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Credit & Savings for Development
Devereux, Stephen Pares, Henry Best, John
Devereux, Stephen
Pares, Henry
Best, John
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1990-01-01
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Book
Pages
81
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English book
Adobe PDF, 3.82 MB
Description
Poor people in Third World countries often have no access to credit for either short-term needs or long-term investment in their small business enterprises. Even when credit is available, the high rates of interest charged may lead to permanent indebtedness. This book examines various methods of making credit available to poor people as part of a strategy of poverty alleviation. Often, credit can be generated from savings and different forms of credit and savings schemes are examined. The provision of credit is most effective when combined with advice and training as part of a comprehensive development initiative.
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English
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Table of contents
Introduction; Part One An Approach to Rural Credit and Savings; 1 The rural economy; 2 Rural financial institutions; Part Two Issues Raised in the Implementation of Credit and Savings Programmes; 3 Access to credit; 4 Creditworthiness; 5 Default; 6 Savings; 7 Programme design; 8 Participation; 9 Dependency; Conclusion; Appendix Identifying rural financial needs; Flowchart of decision rules; Checklists 1-4
Series
Oxfam Development Guidelines
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ISBN
978-0-85598-160-0