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Annotation This book examines the current level and pattern of access to finance for India's rural households, evaluates various approaches for delivering financial services, analyzes what lies behind the lack of adequate financial access, and identifies what it would take to improve access to finance.
Agricultural finance has come a long way in the past 15 years. After the concerted efforts of GOI, supported by RBI and NABARD, towards doubling of agricultural credit flow in 2004-2005, the growth in credit flow to the sector has been robust with an impressive CAGR of 18% between 2004--2005 and 2019-2020. While outreach increased, the Terms of Trade (Farmers and Non-farmers) has largely been on a declining trend, reflecting the underlying stressed conditions in farming. There is a challenge of inclusion, where small and marginal farmers continue to struggle for suitable and affordable credit products and access. This book summarizes the current state of agricultural finance in India, highlighting policy blind spots and grey areas. It documents the important advancements made in the agri-finance space in the last few years. The book covers various aspects of Agri-Finance Policy; institutional appetite and architecture for agriculture credit; formal financial services for enterprises in agriculture; agri-business, including FPOs; and innovations in credit, insurance, delivery mechanisms for agri-sector.
Although Chinas rural economy has made significant progress over the last twenty-five years, rural finance and institutional reforms are still lagging behind. This publication reviews the findings of an OECD meeting held in October 2003 and organised with the Chinese Government (with participants including Chinese policy makers and industry experts, as well as representatives from the World Bank, the FAO, the European Bank for Reconstruction and Development and the Asian Development Bank). The meeting discussed options for improving the countrys rural finance and institutional framework, as well as considering the role that the Chinese government could play within the reform process.
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Until recently the use of agricultural credit as a developmental tool seemed clear and straightforward. Most concerned people believed that increases in the volume of cheap credit were necessary to boost agricultural production, and that the rural poor could be brought into the mainstream of development through supervised credit programs. It seemed that certain ideal types of rural credit institutions offered the promise of meeting farmers' credit needs, and that experience in the industrialized countries with cooperatives and specialized agricultural finance institutions could be effectively transplanted to low-income countries. This collection of readings highlights facets of rural financial markets that have often been neglected in discussions of agricultural credit in developing countries. It moves beyond a narrow concern with the simple provision of credit to a broad consideration of the performance of rural financial markets and of ways to improve the quality and range of financial services for low-income farmers. It reflects new thinking on the design, administration, evaluation and policy framework of rural finance and credit programs in developing countries.
Rural Financial Markets in Asia: Paradigms, Policies and Performance specifically examines the commercialization of the rural economy and the provision and use of rural financial services since the 1970s.
This book focuses on the legal challenges and opportunities for International Financial Institutions in the post-crisis world. It includes contributions from academics, practitioners and Bank staff. The contributions cover a broad array of issues, included governance reform and constitutional framework of IFIs, privileges and immunities, responsibility of international organizations, issues related to fragile and conflict-affected states, climate finance, and the recent financial crisis. The book is organized in three main areas, namely (i) Law of International Organizations: Issues Confronting IFIs; (ii) Legal Obligations and Institutions of Developing Countries: Rethinking Approaches of IFIs; and (iii) International Finance and the Challenges of Regulatory Governance.
`This is a "must read" for anyone interested in value chain finance.---Kenneth Shwedel, Agricultural Economist --Book Jacket.
Since independence, the field of rural credit has traversed a long terrain. This book is a good synthesis of the evolution and development of the domain from a theoretical as well as practical perspective. It is a fundamental literature on rural finance mechanisms as well as financial inclusion initiatives in India. Although the field of rural credit is vast and specialised, the authors have carefully picked up the most important components of this domain, which will be immensely useful to readers to get first-hand knowledge on the subject. While it traces the important institutional mechanisms of rural and agricultural credit in India, it also discusses the emerging paradigms of rural finance and ICT interventions, which can potentially restructure delivery mechanisms to encourage product innovation for serving the financial needs of those at the bottom of the pyramid population. The authors have attempted to cover every important aspect of rural finance by incorporating relevant discussions on institutions, governance, policy framework, schemes, and practices along with issues and concerns in the area of agricultural finance, rural credit and financial inclusion. The text has been woven in a cohesive manner so that the reader can appreciate the historic milestones while comprehending the present situation. Each chapter has been pinned to the larger developmental context to drive home the key issues concerning this field.