By Aurora Ferrari
This e-book offers the result of an entry to monetary companies survey administered to Nepali families in 2005 and explains what hinders entry by way of low source of revenue families and small companies to monetary associations. The stumbling blocks are pointed out at the foundation of an in-depth research of the functionality of the microfinance zone and of chosen banks.
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This book provides the result of an entry to monetary companies survey administered to Nepali families in 2005 and explains what hinders entry via low source of revenue families and small companies to monetary associations. The hindrances are pointed out at the foundation of an in-depth research of the functionality of the microfinance zone and of chosen banks.
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Additional resources for Access to Financial Services in Nepal (Directions in Development)
5 Household access to bank accounts by agroclimatic region, 2006 (percentage of households in each region) Region Terai Hills and Mountains. 9 Source: Access to Financial Services Survey 2006. 1 Source: Access to Financial Services Survey 2006. 1 Source: Access to Financial Services Survey 2006. were too complicated (these households were evenly spread across urban and rural areas, and among spending quintiles). As noted, financial NGOs and cooperatives are the second biggest provider of deposit accounts.
With credit lines, where businesses only have to repay interest, the bank is unlikely to realize that there is a problem until later, at which point it may be too late to take appropriate action and collateral may have disappeared. Furthermore, when problems develop with credit lines, the entire amount is usually outstanding and at risk—while with standard loans, clients have usually made a number of principal repayments, lowering losses to banks. Pricing policies that impede cost recovery Bank loans to small businesses do not seem to adequately reflect the cost of serving this market segment.
In addition, the banks did not have access to the future earnings of the migrants—for example, automatically deducting loan payments from their salaries. Four banks participated in the scheme, and almost the entire loan portfolio is in arrears. No other bank has since participated in the scheme. got them through family and friends, 27 through remittance companies, and just 24 percent through their bank account. Among the households surveyed, 47 percent considered speed the most valued feature of remittance providers, while 38 percent said reliability.
Access to Financial Services in Nepal (Directions in Development) by Aurora Ferrari