Оглавление
Robert M. Vogel. Rural and Microfinance in the Lower Mekong Region
RURAL AND MICROFINANCE IN THE LOWER MEKONG REGION
Contents
List of Tables, Figure, and Boxes
Abbreviations
Foreword
Acknowledgments
Executive Summary
Introduction and Background. Objective
Methodology
Scope of the Study
Recent Developments in Rural and Microfinance
Traditional and New Approaches to Rural and Microfinance
International Best Practices in Asia: Microfinance Institutions, Cooperatives, Private Commercial Banks, and Government-Owned Banks
Khan Bank: The Agricultural Bank of Mongolia, Successfully Reformed and Privatized
Bank Rakyat Indonesia and Its Unit Desas: Successful Reform Followed by Remarkable Growth
Land Bank of the Philippines: Surviving and Prospering in a Changing and Often Difficult Environment
A Comparison of the Three Banks
Cambodia: Broadening Services and Expanding Outreach. Overview of the Financial System
Approach to Rural and Agricultural Finance
Status of Key Rural Financial Institutions
ACLEDA Bank
Angkor Mikroheranhvatho Kampuchea
Amret
Sathapana Limited
Lutheran World Federation
Rural Development Bank
Summary
Outreach and Sustainability
Deposit Mobilization
Informal Finance
Financial Crises
Current Potential of and Constraints on Rural and Microfinance
Creating the Policy Environment
Creating and Strengthening the Financial Infrastructure
Institutional Development
Lao People’s Democratic Republic: Continuing Reforms and Capacity Building to Create a Robust Sector. Overview of the Financial System. Historical Background
The Formal Finance Sector before 2007
The Rural and Microfinance Sector by the End of 2007
The Approach to Micro-, Rural, and Agricultural Finance
Recent Developments in the Finance Sector and the Current Status of Key Micro and Rural Financial Institutions
The Agricultural Promotion Bank
Nonbank Microfinance Providers under the Jurisdiction of the Bank of the Lao PDR
Deposit-Taking Microfinance Institutions
Savings and Credit Unions
Non-Deposit-Taking Microfinance Institutions
Institutionalized Former Donor-Funded Microfinance Projects
Apex-Like Village Bank Associations
Community-Managed Loan Funds
Village Savings and Credit Groups
Village Revolving Funds
Outreach
Sustainability
Deposit Mobilization
Informal Finance
Financial Crises
Current Potential of and Constraints on Rural Finance
Creating the Policy Environment
Creating and Strengthening Financial Infrastructure
Institutional Development
Viet Nam: Reducing Government Dominance and Formalizing Microfinance. Overview of the Rural and Microfinance Sector
The Status of Key Rural and Microfinance Institutions
Vietnam Bank for Social Policies
People’s Credit Funds
Semiformal Microfinance Institutions
Outreach
Sustainability
Deposit Mobilization
Microfinance
Informal Finance
Financial Crises
Current Potential of and Constraints on Rural Finance
Creating the Policy Environment
Creating and Strengthening Financial Infrastructure
Institutional Development
Conclusions and Recommendations: Major Similarities and Differences among the Three Countries
A Key Element in the Financial Policy Environment: Regulation and Supervision
Government Interventions in Financial Markets and Their Impacts on Private Rural and Microfinance Institutions
Financial Products and Services
Outreach Issues
Building Infrastructure for a More Viable and Inclusive Finance Sector
Major Issues Facing the Rural and Microfinance Subsector and Its Readiness for “Take-Off”
Recommendations
Appendix 1: Microfinance Institution Survey Questionnaire. MICROFINANCE INSTITUTION PROFILE
Appendix 2: The Key Principles of Microfinance. Good Practice Guidelines by the Consultative Group to Assist the Poor
Appendix 3: Cambodia’s Rural and Microfinance as of Late 2003. Summarized from the Torres Report and Sources Therein
Appendix 4: Viet Nam’s Microfinance Institutions Visited for This Study. Capital Aid Fund for Employment of the Poor, Ho Chi Minh City
Tao Yeu May Fund
Binh Minh Community Development Consulting Company
Quang Binh Counterpart
References
