World Bank2013-03-152013-03-152011-12-22https://hdl.handle.net/10986/12784The main objective of this study is to identify the major impediments to access to financial services in rural areas, and provide practical recommendations to address the identified problems. The study aims to inform on rural finance policies and innovative instruments by examining both supply and demand sides including an identification of non-financial issues that restrict development of the rural financial sector. Addressing the lack of rural access to financial services in the Niger development process continues to figure prominently on the Government agenda without, however, a systematic action plan and strategy. Adopting ad hoc solutions (such as the creation of an agricultural development bank) without addressing the structural issues that limit access to financial services will, unfortunately, not yield any positive long lasting results.en-USCC BY 3.0 IGOACCESS TO CREDITACCESS TO FINANCEACCESS TO FINANCIAL SERVICESACCESS TO FINANCINGACCESS TO LOANSACCESS TO RURAL FINANCEACCOUNTINGAGRICULTURAL ACTIVITIESAGRICULTURAL BANKAGRICULTURAL COOPERATIVESAGRICULTURAL CREDITAGRICULTURAL DEVELOPMENT BANKAGRICULTURAL FINANCEAGRICULTURAL PRODUCTSAGRICULTURAL SECTORAGRICULTURAL SECTORSAGRICULTURAL TRADEAGRICULTURE BANKSAUTOMATED TELLER MACHINESBANK ACCOUNTBANK ACCOUNTSBANK BRANCHBANK BRANCHESBANK CREDITBANK CREDITSBANK FINANCINGBANK LENDINGBANK LOANBANK LOANSBANKING LAWBANKING SECTORBANKING SERVICESBANKING SUPERVISIONBANKSBORROWERBORROWINGBUSINESS DEVELOPMENTBUSINESS LOANSBUSINESS MANAGEMENTBUSINESS OPPORTUNITIESBUSINESS PLANBUSINESS PLANSCAPACITY BUILDINGCAPITAL MARKETCASH FLOWCHECKING ACCOUNTCHECKING ACCOUNTSCOLLATERALCOLLATERAL REQUIREMENTSCOMMERCIAL BANKCOMMERCIAL BANKSCOMMERCIAL TRANSACTIONSCOOPERATIVESCREDIT APPLICATIONCREDIT APPLICATIONSCREDIT BUREAUCREDIT GUARANTEECREDIT HISTORIESCREDIT HISTORYCREDIT INSTITUTIONSCREDIT LIMITCREDIT NEEDSCREDIT RISKCREDIT SUBSIDYCREDITSCURRENCYDEBIT CARDSDECENTRALIZATIONDEMAND FOR CREDITDEPOSITDEPOSIT ACCOUNTDEPOSIT ACCOUNTSDEPOSITORDEPOSITORSDEPOSITSDEVELOPMENT BANKSDONOR FUNDINGDONOR SUBSIDIESDONOR SUBSIDYDONOR SUPPORTECONOMIC ACTIVITYECONOMIC GROWTHECONOMIES OF SCALEEIBENTREPRENEURSEQUIPMENT LOANSEXCHANGE RATEEXCLUSIONEXISTING BARRIERSEXPORT EARNINGSEXTERNALITIESFAMILIESFARMERFARMERSFINANCIAL ACCESSFINANCIAL DIFFICULTIESFINANCIAL INSTITUTIONFINANCIAL INSTITUTIONSFINANCIAL INSTRUMENTSFINANCIAL INTERMEDIATIONFINANCIAL LEASINGFINANCIAL LITERACYFINANCIAL MARKETFINANCIAL PERFORMANCEFINANCIAL PRODUCTSFINANCIAL RESOURCESFINANCIAL SECTOR ASSESSMENTFINANCIAL SECTOR DEVELOPMENTFINANCIAL SELF-SUFFICIENCYFINANCIAL SUPPORTFINANCIAL SYSTEMFINANCING NEEDSFISCAL POLICYFOREIGN EXCHANGEFORM OF COLLATERALFORMAL BANKINGGOVERNMENT FUNDINGGOVERNMENT POLICIESGOVERNMENT POLICYGROUP GUARANTEEHOUSEHOLDSHOUSINGINFLATIONINFORMAL LENDERSINFORMATION SYSTEMSINITIAL INVESTMENTINSTITUTIONAL CAPACITIESINSURANCEINTEREST RATEINTEREST RATE CEILINGSINTEREST RATESINTERNAL CONTROLSINVENTORYINVENTORY CREDITSINVESTMENT BANKINVESTMENT PLANLACK OF ACCESSLAND OWNERSHIPLAND USELAWSLEGAL FRAMEWORKLEGAL PROVISIONSLEGISLATIONLINE OF CREDITLINES OF CREDITLIQUIDATIONLOANLOAN APPLICATIONLOAN GUARANTEELOAN RECOVERYLOAN REQUESTSLOANS TO FARMERSLONG TERM FINANCINGMARKET INFORMATIONMERCHANTMERCHANTSMFIMFISMICRO CREDITMICRO FINANCEMICRO FINANCE INSTITUTIONSMICROFINANCEMICROFINANCE INSTITUTIONSMICROFINANCE LOANSMONEY LAUNDERINGMONEY TRANSFERSMORTGAGENATIONAL BANKSNATURAL RESOURCESNEGOTIABLE INSTRUMENTSNET WORTHNEW COMPANYNOMINAL INTEREST RATESOPERATING COSTSOPERATING RATIOOUTREACHPARTIAL CREDITPENSION FUNDPOSTAL BANKPRIVATE INVESTMENTPRODUCTIVITYPROFITABILITYRATES OF INTERESTREAL SECTORREGISTRATION OF MORTGAGESREGULATORY FRAMEWORKREPAYMENTREPAYMENTSRESOURCE MOBILIZATIONRISK MANAGEMENTRISK OF LOSSRURAL ACCESSRURAL BORROWERSRURAL CLIENTSRURAL CREDITRURAL FINANCERURAL FINANCE INSTITUTIONSRURAL FINANCIAL INSTITUTIONSRURAL FINANCIAL SERVICESRURAL FINANCINGSAVINGSSAVINGS ACCOUNTSMALL ENTERPRISESSMALL LOANSOCIAL DEVELOPMENTSTART-UPSUBSIDIARYSUPPLY CHAINSTECHNICAL ASSISTANCETECHNICAL SUPPORTTERM CREDITTRANSACTION COSTSTRANSACTIONS COSTSTRANSPORTUNIONUNIONSURBAN AREASUSURYVILLAGEVILLAGESWAREHOUSEWAREHOUSE RECEIPTWAREHOUSE RECEIPT SYSTEMWAREHOUSE RECEIPTSWORKING CAPITALWorld Bank10.1596/12784