Providing Financial Services in Rural Areas : A Fresh Look at Financial Cooperatives

World Bank

Publication:
Providing Financial Services in Rural Areas : A Fresh Look at Financial Cooperatives

dc.contributor.author	World Bank
dc.date.accessioned	2012-06-13T18:56:09Z
dc.date.available	2012-06-13T18:56:09Z
dc.date.issued	2007
dc.description.abstract	This report demonstrates that financial cooperatives can be sustainable providers of financial services in rural areas and development assistance needs to consider supporting them as a means to enhance access to rural finance. It does not suggest that financial cooperatives are the only providers or the preferred channel in all circumstances. For financial cooperatives to function as sustainable institutions, governments need to provide an enabling environment, not exercise excessive control that restricts growth and consolidation, and not use them as channels to provide subsidized credit. Integration into networks has wide-ranging benefits for financial cooperatives, ranging from improved governance to the ability to provide a wide range of services.	en
dc.identifier	http://documents.worldbank.org/curated/en/2007/01/15403665/providing-financial-services-rural-areas-fresh-look-financial-cooperatives
dc.identifier.uri	http://hdl.handle.net/10986/7935
dc.language	English
dc.publisher	Washington, DC
dc.rights	CC BY 3.0 IGO
dc.rights.holder	World Bank
dc.rights.uri	http://creativecommons.org/licenses/by/3.0/igo/
dc.subject	ACCESS TO ATMS
dc.subject	ACCESS TO CREDIT
dc.subject	ACCESS TO FINANCIAL SERVICES
dc.subject	ACCESS TO INSURANCE
dc.subject	ACCESS TO RURAL FINANCE
dc.subject	ACCESS TO SERVICES
dc.subject	ACCOUNTING
dc.subject	ADVISORY SERVICES
dc.subject	AGRICULTURAL BANK
dc.subject	AGRICULTURAL COOPERATIVES
dc.subject	AGRICULTURAL CREDIT
dc.subject	AGRICULTURAL DEVELOPMENT BANKS
dc.subject	APEX BANK
dc.subject	AUDITING
dc.subject	AUTONOMY
dc.subject	BALANCE SHEET
dc.subject	BALANCE SHEETS
dc.subject	BANK ACCOUNT
dc.subject	BANK BRANCH
dc.subject	BANK CUSTOMERS
dc.subject	BANKING LAW
dc.subject	BANKING SECTOR
dc.subject	BANKING SERVICES
dc.subject	BANKRUPTCY
dc.subject	BANKRUPTCY LAWS
dc.subject	BORROWING
dc.subject	CAPACITY BUILDING
dc.subject	CAPITAL BASE
dc.subject	CAPITAL REQUIREMENTS
dc.subject	CENTRAL BANK SUPERVISION
dc.subject	CHECK CASHING
dc.subject	COLLATERAL
dc.subject	COMMERCIAL BANK
dc.subject	COMMERCIAL BANKING
dc.subject	COMMERCIAL BANKS
dc.subject	COMMERCIAL CREDIT
dc.subject	COMMERCIAL ENTERPRISES
dc.subject	COMMERCIAL PROPERTY
dc.subject	CONSOLIDATION
dc.subject	CONSUMER COOPERATIVES
dc.subject	COOPERATIVE BANK
dc.subject	COOPERATIVE BANKING
dc.subject	COOPERATIVE BANKS
dc.subject	COOPERATIVE DEVELOPMENT
dc.subject	COOPERATIVES
dc.subject	CORRUPTION
dc.subject	CREDIT ASSOCIATIONS
dc.subject	CREDIT CARDS
dc.subject	CREDIT COOPERATIVE
dc.subject	CREDIT COOPERATIVES
dc.subject	CREDIT GROUPS
dc.subject	CREDIT INSTITUTIONS
dc.subject	CREDIT LAW
dc.subject	CREDIT LINES
dc.subject	CREDIT POLICIES
dc.subject	CREDIT PROGRAM
dc.subject	CREDIT RISK
dc.subject	CREDIT RISKS
dc.subject	CREDIT SOCIETY
dc.subject	CREDIT UNION
dc.subject	CREDIT UNIONS
dc.subject	CREDITWORTHINESS
dc.subject	CROP FAILURE
dc.subject	CUSTOMER BASE
dc.subject	DEPOSIT
dc.subject	DEPOSIT ACCOUNT
dc.subject	DEPOSIT ACCOUNTS
dc.subject	DEPOSIT INSURANCE
dc.subject	DEPOSITORS
dc.subject	DEPOSITS
dc.subject	DEVELOPMENT ASSISTANCE
dc.subject	DEVELOPMENT BANK
dc.subject	DEVELOPMENT COMPANY
dc.subject	DISCRIMINATION
dc.subject	DIVERSIFICATION
dc.subject	DONOR SUPPORT
dc.subject	ECONOMIC ACTIVITY
dc.subject	ECONOMIC DEVELOPMENT
dc.subject	ECONOMIC GROWTH
dc.subject	ECONOMIC OPPORTUNITIES
dc.subject	ECONOMIES OF SCALE
dc.subject	EMPLOYMENT
dc.subject	ENFORCEMENT MECHANISMS
dc.subject	ENTREPRENEURS
dc.subject	EQUIPMENT PURCHASES
dc.subject	EXPLICIT SUBSIDIES
dc.subject	FACILITATION
dc.subject	FAMILIES
dc.subject	FAMILY SUPPORT
dc.subject	FARM ENTERPRISES
dc.subject	FINANCES
dc.subject	FINANCIAL CAPACITY
dc.subject	FINANCIAL HEALTH
dc.subject	FINANCIAL INSTITUTION
dc.subject	FINANCIAL INSTITUTIONS
dc.subject	FINANCIAL INTERMEDIARY
dc.subject	FINANCIAL MANAGEMENT
dc.subject	FINANCIAL MARKET
dc.subject	FINANCIAL MARKETS
dc.subject	FINANCIAL OUTREACH
dc.subject	FINANCIAL PERFORMANCE
dc.subject	FINANCIAL PRODUCTS
dc.subject	FINANCIAL REGULATION
dc.subject	FINANCIAL RESOURCES
dc.subject	FINANCIAL SECTOR REGULATIONS
dc.subject	FINANCIAL SERVICE
dc.subject	FINANCIAL SERVICE PROVIDER
dc.subject	FINANCIAL SERVICE PROVIDERS
dc.subject	FINANCIAL SERVICES
dc.subject	FINANCIAL SERVICES PROVIDER
dc.subject	FINANCIAL STRENGTH
dc.subject	FINANCIAL SUPPORT
dc.subject	FINANCIAL SUSTAINABILITY
dc.subject	FINANCIAL SYSTEM
dc.subject	FINANCIAL VIABILITY
dc.subject	FIXED DEPOSIT
dc.subject	FOREIGN EXCHANGE
dc.subject	FORMAL BANKS
dc.subject	FORMAL FINANCIAL INSTITUTION
dc.subject	FORMAL FINANCIAL SECTOR
dc.subject	FORMS OF CREDIT
dc.subject	GENDER
dc.subject	GOVERNMENT INTERVENTION
dc.subject	HANDICRAFTS
dc.subject	HOUSEHOLDS
dc.subject	HOUSING
dc.subject	HOUSING LOANS
dc.subject	INDIVIDUALS
dc.subject	INFORMAL SAVINGS
dc.subject	INFORMATION SYSTEM
dc.subject	INFORMATION TECHNOLOGY
dc.subject	INSTITUTIONAL DEVELOPMENT
dc.subject	INSURANCE SERVICES
dc.subject	INTEREST RATE
dc.subject	INTEREST RATES
dc.subject	INTERNATIONAL BANK
dc.subject	INTERNATIONAL COOPERATIVE ALLIANCE
dc.subject	INVENTORY
dc.subject	KEY CHALLENGE
dc.subject	LAWS
dc.subject	LEGAL FRAMEWORK
dc.subject	LEGISLATION
dc.subject	LEVEL OF ASSETS
dc.subject	LIMITED
dc.subject	LINES OF CREDIT
dc.subject	LOAN
dc.subject	LOAN INSURANCE
dc.subject	LOAN PRODUCTS
dc.subject	LOANABLE FUNDS
dc.subject	LOW INTEREST RATES
dc.subject	MANAGERS
dc.subject	MARKET ECONOMIES
dc.subject	MFIS
dc.subject	MICRO LOANS
dc.subject	MICROFINANCE
dc.subject	MICROFINANCE INSTITUTIONS
dc.subject	MINISTRIES OF FINANCE
dc.subject	MONEY LENDERS
dc.subject	MONEY TRANSFER
dc.subject	MONEYLENDERS
dc.subject	MONOPOLY
dc.subject	NATURAL RESOURCES
dc.subject	NEW MARKET
dc.subject	OUTREACH
dc.subject	OUTSTANDING LOANS
dc.subject	OVERHEAD COSTS
dc.subject	PARTNERSHIP
dc.subject	PEER REVIEW
dc.subject	PENSIONS
dc.subject	PERSONS
dc.subject	POSTAL SAVINGS
dc.subject	PRODUCTIVITY
dc.subject	PROFITABILITY
dc.subject	PROVIDERS OF CREDIT
dc.subject	PRUDENTIAL REGULATIONS
dc.subject	RECEIPTS
dc.subject	REGULATORY FRAMEWORK
dc.subject	REMITTANCE
dc.subject	REMITTANCES
dc.subject	REPAYMENT
dc.subject	REPAYMENT RATES
dc.subject	RETIREMENT
dc.subject	RISK MANAGEMENT
dc.subject	RURAL BRANCH
dc.subject	RURAL BRANCHES
dc.subject	RURAL COOPERATIVE BANKS
dc.subject	RURAL CREDIT
dc.subject	RURAL FINANCE
dc.subject	RURAL FINANCIAL INSTITUTIONS
dc.subject	RURAL FINANCIAL SERVICES
dc.subject	RURAL FINANCIAL SYSTEMS
dc.subject	SAVINGS
dc.subject	SAVINGS ACCOUNT
dc.subject	SAVINGS ACCOUNTS
dc.subject	SAVINGS BANKS
dc.subject	SAVINGS GROUPS
dc.subject	SAVINGS PRODUCTS
dc.subject	SECURITIES
dc.subject	SELF-FINANCING
dc.subject	SHAREHOLDERS
dc.subject	SMALL FARMERS
dc.subject	SMALL LOANS
dc.subject	SMALLHOLDER
dc.subject	SOCIAL WELFARE
dc.subject	SOCIETIES
dc.subject	SOLVENCY
dc.subject	SPECIAL SAVINGS
dc.subject	STAKEHOLDERS
dc.subject	STATE BANKS
dc.subject	SUBSIDIARY
dc.subject	SUPERVISORY FRAMEWORK
dc.subject	TAX EXEMPT
dc.subject	TECHNICAL ASSISTANCE
dc.subject	TERM CREDIT
dc.subject	TIME DEPOSITS
dc.subject	TRANSPORT
dc.subject	UNION
dc.subject	UNIONS
dc.subject	URBAN AREAS
dc.subject	VILLAGE
dc.subject	VILLAGES
dc.subject	WORKING CAPITAL
dc.title	Providing Financial Services in Rural Areas : A Fresh Look at Financial Cooperatives	en
dspace.entity.type	Publication
okr.date.disclosure	2011-10-28
okr.doctype	Economic & Sector Work :: Other Financial Sector Study
okr.doctype	Economic & Sector Work
okr.docurl	http://documents.worldbank.org/curated/en/2007/01/15403665/providing-financial-services-rural-areas-fresh-look-financial-cooperatives
okr.globalpractice	Poverty
okr.globalpractice	Finance and Markets
okr.globalpractice	Governance
okr.identifier.externaldocumentum	000333037_20111030232756
okr.identifier.internaldocumentum	15403665
okr.identifier.report	40043
okr.language.supported	en
okr.pdfurl	http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2011/10/30/000333037_20111030232756/Rendered/PDF/400430ESW00WHI0Areas0BOX00SECURITY0.pdf	en
okr.sector	Micro- and SME finance
okr.sector	General finance sector
okr.topic	Law and Development :: Corporate Law
okr.topic	Banks and Banking Reform
okr.topic	Poverty Reduction :: Rural Poverty Reduction
okr.topic	Finance and Financial Sector Development :: Access to Finance
okr.topic	Finance and Financial Sector Development :: Non Bank Financial Institutions
okr.unit	Agriculture & Rural Dvmnt (ARD)
okr.volume	1 of 1