Publication:
Turkey : Rural Finance Study, Volume 1. Main Report

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dc.contributor.authorWorld Bank
dc.date.accessioned2013-03-25T14:12:08Z
dc.date.available2013-03-25T14:12:08Z
dc.date.issued2006-05
dc.description.abstractOver the past five years in Turkey, the agricultural and rural sector has seen substantial change in transfer policies which now place greater emphasis on improved equity and investment. These have been summarized in the earlier World Bank "Review of the Impact of the Reform of Agricultural Sector Subsidization (2004), and "Policy and Investment Priorities for Agricultural and Rural Development" (2005). Currently, the structural changes in the agricultural sector and rural employment generation in response to labor shedding in the agricultural sector are key challenges to which Turkey is responding in the design of and agricultural and rural development strategy. However, the impact of government transfers and public investment policies in the rural sector will be limited unless the supply of, access to, and demand for rural financial services is significantly increased. For these reasons, the Turkey Rural Finance study (RFS) seeks to establish a policy agenda for the Government of Turkey (GOT) in order to contribute to the effort of renewed growth of the rural financial system after a period of prolonged decline. In order to inform this policy agenda, the study also has aimed at portraying the situation of rural financial markets in Turkey and determining the factors influencing the use of financial services by rural households and the constraints affecting the availability of financial services in rural areas. The findings and measures recommended by this study are also important for Turkey's on-going rural sector dialogue with the European Commission (EC), as increased access of small rural enterprises to financial services is desired for improved absorption by these enterprises of EC funding under the Instrument for Pre-Accession programs in rural areas. The findings of the RFS, based on two surveys of rural households and financial intermediaries carried out in 2004 and on other financial data compiled in 2005, reveal that rural financial markets perform relatively poorly, leading to low incidences in the use of financial services by rural households and therefore limiting their ability to take advantage of growth opportunities and/or accumulation of assets. For example while the agricultural sector accounts for roughly 10-15 percent of GDP, it receives only 5 percent of all bank loans. Based on the survey of rural households, over 70 percent of rural households were found to be credit constrained, and only 9 percent of surveyed rural households reported making investment outlays in 2004.en
dc.identifierhttp://documents.worldbank.org/curated/en/2006/05/16407756/turkey-rural-finance-study-vol-1-2
dc.identifier.doi10.1596/12882
dc.identifier.urihttps://hdl.handle.net/10986/12882
dc.languageEnglish
dc.language.isoen_US
dc.publisherWashington, DC
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO MARKET
dc.subjectACCESS TO SAVINGS
dc.subjectADVISORY SERVICES
dc.subjectAGRICULTURAL ACTIVITIES
dc.subjectAGRICULTURAL CREDIT
dc.subjectAGRICULTURAL DEVELOPMENT BANK
dc.subjectAGRICULTURAL INCOME
dc.subjectAGRICULTURAL SECTOR
dc.subjectAGRICULTURE ORGANIZATION
dc.subjectATM CARDS
dc.subjectBANK ASSETS
dc.subjectBANK LENDING
dc.subjectBANK LOANS
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBANKRUPTCY
dc.subjectBANKS
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectBROAD ACCESS
dc.subjectBUSINESS ASSOCIATIONS
dc.subjectBUSINESS MANAGEMENT
dc.subjectBUSINESS PLAN
dc.subjectCAPACITY BUILDING
dc.subjectCAPITAL ADEQUACY
dc.subjectCASH FLOW
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKING
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMODITY EXCHANGES
dc.subjectCONSUMER CREDITS
dc.subjectCONSUMER LENDING
dc.subjectCOOPERATIVE BANKS
dc.subjectCOOPERATIVES
dc.subjectCREDIT ANALYSES
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT CARD
dc.subjectCREDIT CONSTRAINTS
dc.subjectCREDIT COOPERATIVE
dc.subjectCREDIT COOPERATIVES
dc.subjectCREDIT FLOWS
dc.subjectCREDIT HISTORIES
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT INSTITUTIONS
dc.subjectCREDIT LINE
dc.subjectCREDIT LINES
dc.subjectCREDIT MARKET
dc.subjectCREDIT MARKETS
dc.subjectCREDIT POLICIES
dc.subjectCREDIT PROGRAMS
dc.subjectCREDIT PROVIDERS
dc.subjectCREDIT REGISTRY
dc.subjectCREDIT SCHEMES
dc.subjectCREDIT UNIONS
dc.subjectCREDITOR
dc.subjectCREDITORS
dc.subjectCREDITS
dc.subjectCREDITWORTHINESS
dc.subjectCROP FAILURES
dc.subjectCROP INSURANCE
dc.subjectDEBT
dc.subjectDEMAND FOR SAVINGS
dc.subjectDEPOSIT
dc.subjectDEPOSIT INSURANCE
dc.subjectDEPOSIT-TAKING COOPERATIVE
dc.subjectDEPOSITORY FINANCIAL INSTITUTIONS
dc.subjectDEPOSITS
dc.subjectDEVELOPMENT BANKS
dc.subjectDIRECTED CREDIT
dc.subjectDIVERSIFICATION
dc.subjectECONOMIC ACTIVITIES
dc.subjectECONOMIC DEVELOPMENT
dc.subjectECONOMIES OF SCALE
dc.subjectELECTRONIC TRANSFERS
dc.subjectENTREPRENEURS
dc.subjectEXCHANGE RATE
dc.subjectFAMILIES
dc.subjectFARMER
dc.subjectFARMERS
dc.subjectFINANCIAL AGENCY
dc.subjectFINANCIAL ASSETS
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL EDUCATION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL LIBERALIZATION
dc.subjectFINANCIAL MARKET
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL NEEDS
dc.subjectFINANCIAL OUTREACH
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL RESOURCES
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SERVICES INDUSTRY
dc.subjectFINANCIAL VIABILITY
dc.subjectFIXED COSTS
dc.subjectFORMAL SAVINGS
dc.subjectGOVERNMENT INTERVENTIONS
dc.subjectGOVERNMENT POLICIES
dc.subjectGOVERNMENT POLICY
dc.subjectGOVERNMENT SECURITIES
dc.subjectGROWTH OPPORTUNITIES
dc.subjectHIGH INTEREST RATES
dc.subjectHOUSEHOLD FINANCE
dc.subjectHOUSEHOLDS
dc.subjectHUMAN CAPITAL
dc.subjectINFORMAL INSURANCE
dc.subjectINFORMATION TECHNOLOGY
dc.subjectINSTITUTIONAL CAPACITY
dc.subjectINSTITUTIONAL CAPACITY BUILDING
dc.subjectINSTITUTIONAL REFORMS
dc.subjectINSURANCE SERVICES
dc.subjectINTEREST RATE
dc.subjectINTEREST SUBSIDIES
dc.subjectINVESTMENT OPPORTUNITIES
dc.subjectKEY CHALLENGES
dc.subjectLAND REGISTRATION
dc.subjectLEGAL REQUIREMENTS
dc.subjectLENDER
dc.subjectLENDERS
dc.subjectLENDING DECISIONS
dc.subjectLIVESTOCK INSURANCE
dc.subjectLOAN
dc.subjectLOAN APPLICANTS
dc.subjectLOAN APPLICATIONS
dc.subjectLOAN FUNDS
dc.subjectLOAN OFFICERS
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN PRODUCT
dc.subjectLOAN PRODUCTS
dc.subjectLOAN RECOVERY
dc.subjectLOAN REPAYMENT
dc.subjectLOANABLE FUNDS
dc.subjectMARKET DEVELOPMENT
dc.subjectMARKET INFORMATION
dc.subjectMFIS
dc.subjectMICRO FINANCE
dc.subjectMICRO-ENTERPRISES
dc.subjectMICRO-FINANCE
dc.subjectMICRO-FINANCE INSTITUTIONS
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMONEY LAUNDERING
dc.subjectNEW BUSINESS
dc.subjectNUTRITION
dc.subjectOPERATING COSTS
dc.subjectOPERATIONAL COSTS
dc.subjectOUTSTANDING BALANCES
dc.subjectOUTSTANDING DEBTS
dc.subjectPOLICY ENVIRONMENT
dc.subjectPOOR CREDIT
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATE LENDERS
dc.subjectPRIVATIZATION
dc.subjectPROFIT MARGINS
dc.subjectPROVISION OF CREDIT
dc.subjectPUBLIC CREDIT
dc.subjectPUBLIC INVESTMENT
dc.subjectREAL ESTATE
dc.subjectREGISTRATION SYSTEMS
dc.subjectREMITTANCES
dc.subjectREPAYMENT
dc.subjectREPAYMENT RATES
dc.subjectRISK MANAGEMENT
dc.subjectRISK MITIGATION
dc.subjectRURAL BORROWERS
dc.subjectRURAL BUSINESS
dc.subjectRURAL CLIENTS
dc.subjectRURAL CREDIT
dc.subjectRURAL CREDITS
dc.subjectRURAL FINANCE
dc.subjectRURAL FINANCIAL SERVICE
dc.subjectRURAL FINANCIAL SERVICES
dc.subjectRURAL FINANCIAL SYSTEM
dc.subjectRURAL LOAN
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS PRODUCTS
dc.subjectSAVINGS SERVICES
dc.subjectSECURITIES
dc.subjectSMART CARDS
dc.subjectSOURCE OF FUNDS
dc.subjectSOURCES OF FINANCE
dc.subjectSOURCES OF INCOME
dc.subjectSTART UP CAPITAL
dc.subjectSTART-UP
dc.subjectSTART-UP GRANTS
dc.subjectSUBSIDIZATION
dc.subjectSUPPLY OF CREDIT
dc.subjectTAX INCENTIVES
dc.subjectTECHNICAL ASSISTANCE
dc.subjectTERM CREDITS
dc.subjectTRANSACTION COST
dc.subjectTRANSACTION COSTS
dc.subjectTRANSACTIONS COST
dc.subjectTRANSACTIONS COSTS
dc.subjectUNFAIR COMPETITION
dc.subjectUNION
dc.subjectUNIONS
dc.subjectURBAN AREAS
dc.subjectVILLAGE
dc.subjectVILLAGES
dc.subjectWAREHOUSE
dc.subjectWAREHOUSE RECEIPT
dc.subjectWAREHOUSE RECEIPTS
dc.subjectWAREHOUSES
dc.subjectWIRE TRANSFERS
dc.subjectWORKING CAPITAL
dc.titleTurkey : Rural Finance Study, Volume 1. Main Reporten
dspace.entity.typePublication
okr.date.disclosure2012-07-10
okr.date.doiregistration2025-05-07T11:28:34.498387Z
okr.doctypeEconomic & Sector Work::Other Rural Study
okr.doctypeEconomic & Sector Work
okr.docurlhttp://documents.worldbank.org/curated/en/2006/05/16407756/turkey-rural-finance-study-vol-1-2
okr.globalpracticeFinance and Markets
okr.globalpracticeTrade and Competitiveness
okr.guid777241468122088555
okr.guid174131468318871688
okr.identifier.externaldocumentum000425970_20120621102612
okr.identifier.internaldocumentum16407756
okr.identifier.report69968
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2012/06/21/000425970_20120621102612/Rendered/PDF/699680v10ESW0P00Final0June120clean.pdfen
okr.region.administrativeEurope and Central Asia
okr.region.countryTurkiye
okr.sectorFinance :: Micro- and SME finance
okr.sectorAgriculture, fishing, and forestry
okr.sectorFinance :: Banking
okr.themeRural development :: Rural services and infrastructure
okr.themeRural development :: Rural policies and institutions
okr.themeRural development :: Rural markets
okr.themeFinancial and private sector development :: Small and medium enterprise support
okr.topicBanks and Banking Reform
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicPrivate Sector Development::Emerging Markets
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicFinance and Financial Sector Development::Bankruptcy and Resolution of Financial Distress
okr.unitSustainable Devmt Sector Unit (ECSSD)
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