África

West Africa

East Africa & Island Nations

Central and Southern Africa

  • Benin
  • Burkina Faso
  • Cameroon
  • Cape Verde
  • Chad
  • Côte d'Ivoire
  • Equatorial Guinea
  • Gabon
  • The Gambia
  • Ghana
  • Guinea
  • Guinea-Bissau
  • Liberia
  • Mali
  • Mauritania
  • Niger
  • Nigeria
  • Senegal
  • Sierra Leone
  • Togo
  • Sudan
  • Kenya
  • Tanzania
  • Uganda
  • Djibouti
  • Eritrea
  • Ethiopia
  • Somalia
  • Cape Verde
  • Comoros
  • Madagascar
  • Mauritius
  • São Tomé and Príncipe
  • Seychelles
  • Democratic Republic of Congo
  • Republic of Congo
  • Central African Republic
  • Rwanda
  • Burundi
  • Angola
  • Botswana
  • Lesotho
  • Malawi
  • Mozambique
  • Namibia
  • South Africa
  • Swaziland
  • Zambia
  • Zimbabwe

Library Resources

título del recurso tipo ano recurso
Vue d’ensemble régionale de l’insécurité alimentaire en Afrique. Des perspectives plus favorables que jamais. Report 2015 Francés (fr)

view page
Este recurso aparece en: África

Publié en même temps que le SOFI 2015, la Vue d’ensemble régionale de l’insécurité alimentaire et de la nutrition en Afrique subsaharienne présente les principaux chiffres concernant la sous-alimentation en Afrique subsaharienne. En outre, il décrit les principaux facteurs qui conditionnent les progrès en matière de sécurité alimentaire dans la région Afrique. Le présent document analyse aussi brièvement des initiatives menées à bien dans des pays africains visant à mettre en place et à maintenir durablement la durée des processus de transformation des politiques, des programmes, des institutions et de la gouvernance, qui ont contribué à améliorer la sécurité alimentaire et nutritionnelle.

Lien vers la publication  -  Francés (fr)

Autor FAO
Número de Páginas 39
Idioma Principal Francés (fr)
Región / País Global, Africa, África Oriental y Central, África del Norte, África del Sur, África Occidental
Palabras clave Seguridad Alimentaria, Desarrollo Sostenible, Desarrollo Agrícola, Indicadores, Colaboración Público-Privada
Recursos Relacionados
Renforcer la compétitivité en Afrique de l'Ouest (Passerelles VOLUME 16, NUMÉRO 1 - Mars 2015) Journal Article 2015 Francés (fr)

view page
Este recurso aparece en: África

PASSERELLES | Analyses et Informations sur le Commerce et le Développement Durable en Afrique

 

VOLUME 16, NUMÉRO 1 - Mars 2015 | Renforcer la compétitivité en Afrique de l'Ouest

 

Alors que dans la zone de l’UE, en Asie ou encore en l’Amérique du Nord, le commerce intra-régional représente respectivement 70 %, 52 % et 50 % des échanges, le commerce intra-africain ne représente que 12 %. A cela s’ajoute la part dérisoire de l’Afrique dans le commerce mondial, environ 2 %. Cette situation entretient la vulnérabilité de l’Afrique aux chocs économiques extérieurs et aux politiques commerciales protectionnistes. De nombreuses analyses démontrent que l’Afrique peut réduire sa vulnérabilité aux chocs extérieurs et améliorer ses échanges et sa performance économique si l’intégration de son marché est renforcée et si les échanges entre les pays s’intensifient.

Dans la même perspective, tous admettent que l’Afrique pourrait libérer ses potentialités commerciales, et voir son volume d’échanges augmenter si elle supprime les nombreux obstacles au commerce: réduction des obstacles tarifaires et non tarifaires, uniformisation des règles d’origine, investissement dans les infrastructures en qualité et en quantité; adoption de politiques de facilitation du commerce et de stratégies de développement des capacités productives sont des pré-requis incontournables.

Il ressort des analyses de cette édition que l’accroissement des échanges intra-africains sera subordonné à la suppression de ces obstacles au commerce:

  • Aliou Niang et d’Epiphane G. Adjovi montrent que les bénéfices potentiels de la Zone de libre échange continentale (ZLEC) pour les pays de la CEDEAO devraient se traduire par un accroissement du volume des échanges et une amélioration du niveau de vie des populations. Les deux auteurs précisent toutefois que la région devrait supprimer certains obstacles au commerce afin de saisir pleinement ces avantages liés à la mise en place de la ZLEC.
  • Uduak Akpan revient sur l’impact de l’amélioration de la qualité de l’infrastructure routière régionale sur le développement des opportunités d’affaires.
    • Antoine Coste, en se basant sur l'exemple du Nigéria, montre que la suppression des obstacles domestiques (e.g. coûts de transport et de commercialisation) favoriserait l’accroissement de la productivité et de la qualité, et améliorerait la compétitivité plus efficacement que la politique restrictive appliquée actuellement au Nigéria, tout en ayant aussi un impact sur la compétitivité des produits africains.
Passerelles | Analyses et Informations sur le Commerce et le Développement en Afrique  -  Francés (fr)

Autor Antoine Coste, Uduak Akpan, Aliou Niang et Epiphane G. Adjovi, Patrick Bonaventure Ongono et Manfred Kouty, Geert Laporte, Cheikh Tidiane Dieye,
Editor Centre International pour le Commerce et le Développement Durable (ICTSD)
Geneva, Switzerland
Número de Páginas 30
Idioma Principal Francés (fr)
Región / País Global, Africa
Nigeria
Palabras clave Export Markets, Globalización, Exportación, Bolsa Agropecuaria, Sistema De Transporte, Política, Control De Costes, Reducción De Costes, Comercialización, Africa
Recursos Relacionados
Maroc : Sensibilisation à l'agriculture de conservation Multimedia 2015 Francés (fr)

view page
Este recurso aparece en: África

Cette vidéo présente le programme conduit en partenariat par Fert et Afdi Touraine mis en œuvre dans deux régions du Maroc. Il s’articule autour de quatre axes : conception et fabrication locale d’un semoir « semis direct » adapté à la traction animale et la petite mécanisation, appui à la structuration de groupements de producteurs vecteurs de la diffusion, acquisition de références agro-économiques en agriculture de conservation, et enfin évaluation, capitalisation et diffusion des résultats.

Lien vers la vidéo  -  Francés (fr)

Editor Fert
Idioma Principal Francés (fr)
Región / País Global, Africa, África del Norte
Morocco
Palabras clave Desarrollo Agrícola, Crecimiento Agrícola, Agricultura, La Agricultura Y Los Medios De Vida Rurales, Degradation, Efficiency, Desarrollo De Granja, Fertilidad Del Suelo, Cambio Climatico, Seguridad Alimentaria
Recursos Relacionados
3 questions à Laurent Levard : commerce intra-régional pour nourrir l'Afrique Multimedia 2014 Francés (fr)

view page
Este recurso aparece en: África

Pourquoi soutenir le commerce intra-régional ? Quelles sont les recommandations du Gret pour accompagner son développement et quels en sont les freins ?

Découvrez les réponses de Laurent Levard, spécialiste des politiques agricoles au Gret.

Video  -  Francés (fr)

3 questions à Laurent Levard : commerce intra-régional pour nourrir l'Afrique

 

 



Editor Groupe de Recherches et d'Echanges Technologiques (GRET)
Idioma Principal Francés (fr)
Región / País Global, Africa
Palabras clave Crisis Alimentaria, Africa, International Markets, Bolsa Agropecuaria, Entorno Regulatorio, Marco Regulatorio, Retos
Recursos Relacionados
Financing Agricultural Value Chains in Africa: Focus on Pineapples, Cashews and Cocoa in Ghana Case Study 2011

view page
Este recurso aparece en: África

This study is part of a series of four country case studies on agricultural value chain finance in Africa aiming to examine access to finance for agriculture, with a view to identifying strategies and tactics which will improve that access for commercially-oriented agriculture. These recommendations will be used to inform policy development by government and development agencies, both at country level but also for the continent overall.

This study reviews the agricultural finance environment in Ghana, with particular reference to the pineapples, cashews and cocoa value chains. Accompanying the value-chain analysis is a review of both the agricultural and financial sectors in Ghana, with a performance dashboard for each.

Autor Mike Coates, Richard Kitchen, Geoffrey Kebbell, Catherine Vignon, Claude Guillemain and Robin Hofmeister
Editor GIZ - Deutsche Gesellschaft für Internationale Gesellschaft (GIZ) GmbH
Eschborn
Número de Páginas 71 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Occidental
Ghana
Palabras clave Financiamiento De Cadenas De Valor Agrícolas, Agricultural Value Chains
Recursos Relacionados
Financing Agricultural Value Chains in Africa: Focus on Coffee and Sesame in Ethiopia Case Study 2011

view page
Este recurso aparece en: África

This study is part of a series of four country case studies on agricultural value chain finance in Africa aiming to examine access to finance for agriculture, with a view to identifying strategies and tactics which will improve that access for commercially-oriented agriculture. These recommendations will be used to inform policy development by government and development agencies, both at country level but also for the continent overall.

This study reviews the agricultural finance environmentin Ethiopia, with particular reference to the coffee andsesame value chains. Accompanying the value-chainanalysis is a review of both the agricultural and financialsectors in Ethiopia, with a performance dashboardfor each.

Autor Mike Coates, Richard Kitchen, Geoffrey Kebbell, Catherine Vignon, Claude Guillemain and Robin Hofmeister
Editor GIZ - Deutsche Gesellschaft für Internationale Gesellschaft (GIZ) GmbH
Eschborn
Número de Páginas 67 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Oriental y Central
Ethiopia
Palabras clave Financiamiento De Cadenas De Valor Agrícolas, Agricultural Value Chains
Recursos Relacionados
Financing Agricultural Value Chains in Africa: Focus on Dairy and Mangos in Kenya Case Study 2011

view page
Este recurso aparece en: África

This study is part of a series of four country case studies on agricultural value chain finance in Africa aiming to examine access to finance for agriculture, with a view to identifying strategies and tactics which will improve that access for commercially-oriented agriculture. These recommendations will be used to inform policy development by government and development agencies, both at country level but also for the continent overall.

This study reviews the agricultural finance environment in Kenya, with particular reference to the dairy and mangos value chains. Accompanying the value-chain analysis is a review of both the agricultural and financial sectors in Kenya, with a performance dashboard for each.

Autor Mike Coates, Richard Kitchen, Geoffrey Kebbell, Catherine Vignon, Claude Guillemain and Robin Hofmeister
Editor GIZ - Deutsche Gesellschaft für Internationale Gesellschaft (GIZ) GmbH
Eschborn
Número de Páginas 70 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Oriental y Central
Kenya
Palabras clave Financiamiento De Cadenas De Valor Agrícolas, Agricultural Value Chains
Recursos Relacionados
Financing Agricultural Value Chains in Africa: Focus on Cotton and Cassava in Burkina Faso Case Study 2011

view page
Este recurso aparece en: África

This study is part of a series of four country case studies on agricultural value chain finance in Africa aiming to examine access to finance for agriculture, with a view to identifying strategies and tactics which will improve that access for commercially-oriented agriculture. These recommendations will be used to inform policy development by government and development agencies, both at country level but also for the continent overall.

This study reviews the agricultural finance environment in Burkina Faso, with particular reference to the cotton and cassava value chains. Accompanying the value chain analysis is a review of both the agricultural and financial sectors in Burkina Faso, with a performance dashboard for each.

Autor Mike Coates, Richard Kitchen, Geoffrey Kebbell, Catherine Vignon, Claude Guillemain and Robin Hofmeister
Editor GIZ - Deutsche Gesellschaft für Internationale Gesellschaft (GIZ) GmbH
Eschborn
Número de Páginas 64 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Occidental
Burkina Faso
Palabras clave Financiamiento De Cadenas De Valor Agrícolas, Agricultural Value Chains
Recursos Relacionados
Ethiopia Country Diagnostic: "Opportunities and challenges for microinsurance in Ethiopia. An analysis of the supply, demand and regulatory environments" Case Study 2010 Inglés (en)

view page
Este recurso aparece en: África

This study forms part of a larger project funded by the United Nations Capital Development Fund (UNCDF) and managed by the International Labour Organisation (ILO) to promote microinsurance development in several African countries. The goal of this particular project is to map the microinsurance landscape (this includes supply, demand and regulatory dimensions) in Ethiopia and to facilitate a process for the development of an inclusive insurance (and microinsurance) market in Ethiopia.

ethiopia country diagnostic (case study)  -  Inglés (en)

Autor Anja Smith, Doubell Chamberlain | Cenfri, ILO, UNCDF
Editor Access to Insurance Initiative
Número de Páginas 98 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Oriental y Central
Ethiopia
Palabras clave Seguro, Microseguros, Seguro Agrícola, Política, Entorno Regulatorio
Recursos Relacionados
Rural Banking: The Case of Rural and Community Banks in Ghana Case Study 2010

view page
Este recurso aparece en: África

This case study describes the history and business model of the rural and community bank (RCB) network in Ghana, analyzes its performance, identifies key issues, and makes recommendations on the way forward. The study analyzes the service delivery and financial performance of the RCBs at two levels: the network of all banks and a representative sample of 12 RCBs. It finds that although the service delivery performance of the RCB network has been very good, its financial performance has been mixed.

This paper is organized as follows: Section 2 describes the background of RCBs, including the socio-political context, a narrative on the emergence and evolution of RCBs, the structure of the Ghanaian rural financial market, the legal and regulatory environment, and an overview of major donor programs. Section 3 describes the business model of RCBs, including ownership, governance, staffing, products broader private sector. Section 4 analyzes the service delivery and financial performance of RCBs. Finally, Section 5 identifies some key issues, draws some lessons from the RCB experience and discusses options for the way forward.

This paper is based on a review of various published and unpublished documents, interviews with key respondents, and an analysis of data collected from the BoG, the ARB Apex Bank, and a sample of rural banks. The sample rural banks were selected primarily to reflect the proportional representation of different categories of rural banks according to the BoG’s performance classification of all 127 banks. Other factors used to select the sample of banks were location (primarily rural or periurban, and agroclimatic zone), size, and age.

Autor Ajai Nair and Azeb Fissha
Editor The World Bank
Número de Páginas 54 pp.
Idioma Principal Inglés (en)
Región / País Global
Palabras clave Bancos Rurales
Recursos Relacionados
Zambia Country Diagnostic: "Towards a strategy for microinsurance development in Zambia. A market and regulatory analysis" Case Study 2009 Inglés (en)

view page
Este recurso aparece en: África

This study forms part of a series of country studies commissioned by the ILO/UNCDF looking to support country-level microinsurance strategies and to develop cross-cutting insights on designing and implementing such strategies. It considers the scope for, opportunities and challenges to microinsurance expansion in Zambia in order to develop a comprehensive information base that provides the basis for dialogue amongst the key stakeholder categories, including potential clients, providers, intermediaries, government and donor/multilateral agencies, and on which strategies for the development of microinsurance in Zambia can be based.

Zambia Country Diagnostic  -  Inglés (en)

Autor Christine Hougaard, Doubell Chamberlain, Yoseph Aseffa | Cenfri
Editor Access to Insurance Initiative
Número de Páginas 138 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África del Sur
Zambia
Palabras clave Seguro, Seguro Agrícola, Microseguros, Reglamento, Entorno Regulatorio
Recursos Relacionados
South Africa Country Diagnostic: "Making insurance markets work for the poor. Microinsurance policy, regulation and supervision: South African Case Study" Case Study 2008

view page
Este recurso aparece en: África

This document is one out of a row of in-depth case studies (Colombia, India, Philippines, South Africa, Uganda, Zambia, Brazil and Ethiopia) on the role of regulation in the development of microinsurance markets.

"The objectives of this project were to map the experience in a sample of several developing countries where microinsurance products have evolved and to consider the influence of policy, regulation and supervision on the development of these markets. From this evidence base, lessons were extracted that seek to offer guidance to policymakers, regulators and supervisors who are looking to support the development of microinsurance in their jurisdiction.

It must be emphasized that these findings do not provide an easy recipe for developing microinsurance but only identifies some of the key issues that need to be considered. In fact, the findings emphasize the need for a comprehensive approach informed by and tailored to domestic conditions and adjusted continuously as the environment evolves."

The study was funded by the Canadian International Development Research Centre (IDRC), the Bill and Melinda Gates Foundation, the South Africa-based FinMark Trust and the German Federal Ministry for Economic Cooperation and Development (BMZ).

Autor Hennie Bester, Doubell Chamberlain, Simon Hendrie, Tim Hobden, Christine Hougaard, Anja Smith | Genesis Analytics
Editor Access to Insurance Initiative
Número de Páginas 115 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África del Sur
South Africa
Palabras clave Microseguros, Seguro, Reglamento, Marco Regulatorio, Política
Recursos Relacionados
Analyse transversale des performances des institutions de microfinance africaines Report 2008

view page
Este recurso aparece en: África

Suite aux résultats de ce programme pilote, le « Forum pour l’Evaluation des Performances des IMF Africaines » s’est concrétisé en 2003 comme un point régulier de rencontres et d’échanges entre les IMF africaines et les agences de notation actives sur le continent. Depuis, le Forum s’est institutionnalisé en 2008 par la création d’ African Microfinance Transparency (AMT ) sis en Afrique du Sud.

Outre son rôle de plateforme de discussion, African Microfinance Transparency a mis en place un code de bonne conduite pour les agences de notation ainsi qu’une instance d’arbitrage pour la résolution des conflits éventuels entre agences et institutions de microfinance (IMF) . AMT cherche à renforcer les services d’informations à ses membres et au secteur en général en publiant régulièrement des documents sur le développement et les tendances dans le domaine de l’évaluation des performances des IMF africaines.

Cette publication est la deuxième analyse transversale des évaluations réalisées au niveau des IMF membres d’AMT . L’élargissement de l’échantillon par l’intégration d’IMF non membres permet d’avoir une appréciation globale du secteur de la microfinance en Afrique et des caractéristiques des IMF notées. L’analyse menée par les agences de notation (MicroRate, Microfinanza Rating et Planet Rating) identifie les tendances et les défis propres à l’industrie de la microfinance en Afrique.

Autor African Microfinance Transparency
Editor African Microfinance Transparency
Idioma Principal Francés (fr)
Región / País Global, Africa
Palabras clave Institución De Microfinanzas, Seguimiento Y Evaluación
Recursos Relacionados
Rural Financial Services in Kenya: What is Working and Why? Paper 2007

view page
Este recurso aparece en: África

Access to rural financial services has a potential to make a difference in agricultural productivity, food security and poverty reduction. However, an efficient, sustainable and widely accessible rural financial system remains a major development challenge in most Sub Sahara African countries. In the late 1990’s, most mainstream commercial banks closed down the rural branches in order to cut costs and improve profits. Since then, a number of non-traditional financial institutions have emerged to fill the gap created by the mainstream banks which locked out low income and irregular earners. The study looks at the emerging and innovative rural finance models in the rural Kenya.

Autor Kibaara, B.
Número de Páginas 34 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Oriental y Central
Kenya
Palabras clave Servicios Financieros Rurales, Finanzas Agrícolas
Recursos Relacionados
Impact Assessment of the Microfinance Programme in Amhara Region of Ethiopia Paper 2007

view page
Este recurso aparece en: África

Inspite of rapid expansion of microfinance services by ACSI in the last one decade or so in the Amhara region of Northern Ethiopia, currently reaching more than 550,000 credit clients, there has been little or serious attempt to evaluate the impact of such services. The objective of the study was to see if the institutional vision of bringing about positive impact on the lives of the poor is being attained, and also how to improve on the design of financial products with a view to ‘improve’ impact.

The AIMS (Assessing the Impact of Micro-enterprise Services) conceptual framework (of USAID) used for the study, departs from the conventional approach in that it starts with the household rather than the enterprise. The model recognizes that loan funds to poor households are ‘fungible’ and can be allocated to any activity in the household economic portfolio, and the micro-enterprise is embedded in the household economy, representing only one of the household’s production, consumption, and investment activities. Both ‘quantitative’ and ‘qualitative’ methods were used to collect data from over 1600 clients and non-clients and triangulate results to get full picture.

Important conclusions are that:

  1. The micro-finance service is indeed having clear impact: improving the food security situation, the health status, educating the children, creating additional assets (improved housing, etc), as well as impacting on the ‘empowerment’ situation of the marginalized;
  2. finance for ‘micro-enterprise’ is used for various problems in the household, including most importantly, for consumption smoothing, and programmes need to consider this;
  3. Micro-credit cannot be the only intervention on poverty, and other interventions should also accompany it, more importantly: Business Development Service, health education, etc.
Financing Coffee Farmers in Ethiopia: Challenges and Opportunities Paper 2007

view page
Este recurso aparece en: África

Notwithstanding the severe price shocks which have been shaking its value chain, coffee remains a fundamental component of the Ethiopian economy and export. Nevertheless the prolonged price decline has substantially weakened its production basis and prospects, so that appropriate financial services are urgently needed to sustain rural communities. Despite the growing literature on microfinance, financial supply and demand of rural communities remain issues largely unexplored. To address these issues, in 2005 we carried out an original survey interviewing 120 Ethiopian coffee farmers; further, the statistical analysis was complemented by “focus group” discussions and individual interviews with “key-experts” of the coffee value chain. Several important findings emerge from this study.

First, there is a strong evidence of an overall gap between demand and supply of financial services, across the different sources (formal and informal ones). Second, existing financial services (loans) are too costly (except for the cases of microfinance institutions and cooperatives) and often not tailored to the farmers’ needs (in relation to timing, length and amounts). Concerning saving products, their diffusion is still very limited, since they have been recently introduced, but in the future they could become an important component for strengthening the microfinance outreach; currently, they also stand as a substitute for risk-insurance products, totally absent in the coffee production chain. Regarding policy recommendations, the main priorities appear those of enlarging the outreach of MFI and financially-active cooperatives. More generally, a need emerges for demand-oriented financial services and suitable “bottom-up” agricultural development and policy-making.

Autor Anne Bastin; Nicola Matteucci
Número de Páginas 38 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Oriental y Central
Ethiopia
Palabras clave Servicios Financieros, Cadenas De Valor Agrícolas
Recursos Relacionados
Promotion of Rural Savings Through Microfinance: The Experience of Sinapi Aba Trust in Ghana Paper 2007

view page
Este recurso aparece en: África

SINAPI ABA TRUST, the leading microfinance agency in Ghana with over 55,000 clients observed that majority of its clients have not only developed the culture of relying on loans for a long time, but some were even borrowing money to pay their compulsory savings required for loan security. The organisation therefore introduced a progressive savings scheme intended to help clients to accumulate more funds for their domestic and business needs and ultimately enhance their financial security. From institutional point of view, it was also expected that these savings will generate additional funds to augment the loan portfolio.

This study was initiated to assess the performance of this scheme and its impact on both clients and the organisation. The study has revealed that rural poor borrowers have the capacity to save substantial amounts progressively if they are given the opportunity, motivation and a supportive institutional framework. Their voluntary savings through this scheme has increased tremendously within 12 months. The funds mobilised from the savings scheme constituted about 26% of the loan portfolio. In short, this experiment has established the capacity of microfinance schemes in mobilising local capital for the development of the local economy.

Autor Afrane, S.
Número de Páginas 17 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Occidental
Ghana
Palabras clave Movilización Del Ahorro
Recursos Relacionados
How to respond to the need for financial services in rural areas with a high HIV/AIDS prevalence rate – case studies from Mozambique Paper 2007

view page
Este recurso aparece en: África

The paper discusses how financial service providers can respond to the need of the rural population in an environment where the HIV/AIDS prevalence rate is increasingly high. It is based on action research undertaken in Mozambique with four widely different institutions operating partly or totally in rural areas. The institutions include one microfinance bank, two microfinance institutions (MFIs) and one organisation promoting Accumulating Savings and Credit Associations (ASCAs).

Information was gathered through quantitative (surveys) and qualitative market research to understand how the need for financial products and other services are adjusted in areas of high prevalence. The qualitative research used various techniques such as focus group discussions and participatory rapid appraisal techniques. The paper explains which research techniques were most effective to cover issues related to HIV/AIDS without offending or scaring the respondents.

The paper describes how financial services providers can intervene in the fight against HIV/AIDS by linking with health care providers and institutions focusing on prevention. Understanding the needs and expectations of the beneficiaries at different stages of the pandemic is crucial for successful interventions.

The paper also shares findings showing how the various types of service providers can adapt their products and policies to clients’ changing needs. More specifically, we use the example of ASCAS in Northern Mozambique to show how these groups are able to modify their rules according to their circumstances: focusing more on savings or credit, creating mechanisms to cope with emergencies such as death or disease of the client, his/her family or other community members and taking into account specific religious or cultural requirements.

Finally we conclude by sharing some lessons learned from this action research on how financial services providers can undertake to mitigate the impact of HIV/AIDS on their institution and their clients.

Autor Dominique Brouwers
Número de Páginas 27 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Oriental y Central, África del Sur
Mozambique
Palabras clave Servicios Financieros, Riesgos Para La Salud
Recursos Relacionados
Does low population density restrain microfinance development? The case of Niger Paper 2006

view page
Este recurso aparece en: África

Niger is characterized by low population density. Distances involved to access basic services can constitute a major barrier to development. This paper analyzes the relationship between the distance separating households from microfinance institutions’ offices in Niger and the low level of development and performance of the microfinance sector in the country. The authors' main findings suggests that distance can affect microfinance activities in three ways:

  1. the spatial distribution of the demand for finance results in a positive correlation between distance and portfolio risk,
  2. transaction costs are increased and
  3. by making monitoring costs higher, distance leads to less effective loan supervision.

To cope with these effects, microfinance institutions appear to adapt their policies by introducing more restrictive loan conditions, higher interest rates and more intensive screening. As a result the profile of borrowers as a function of distance is more and more biased towards safe and short-term activities such as trading, while producers (especially breeders) and poorer people are more likely to be left out of the credit market.

The researchers observe that the policy debate in Niger has focused primarily on the “professionalisation” of the microfinance sector and the establishment of a comprehensive legal framework. While ensuring good governance of microfinance institutions is definitely needed, this paper raises the question of whether credit markets in their current forms are not limited by other important factors which require public attention. For example, in some neighbouring countries such as Benin, the government guarantees the price of cotton. This greatly reduces the risk of lending to cotton producers and makes them a safe market for MFIs. Price guarantees, therefore, are an indirect means of subsidising rural financial services. Production in Niger is less export-oriented and receives less attention from authorities, which may be limiting rural outreach.

Autor Jose Pedrosa; Quy-Toan Do
Número de Páginas 17 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Oriental y Central
Niger
Palabras clave Servicios Financieros Rurales, Microfinanzas Rurales
Recursos Relacionados
Expanding Access to Financial Services in Malawi Report 2005

view page
Este recurso aparece en: África

This extensive report begins from the assertion that primary financial service needs are shared across income groups. It notes that these include accessing liquidity, having a safe place to store money, transferring money electronically to and from family members and creditors, and finding ways to decrease risk.

This report assesses the achievements and challenges for microfinance service delivery in Malawi, with particular attention to rural and agricultural markets. It identifies key elements that influence the development of Malawi’s financial system, and provides some recommendations and opportunities for investors, donors, government and private sector entities to support the development of an inclusive financial system.

Recommendations focus on getting key policies right, promoting innovation in financial markets, supporting the integration of fragmented markets along the agricultural value chain (Figure 1 on page 56 provides a useful flow chart of the agricultural value chain and possible financial products that may be useful at various stages along it), promoting transparency and accuracy in institutional performance reporting, and most critically providing financial and technical support to financial institutions that have the appropriate operating and governance structures to intermediate savings in rural areas, where the most challenging but greatest potential markets exist. This report also defines basic microfinance concepts and refers the reader to internet links and other resources to deepen their understanding of microfinance and relevant issues.

The reader is invited to use these resources as a basis to challenge and/or deepen some of the conclusions presented in this report and advance the dialogue on inclusive financial systems in Malawi.

The comprehensive examination in this report is based around the following key topics:

  1. An introduction to microfinance
  2. The broad policy environment
  3. Social and other sectoral policies
  4. The financial sector in Malawi
  5. Agricultural development and rural finance
  6. Demand for microfinance in Malawi
  7. The supply of microfinance in Malawi
  8. The legal and regulatory environment
  9. Recommendations
Autor Burritt, K
Editor UNCDF
Número de Páginas 179 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África Oriental y Central
Malawi
Palabras clave Microfinanzas Agrícola, Financiamiento Rural, Servicios Financieros, Desarrollo
Recursos Relacionados
Livelihoods Through Micro-enterprise Services? Assessing Supply and Demand Constraints for Microfinance in Ethiopia Paper 2005

view page
Este recurso aparece en: África

In this interesting paper, which was presented at the 3rd International Conference on the Ethiopian Economy, Getaneh Gobezie reviews the background to rural financial intermediation as a key development intervention in poor countries. He notes that despite some successes, there continue to be significant problems which limit both the supply of and demand for financial services in poor countries such as Ethiopia. In Ethiopia the rural financial landscape is still dominated by informal suppliers - formal services are weak or non-existent. Informal sources do not generate enough affordable finance for business to stimulate economic development. The government has provided encouragement and an improved regulatory environment but despite this the spread of modern financial services, including microfinance, remains extremely limited.

The author explores this problem using an analytical framework developed by Claudio Gonzalez-Vega which focuses on three gaps: the inefficiency gap, the insufficiency gap and the feasibility gap. He first focuses on the supply side and examines policy, regulation and supervision issues, organizational behaviour and ownership, and institutional capacity for innovative service delivery. For example, he notes that the emphasis in microfinance policy and regulation that limits loan size and terms in an attempt to focus on the poorest, may prevent more entrepreneurial people from obtaining the finance they need. Some people suggest that the secondary income and employment effects of providing services to the vulnerable non-poor and the “missing middle” helps the poorer (usually risk adverse and non-entrepreneurial) people more effectively than requiring all to become business people.

With regard to organizational behaviour, Getaneh considers that NGOs involved in micro-finance delivery without a license are becoming real dangers to the growth of the industry. Often, their system of lending involves some irregularities including subsidized interest rate, mixing business with charity and not following strict business discipline in the treatment of delinquency etc, which would make clients dependent on such operations and would potentially endanger the healthy operation of the whole micro finance industry. Another issue is that most MFIs start by replicating the microfinance methodologies and products from other MFIs. Clients are then forced to fit to procedures, terms and conditions of the MFIs. Little regard has been accorded to the importance of “market research” to understand the financial needs and preferences of clients (and potential clients), how borrowing and saving fits into their money management strategies to meet day-to-day needs, manage risk, and take advantages of opportunities, etc. In Ethiopia the solidarity group method has been reasonably acceptable but for some the endless weekly meetings are not popular.

Challenges also remain on the demand side. For the majority poor, the communication system in rural areas, particularly the road network, bars them from accessing services. Where access is possible, clients limited skills in business development ensures their financial absorptive capacity remains weak. Many are risk averse, or don’t like (for cultural reasons) to venture into non-traditional activities, while others have a very low income perspective and simply don’t have the demand for such income-improving services. Such problems manifest themselves more profoundly among women, whose very access and benefit from financial services is further limited by the male-dominated patriarchal societal system prevailing in the country.

Closing the supply and demand gap is a daunting task but not impossible. The author concludes with the following suggestions: better supervision of charity-oriented NGOs involved in microfinance, removal of interest ceilings on savings accounts, diversifying the lending methodology towards more individual lending, better training for micro-bankers, improved rural infrastructure (particularly the road network), expanded business advisory services which are linked with activities to bring about cultural transformation.

Le renforcement du partenariat entre organisations paysannes et microfinance au Niger Document 2005

view page
Este recurso aparece en: África

Au Niger comme dans la plupart des zones rurales d’Afrique de l’Ouest, les banques commerciales ne sont que faiblement accessibles et restent très réticentes à financer l’agriculture. La microfinance est alors souvent la seule alternative formelle d’accès au financement pour les organisations paysannes. Mais ce partenariat reste difficile à construire, malgré plusieurs initiatives de rapprochement organisées depuis quelques années. Les organisations paysannes membres du Conseil pour l’Action et la Solidarité Paysannes au Niger (CASPANI), et certaines IMF ont souhaité discuter des conditions de ce partenariat à travers un atelier de concertation entre OP et IMF. Le POLSECAL, le PROPAN, le Projet Intrants, le PDSFR/FIDA, respectivement structures d’appui aux OP et aux IMF, et le CNEARC, ont appuyé cette initiative .

Réalisé en juin 2005, cet atelier avait pour objectif général d’échanger sur les conditions d’un renforcement du partenariat entre OP et IMF. Plus spécifiquement, il s’agissait pour les OP et les IMF de :

  • poursuivre le processus de rapprochement, d’améliorer l’interconnaissance et la construction de confiance entre les deux types d’institutions
  • d’explorer ensemble des problèmes prioritaires limitant aujourd’hui la collaboration entre les deux secteurs et de dégager des voies concrètes d’un travail en commun.

Sous la présidence de CASPANI, l’atelier a réuni 73 participants, représentant les principales organisations paysannes issues des différentes régions du Niger (26 OP), les principales institutions de microfinance et leur association professionnelle, l’ANIP MF (21 IMF), deux banques (BCEAO, Banque Régionale de Solidarité) et un fonds de garantie (TANYO), les principaux partenaires de développement des OP et des IMF (Ministères de tutelle (MDA, MRA, MEF, MDC), PROPAN, PolSecAl, PDSFR/FIDA, Projet Intrants FAO CNEARC,…).

L’atelier a été organisé en quatre séquences.

La première avait pour objectifs de redéfinir les différents aspects du problème du financement de l’agriculture et des organisations paysannes au Niger, de tirer les enseignements des initiatives prises depuis 2003 et de cerner les problèmes clé, facteurs de blocage de la collaboration OP/IMF qui ont fait ensuite l’objet des chantiers de travail de l’atelier. Les témoignages et débats ont permis de dégager des éléments de diagnostic :

  • dans un contexte agricole de plus en plus difficile, marqué par le désengagement de l’Etat, toutes les organisations paysannes sont aujourd’hui confrontées à la question du financement de l’agriculture, sous ses différentes formes (financement des producteurs membres des OP, mais aussi financement de l’OP elle-même) ;
  • les OP du Niger sont à des stades variés de la réflexion sur cette question du financement : certaines d’entre elles sont simplement au stade de la prise de conscience, de la formulation du problème ; d’autres sont en mesure d’analyser clairement leurs besoins de financement ; au stade suivant, elles ont prospecté l’offre de financement existante et sont en mesure d’en faire un diagnostic ; certaines d’entre elles ont démontré de fortes capacités à mobiliser des financement auprès des bailleurs de fonds et à expérimenter différentes formes de financement ;
  • alors que les expériences sont relativement riches et variées, la communication entre les OP sur ces questions reste très limitée ;
  • les IMF de leur coté se développent, elles ont besoin de s’ouvrir à des nouveaux segments de marché et se tournent donc souvent vers les organisations paysannes.

Les bases d’un nouveau partenariat sont donc esquissées. Mais différents problèmes subsistent et constituent des facteurs de blocage de ce partenariat. Trois d’entre eux ont été retenus comme « chantiers» de travail de l’atelier :

  • « Comment construire la confiance entre OP et IMF ? »
  • « Comment mobiliser des ressources financières adaptées au financement de l’agriculture ? »
  • « Comment mieux adapter l’offre financière des IMF aux besoins des OP ? »

Chacun de ces chantiers a fait l’objet d’exposés d’expériences réalisées au Niger ou ailleurs, puis d’approfondissement par un groupe de travail, composé de manière équilibré d’IMF, d’OP et de partenaires du développement, chargés d’identifier les conditions de développement d’une démarche appropriée au Niger et de dégager un plan d’action sur ce thème.

Autor B. Wampfler
Editor CIRAD / GRET N
Idioma Principal Francés (fr)
Región / País Global
Palabras clave Instituciones Financieras
Recursos Relacionados
How has the microfinance industry grown in Arab States? Report 2004

view page
Este recurso aparece en: África

This survey is the third in a series of publications documenting the state of microfinance in the Arab States Region and tracking the development of this young industry over time.

The paper describes the characteristics of stages through which microfinance sector develops:

  • Start-up Phase: Introducing semiformal microfinance activities as experimental pilot projects.
  • Expansion Phase: Successful microfinance institutions (MFIs) concentrating on expanding the scale of their existing operations
  • Consolidation Phase: Successful MFIs starting to focus on overall sustainability.
  • Integration Phase: Leading MFIs becoming integral part of the formal financial sector.

The report gives regional overview of the microfinance sector in the Arab States. It highlights:

  • Significant growth in outreach: Increase in the number of borrowers from 129,000 to over 710,000.
  • Limited market penetration: Microfinance serves only 22% of the rural populations. An estimated 3 million entrepreneurial poor still lack access to finance.
  • Lack of product diversification: Microfinance services in the region remain credit oriented.

For the development of microfinance, the paper recommends:

  • Supporting retail institutions: to encourage the entrance of more specialized financial institutions in the market.
  • The final integration of the microfinance sector into the formal financial system with the full support of national governments and an enabling policy environment.
Autor Brandsma, J.; Burjorjee, D.
Editor Espace Finance
Número de Páginas 4 pp.
Idioma Principal Inglés (en)
Región / País Global, Africa, África del Norte
Palabras clave Microfinanzas Agrícola, Desarrollo Del Sector Financiero
Recursos Relacionados

Search Library Resources