Author: Anna Wolff
Publisher: GRIN Verlag
ISBN: 3640585259
Category : Business & Economics
Languages : en
Pages : 105
Get Book Here
Book Description
Diploma Thesis from the year 2006 in the subject Economics - Case Scenarios, grade: 1,3, European University Viadrina Frankfurt (Oder) (Europa-Universität Viadrina / Reims Management School), language: English, abstract: The rural sector in development countries is characterized by high covariant risk, high client dispersion and lack of suitable collateral. These problems lead to high information asymmetry within the agricultural lending process. Because information is incomplete agricultural lending is costly. Consequently many micro finance institutions (MFIs) have concentrated their branches and activities in urban areas. Therefore scepticism is growing about their role in mobilising rural savings and offering rural lending services. Financial cooperatives demanding compulsory savings and enforcing group lending schemes are able to reduce information asymmetry and hence transaction costs of agricultural lending. Since the financial cooperative follows a minimalist approach, it does not offer non-financial services such as storage facilities, training in farming techniques or the treatment of agricultural produce. In order to enhance clients' ability to utilize credit, and thereby to improve their repayment rates, an MFI should follow the integrated approach. The MFI with an integrated approach offers credit combined with non-financial services. The grain bank is seen as a financial institution which links products and services of the financial cooperative with those of the integrated approach. The grain bank replaces physical cash with grains and farm inputs. Six main products are offered by the grain bank: savings in grain, input credit, inventory credit, household food security loan, storage services and training services. Further the grain bank provides access to input and output markets otherwise not available for the farmer. The Ghanaian "Centre for Agriculture and Rural Development" (CARD) is such a grain bank. The results show that CARD has a better financ
Author: Anna Wolff
Publisher: GRIN Verlag
ISBN: 3640585062
Category : Business & Economics
Languages : en
Pages : 102
Get Book Here
Book Description
Diploma Thesis from the year 2006 in the subject Economics - Case Scenarios, grade: 1,3, European University Viadrina Frankfurt (Oder) (Europa-Universität Viadrina / Reims Management School), language: English, abstract: The rural sector in development countries is characterized by high covariant risk, high client dispersion and lack of suitable collateral. These problems lead to high information asymmetry within the agricultural lending process. Because information is incomplete agricultural lending is costly. Consequently many micro finance institutions (MFIs) have concentrated their branches and activities in urban areas. Therefore scepticism is growing about their role in mobilising rural savings and offering rural lending services. Financial cooperatives demanding compulsory savings and enforcing group lending schemes are able to reduce information asymmetry and hence transaction costs of agricultural lending. Since the financial cooperative follows a minimalist approach, it does not offer non-financial services such as storage facilities, training in farming techniques or the treatment of agricultural produce. In order to enhance clients’ ability to utilize credit, and thereby to improve their repayment rates, an MFI should follow the integrated approach. The MFI with an integrated approach offers credit combined with non-financial services. The grain bank is seen as a financial institution which links products and services of the financial cooperative with those of the integrated approach. The grain bank replaces physical cash with grains and farm inputs. Six main products are offered by the grain bank: savings in grain, input credit, inventory credit, household food security loan, storage services and training services. Further the grain bank provides access to input and output markets otherwise not available for the farmer. The Ghanaian “Centre for Agriculture and Rural Development” (CARD) is such a grain bank. The results show that CARD has a better financial sustainability than other Ghanaian MFIs not operating as a grain bank. Although the study reveals that the outreach of CARD is not as encouraging as assumed, the clients seem to be satisfied with the services received by CARD. At the same time the results of the econometric analysis indicate that the provision of credit supplied by CARD increases farmer’s output with potential effects on income.
Author: W. H. Stahl
Publisher:
ISBN:
Category : Agriculture
Languages : en
Pages : 38
Get Book Here
Book Description
Author: William H. Stahl
Publisher:
ISBN:
Category : Feed industry
Languages : en
Pages : 27
Get Book Here
Book Description
Author: Richard John Herder
Publisher:
ISBN:
Category : Grain
Languages : en
Pages : 20
Get Book Here
Book Description
Author: Brian Levy
Publisher: Oxford University Press
ISBN: 0199363803
Category : Business & Economics
Languages : en
Pages : 285
Get Book Here
Book Description
The development discourse has long been dominated by best practices prescriptions for reform, but these are not a useful way of responding to the governance ambiguities of the early 21st century. Working with the Grain draws on both innovative scholarship and Brian Levy's quarter century of experience at the World Bank to lay out an alternative-a practical, analytically grounded, "with-the-grain" approach to reducing poverty and addressing weaknesses in governance. Best practice prescriptions confuse the goals of development with the journey of getting from here to there. A strong rule of law, capable and accountable governments, and a flexible, level playing field business environment are indeed desirable end points. But the ability to describe well-governed states does not conjure them into existence. If the only available actions are all or nothing, then efforts at change will almost certainly fall short, leading to disillusion and despair. By contrast, this book takes as its point of departure the realities of a country's economy, polity and society, and directs attention towards the challenges of initiating and sustaining forward development momentum. The book: -- distinguishes among four broad groups of countries, according to whether polities are dominant or competitive, and whether institutions are personalized or impersonal -- identifies alternative options for governance and policy reform-top down options which endeavor to strengthen formal institutions, and options supporting the emergence of "islands of effectiveness" -- explores how to identify entry points for change where there is a good fit between divergent country contexts and alternative options for reform. Sometimes the binding constraint to forward movement can be institutional, making governance reform the priority; at other times, the priority can better be on inclusive growth. Taking the decade-or-so time horizon of practitioners, the aim is to nudge things along-seeking gains that initially may seem quite modest but sometimes can give rise to a cascading sequence of change for the better.
Author: United States. Congress. House. Committee on Agriculture. Subcommittee on Wheat, Soybeans, and Feed Grains
Publisher:
ISBN:
Category : Farm produce
Languages : en
Pages : 108
Get Book Here
Book Description
Author: United States. Congress. House. Committee on Agriculture. Ad Hoc Subcommittee on Grain Elevator Bankruptcy
Publisher:
ISBN:
Category : Bankruptcy
Languages : en
Pages : 88
Get Book Here
Book Description
Author: Catherine Ford
Publisher: McClelland & Stewart
ISBN: 1551991446
Category : History
Languages : en
Pages : 268
Get Book Here
Book Description
A contrarian view of Alberta and Albertans from the outspoken and often controversial former Calgary Herald columnist. In 2005, Alberta celebrates its centenary: a hundred-year stretch that has seen the province catapulted from being little more than thinly populated grassland and mountain to one of Canada’s richest provinces, one with a fair claim to being perpetually misunderstood. Albertans, of course, are passionate about their province, even when to outsiders the sentiment is baffling. For instance, can a liberal feminist like renowned columnist Catherine Ford find happiness in a right-wing, neo-conservative province? The short form of Ford’s answer is “Yes, I can. But . . .” The long version is the intimate, revealing, entertaining, and opinionated picture of the province she paints in Against the Grain. On the surface, the province is monolithic in its politics, anti-gay, anti-feminist, anti-choice in its opinions, and macho in its demeanour. But Ford shows that this is a lopsided, outsider’s view of Alberta, and to prove it she takes readers on a tour from Calgary to Banff and Jasper, Fort McMurray, Edmonton, and beyond, pointing out the good, the bad, and the plain bewildering. Tough-minded but loving, Against the Grain gives outsiders the real goods on Alberta in this, its centenary year.
Author: Bruce L. Brooks
Publisher:
ISBN:
Category : Grain
Languages : en
Pages : 20
Get Book Here
Book Description
Extract: Grain banking is the term used to describe the action taken by a farmer or livestock feeder when grain is deposited with an elevator or feed mill and an equivalent amount of grain is withdrawn later in the form of a complete feed or grain ration to be returned to the farm.
