How Legal Restrictions on Collateral Limit Access to Credit in Bolivia PDF Download
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Author:
Publisher:
ISBN:
Category : Credit
Languages : en
Pages : 154
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Book Description
Author:
Publisher:
ISBN:
Category : Credit
Languages : en
Pages : 154
Get Book Here
Book Description
Author: Heywood W. Fleisig
Publisher: World Bank Publications
ISBN: 082136491X
Category : Law
Languages : en
Pages : 120
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Book Description
Most readers, especially those with car loans or home mortgages, know about "collateral"--property that the lender can take away from the borrower in the event that the borrower defaults. In low/middle income countries, it is understood that conservative lenders exclude firms from credit markets with their excessive collateral requirements. Usually, this is because only some property is acceptable as collateral: large holdings of urban real estate and, sometimes, new motor vehicles. Microenterprises, SMEs, and the poor have little of this property but they do have an array of productive assets that could easily be harnessed to serve as collateral. It is only the legal framework which prevents firms from using these assets to secure loans. In countries with reformed laws governing collateral, property such as equipment, inventory, accounts receivable, livestock are considered excellent collateral. This book aims to better equip project managers to implement reforms to the legal and institutional framework for collateral (secured transactions). It discusses the importance of movable property as a source of collateral for firms, the relationship between the legal framework governing movable assets and the financial sector consequences for firms (better loan terms, increased access, more competitive financial sector), and how reforms can be put in place to change the lending environment.
Author: Frederique Dahan
Publisher: Edward Elgar Publishing
ISBN: 1848444923
Category : Law
Languages : en
Pages : 295
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Book Description
The book is unique. . . It brings together articles on the economics and the law of property rights, and combines these with case studies, observations of what works and what does not, and a checklist of things to watch for. . . This is a very useful book that should appeal to reformers working in the field, whether they are governmental officials trying to modernize their economies, or economists and lawyers working in developmental agencies. . . There are few other books or publications that bring together the views of experts working in this important, albeit somewhat neglected, are of financial sector plumbing. William P. Armstrong, Banking and Finance Law Review . . . a well-presented collection of interesting papers within which one finds a rich resource of information and perspectives on secured transactions reform from parts of the world which are often overlooked in comparative commercial law scholarship. Noel McGrath, Journal of Business Law . . . with its insightful analysis, interesting empirical studies and knowledgeable team of contributors, the book will be illuminating and useful not just for those interested in development, but also anyone who has anything to do with granting credit and taking security. Dora S. Neo, Singapore Journal of Legal Studies This is an excellent, unique book. The material is very well written and presented in a carefully thought-out, coherent way. It tells us a legal story of our own, unique time. Any lawyer working in transition economies, whether or not directly on reform projects, would find it of great interest. Even economists should perhaps take a look at it! Roger McCormick, Law and Financial Markets Review Secured transactions reform, also known as collateral or pledge law reform, is increasingly seen as an important building block for economic development. The commonly held view is that the availability and cost of credit, as well as the efficiency of the market for secured credit, are directly influenced by the laws affecting secured transactions and their implementation. However, there is still a lot of confusion about this relatively complex and technical area of the law and its role in promoting access to credit and economic growth. The chapters presented here provide, for the first time, a comprehensive and cutting-edge view of the subject from both a legal and economic perspective. They start at the macro level of financial systems, moving towards the behaviours of lenders (commercial banks and micro-lenders), policy options for government and the mechanisms of collateral law reform. By approaching the subject from different angles and experiences, the work advocates an inclusive approach to the subject where all stakeholders interests can be taken into account. It addresses the question of what role laws and institutions can play to encourage access to credit. This book will be of primary interest to those involved in economic development and the interaction between law and economics, either for practical reasons (for example, working on reform or providing advice on investment in transition economies) or for research purposes.
Author: Inter-American Development Bank
Publisher: IDB
ISBN: 1886938369
Category : Equality
Languages : en
Pages : 279
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Book Description
Statistical appendix: pp. 203-282.
Author: Iwan Davies
Publisher: Routledge
ISBN: 1351731513
Category : Social Science
Languages : en
Pages : 471
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Book Description
This title was first published in 2002: This collection of essays marks the formal launch of the Centre for Instalment Credit Law at the University of Wales, Swansea. Divided into three sections, it examines the concept of security within domestic law; considers the choice of law rules; and ponders development of uniform law.
Author: Sonali Abeyratne
Publisher: Routledge
ISBN: 1351791397
Category : Law
Languages : en
Pages : 246
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Book Description
This title was first published in 2001. A developing country that is pursuing free market economic policies requires a modern commercial law infrastructure, which enables the emerging economy to have in place properly functioning credit and other financial systems which stimulate domestic and foreign investment. This book provides a comparative analysis of the law and practice of debt recovery in India, Sri Lanka and Malaysia, demonstrating that a suitable debt-recovery system for a developing economy requires not only good laws and judicial remedies, but also appropriate financial industry practices such as credit and loan supervision policies.
Author: N. Mathieu
Publisher: World Bank Publications
ISBN: 9780821342916
Category : Business & Economics
Languages : en
Pages : 108
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Book Description
Soon after its declaration of independence, Lithuania launched a program of market-based economic reforms that achieved remarkable results. However, a banking crisis erupted in January 1996, driven by a combination of ineffective bank supervision, poor bank practices, and deep-rooted sectoral imbalances. With financial support from the World Bank, Lithuanian authorities embarked on a broad economic reform program with two immediate objectives: the resolution of the banking system's operational and undercapitalization problems, and a reduction in the most severe imbalances in the economy. Volume I (see ordering information below) distills findings and conclusions and builds a policy action plan for fast stable growth. Volume II contains a collection of twelve policy notes that provide the technical analysis behind that plan. Also available: Volume II/Analytical Backgroung(ISBN 0-8213-4327-0) Stock no. 14327.
Author: J. Crabtree
Publisher: Springer
ISBN: 140390524X
Category : Political Science
Languages : en
Pages : 251
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Book Description
The book traces the twin processes of economic liberalization and political democratization in Bolivia since the 1980s, placing both in their historical context. By focusing on the issue of democratic 'viability', it seeks to raise the broader question of the relationship between democratization and the socio-economic context in which it takes place. In particular, it examines the institutional reforms of the early 1990s - praised by the World Bank and others - and considers their achievements and limitations.
Author: Bernd Balkenhol
Publisher: Routledge
ISBN: 1351741705
Category : Business & Economics
Languages : en
Pages : 207
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Book Description
As microfinance is increasingly being absorbed into broader debates on financial inclusion and sustainable development, there is a growing number of professionals operating in international relations and development who are often confronted with sweeping statements about the alleged benefits and risks of microfinance. This book provides a concise introduction to microfinance – the key issues, debates, research agenda and public policy relevance. Illustrated by real-life examples, the book’s sections also highlight key publications and data sources and identify gaps for future research. The book will be an invaluable resource both for development economists and for scholars in neighbouring disciplines who need to get up to speed quickly on the current debates and research in microfinance.
Author: Michael Joseph Fuchs
Publisher: World Bank Publications
ISBN: 9780821351611
Category : Business & Economics
Languages : en
Pages : 386
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Book Description
Russia's economy has come a long way during its first ten years of transition to a market economy. This publication examines the progress made within the Russian financial sector to promote banking reforms in order to build trust in the stability of the marketplace. The problems and potential solutions identified will also be of relevance to the financial sector within other transition economies.
