concluded that many traditional agricultural credit programmes are counterproductive and that attractive product and input prices together with higher yields would be more powerful in stimulating agricultural development.
A joint FAO and World Bank study which shows how the farming systems approach can be used to identify priorities for the reduction of hunger and poverty in the main farming systems of the six major developing regions of the world.
`This is a "must read" for anyone interested in value chain finance.---Kenneth Shwedel, Agricultural Economist --Book Jacket.
"Eloquent and detailed...It's hard to have hope, but the organized observations and plans of Hoffman and people like her give me some. Read her book -- and listen." -- Jane Smiley, The Washington Post In her late 40s, Beth Hoffman decided to upend her comfortable life as a professor and journalist to move to her husband's family ranch in Iowa--all for the dream of becoming a farmer. There was just one problem: money. Half of America's two million farms made less than $300 in 2019, and many struggle just to stay afloat. Bet the Farm chronicles this struggle through Beth's eyes. She must contend with her father-in-law, who is reluctant to hand over control of the land. Growing oats is good for the environment but ends up being very bad for the wallet. And finding somewhere, in the midst of COVID-19, to slaughter grass finished beef is a nightmare. If Beth can't make it, how can farmers who confront racism, lack access to land, or don't have other jobs to fall back on hack it? Bet the Farm is a first-hand account of the perils of farming today and a personal exploration of more just and sustainable ways of producing food.
The problem of collateral is a daily issue for lenders and causes much debate in the development finance community. Given the difficulties experienced in arranging traditional forms of loan security, such as land or chattel mortgages, various collateral substitutes have been proposed. Among the substitutes for traditional collateral is the loan guarantee. Guarantee systems for loans have been proposed, planned and implemented in various countries. The assumption made by proponents of such a service is that the guarantee organization is either better informed about the risk of the loan than the lender or it is better structured financially to be able to manage the risk. Despite the apparent attractiveness of a loan guarantee, the empirical evidence available gives little encouragement. Nevertheless, interest in guarantees continues.
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