tailieunhanh - Project GCP/SYR/006/ITA Assistance in Institutional Strengthening and Agricultural Policy: Agricultural Credit

After CFA made a random selection of the time frame from which credit files were to be analyzed, a generic number was assigned to keep the nameless study data from each study file separated from other study files. No copies or partial copies of any credit reports, on paper or electronically, were removed from any credit reporting agency location. Anonymous credit scores and an analysis of the credit data, as reviewed by credit reporting agency personnel for security and industry knowledge, was supervised and recorded by the CFA researcher for tabulation. The data elements recorded in this. | FAO Government of Italy Cooperative Programme Food and Agriculture Organization of the United Nations Ministry of Agriculture and Agrarian Reform Italian Cooperation Project GCP SYR 006 ITA Assistance in Institutional Strengthening and Agricultural Policy Final Report on Agricultural Credit Parthasaraty FAO International Consultant Damascus - Syria October 2001 - Opinions and judgments expressed are the authors only. FAO proposes the text as basis for starting the discussion among scholars and policy makers on the issues related to the subject of the study. Final and Cleared Report on Credit TABLE OF CONTENTS Nos. Chapters Page Executive Summary 6 1 Background 17 2 Agricultural Setting 19 3 Administrative Set-up 20 4 Policy Environment 21 5 Macroeconomic and Monetary Policies and the Financial Sector Monetary and Credit Policy - Role of Central Bank - Recent Monetary and Credit Developments - Liquidity - Interest Rate Policy 22 6 Financial System Structure - Credit Sources - ACB its operational aspects resource needs profitability - Other Banks - Cooperatives - Overview 26 7 Credit Sources for Rural Households Loan Modes - Products - Modalities of Access - Alternative Sources - Security and Recovery - Disbursements - Interest Structure - Implicit Interest rates -Observations - Demand Potential 34 8 Capital Needs of Service Providers and Agro-processing Sector Distribution Credit - Re-distribution Credit - Credit for Post-harvest Activities -Potential Demand - Low Participation of Private Sector - Alternative Sources and Implications 42 9 Savings Products - Mobilization 49 10 Subsidy on Interest Estimate of Subsidy - Subsidy Dependence Index 50 11 Objectives Instruments Decision Process and Linkage with Agriculture Sector Policies Agricultural Policy Implications for Rural Financial System - Outreach - Credit delivery - Credit Planning - Autonomy - Delegation of Authority - Observations 53 12 Impact on Agricultural and Agro-industrial Performance 59 13 .