Access to credit

Credit Enhancement/Loan Portfolio Guarantee Program

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Title: Credit Enhancement/Loan Portfolio Guarantee Program

Country: Moldova

Primary Focus: Financial Services
     
Start Date: 2003

Objective: USAID's DCA loan portfolio guarantee facility encourages banks to grant credit to farmers and SMEs by facilitating access to capital, cash markets and technical know-how. This risk-sharing alternative for mobilizing private capital helps alleviate the lack of financing to micro and small businesses, and small farmers for short, medium- and long-term loans.

Access to Credit Project

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Title: Access to Credit Project

Country: Moldova

Primary Focus: Financial Services
     
Start Date: 2004

AgCLIR Lessons from the Field: Getting Credit

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Attached Document: 
application/pdf iconAgCLIR - Getting Credit.pdf
Source: 
USAID/BizCLIR
Document Type: 
PDF
Date: 
January 10, 2011

There are special risks for providers of agricultural credit including seasonality of production, geographic pockets of business failure, producers’ inability to use real or movable property as collateral, and difficulties in enforcing contracts on intangible property. AgCLIR Lessons from the Field: Getting Credit is a briefer that highlights the specific issues that must be addressed in regards to the local legal, regulatory, and institutional environments in starting an agribusiness. 

 

AgCLIR Chapter: Getting Credit

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Virtually all modern businesses rely upon credit: for operations, to bridge the gap between production of products and payment for them; for investment, as buildings and capital equipment are generally multiples of annual revenues; and to cover swings in supply and demand conditions.

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