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Start Over Descriptor "LENDING CONDITIONS" Publisher washington, dc
2 results on '"LENDING CONDITIONS"'

1. Financial Inclusion in Tunisia : Low-Income Households and Micro-Enterprises

Author

World Bank Group

Subjects
REPAYMENT RATES, FINANCIAL SECTOR DEVELOPMENT, INVESTMENT, PAYMENT, ECONOMIC GROWTH, SAVINGS BANK, ENTREPRENEUR, CURRENT ACCOUNTS, FAMILIES, EMPLOYMENT OPPORTUNITIES, DEPOSIT, LOAN CONDITIONS, CREDIT GUARANTEE, FINANCING, FINANCIAL INTERMEDIATION, ELECTRONIC PAYMENTS, FINANCIAL SYSTEM DEVELOPMENT, UNEMPLOYMENT, INVESTMENTS, INSURANCE POLICIES, FINANCIAL EXCLUSION, FINANCIAL INFRASTRUCTURE, PARTIAL CREDIT, NEW COMPANIES, FINANCIAL EDUCATION, BANK LOAN, WOMEN, EXPATRIATE, FINANCIAL DIFFICULTY, BUSINESS OWNERS, ANTI-MONEY LAUNDERING, ECONOMIC EMPOWERMENT, TECHNICAL SUPPORT, SAVINGS SERVICES, SAVINGS ACCOUNTS, ASSET ACCUMULATION, GUARANTEE, POSTAL SAVINGS, BANK, LOANS, CREDIT LINES, CONSUMER PROTECTION, FINANCIAL SYSTEMS, CHECKING ACCOUNT, INCOME- GENERATING ACTIVITIES, FARMERS, RISK MANAGEMENT, BASIC NEEDS, CREDIT INSTITUTIONS, MFI, STUDENTS, BORROWER, AVERAGE BALANCE, BORROWERS, DEPOSITS, FINANCE, INTERNATIONAL FINANCE, FORMAL FINANCIAL INSTITUTION, CREDIT REGISTRY, ECONOMIC OPPORTUNITIES, PAYMENT SERVICES, SMALL BUSINESSES, INDEBTEDNESS, ENTERPRISES, CREDIT BUREAU, MICROFINANCE INSTITUTION, ACCESS TO FINANCIAL SERVICES, HOME IMPROVEMENT, MONETARY POLICY, HOUSEHOLD, VENTURE CAPITAL FIRMS, INTEREST RATES, DEBT, ARREARS, GUARANTEES, GRANT, CASH MANAGEMENT, LOAN SIZE, FORMAL FINANCIAL SERVICE, WORKING CAPITAL, SOCIAL SECURITY, MONEY-LENDERS, PAYMENTS, PAYMENTS SERVICES, CAPITAL REQUIREMENT, FINANCIAL SERVICES, MFIS, INEQUALITY, EQUALITY, PROFITABILITY, FINANCIAL PRODUCTS, ACCESS TO FINANCE, FINANCIAL SERVICE PROVIDERS, FINANCIAL SERVICE, FEES, EMPOWERMENT, MONEY ORDERS, ENTREPRENEURS, LOAN AMOUNT, ECONOMIC ACTIVITY, MICROCREDIT, MICRO- ENTREPRENEURS, UNIVERSAL ACCESS, LENDING CONDITIONS, BANK ACCOUNT, INSURANCE PREMIUM, EXCLUSION, CAPITAL, BANKRUPTCY, LENDERS, FORMAL FINANCIAL SERVICES, MICRO-ENTREPRENEURS, FORMAL FINANCIAL SECTOR, FINANCES, SECURITY, WOMAN, ENTERPRISE, MONEY TRANSFERS, FINANCIAL ACCOUNT, SMALL ENTERPRISES, FAMILY, FINANCIAL SYSTEM, FINANCIAL INSTITUTIONS, INEQUALITIES, DEMAND FOR SAVINGS, HOUSEHOLDS, EMPLOYEES, BANKING SERVICES, DIVERSIFICATION, CURRENT ACCOUNT, BANKS, BANK LOANS, FINANCIAL INSTITUTION, AGRICULTURAL BANK, UNION, MICROFINANCE INSTITUTIONS, OUTSTANDING DEBT, BORROWING, BANK BRANCHES, SMALLHOLDERS, LOAN, CREDIT, ACCESS TO CREDIT, FINANCIAL DEVELOPMENT, MICRO-ENTERPRISES, COMMERCIAL BANKS, PEOPLE, VENTURE CAPITAL, AUTOMATIC TELLER, MICROFINANCE, INVESTMENT BANKS, LIMITED ACCESS, UNIONS, REPAYMENT, UNIVERSAL BANKS, DEVELOPMENT BANK, INVESTMENT BANK, INCOME-GENERATING ACTIVITIES, ACCESS TO SAVINGS, MONEY TRANSFER, INTEREST, DEBT COLLECTION, JOB CREATION, CAPITAL ACCUMULATION, CURRENCY EXCHANGE, SAVINGS, DEBIT CARD, REVENUES, FINANCIAL NEEDS, PUBLIC BANKS, MONEY LAUNDERING, INSURANCE SERVICES, SMALL LOANS, OUTREACH, FINANCING NEEDS, OUTSTANDING LOANS, INTEREST RATE, FOREIGN CURRENCY, MAXIMUM LOAN AMOUNT, FIRST LOANS, OPERATING COSTS
Abstract

This technical note provides a snapshot of financial inclusion trends and challenges in Tunisia. It follows the recent expiration of the Coordinated Vision for the Development of Microfinance in Tunisia 2011-2014, national strategy published in 2011. This document does not examine all aspects of financial sector development, but rather concentrates specifically on financial inclusion for low-income households and micro-enterprises.

Published
2015

2. Crisis within a Crisis? : How the Financial Crisis Highlights Power Sector Vulnerabilities in Europe and Central Asia Region

Author

World Bank

Subjects
ADVISORY SERVICE, AFFORDABILITY, BUDGET DEFICITS, TAX EXEMPTIONS, POWER PLANT, POWER SECTOR PLANNING, PRIVATE INVESTMENT, APPROACH, SHAREHOLDERS, CREDIT GUARANTEE, EMPLOYMENT, GAP FINANCING, EMISSIONS, SUPPLY OF FINANCING, RENEWABLE ENERGY, UNEMPLOYMENT, RECESSION, RENEWABLE ENERGY PROJECTS, LACK OF TRANSPARENCY, GOVERNMENT POLICY, CAPITAL REQUIREMENTS, GOVERNMENT BUDGET DEFICITS, RETURNS, DEBT SERVICE, COLLATERAL, CREDIT GROWTH, BONDS, COAL MINES, GAS, PUBLIC SPENDING, GENERATION CAPACITY, EQUITY INVESTMENTS, GOVERNMENT BUDGET, CONSUMPTION OF ENERGY, HYDROPOWER, DEBT LEVELS, SHORT-TERM DEBT, NATURAL GAS PRICES, FOREIGN CURRENCY DEBT, HOLDING, SOVEREIGN DEBT, DEPOSITS, COST OF ELECTRICITY, COMBUSTION, INTERNATIONAL FINANCE, INVESTMENT PLANS, ENERGY SHORTAGES, PROPERTY RIGHTS, CURRENCY DEPRECIATION, FUEL CONSUMPTION, PEAK CAPACITY, POST-CRISIS PERIOD, FOREIGN EQUITY, BORROWING CAPACITIES, LIQUIDITY, INTEREST RATES, PUBLIC DEBT, ARREARS, CREDIT RISK, DEMAND FOR ELECTRICITY, THERMAL POWER, COAL PRODUCTION, PRIVATE SECTOR FINANCING, WORKING CAPITAL, LONG-TERM INVESTMENTS, SHORT-TERM BORROWINGS, BUDGET DEFICIT, PROFITABILITY, TRANSMISSION INFRASTRUCTURE, BANK DEBT, GENERATING CAPACITY, MARKET PRICES, PRIVATE FINANCING, TAX REGIME, LENDERS, ENERGY CONSUMPTION, RETURN ON ASSETS, REGULATORY FRAMEWORK, EQUIPMENT, EQUITY CAPITAL, CURRENCY, ELECTRICITY SYSTEM, CREDIT GUARANTEES, HEAT TARIFF, POWER, UNION, BORROWING, PRIVATIZATION, LOAN, CURRENCY DEPRECIATIONS, FIXED COSTS, REINVESTMENT, TAX REVENUES, FINANCING COSTS, NONPERFORMING LOANS, EQUITY INVESTORS, MARKET SHARE, PROFIT MARGINS, DEVELOPMENT BANK, DEFAULT RATINGS, FINANCIAL PERFORMANCE, INTERNATIONAL FINANCIAL MARKETS, TRADING, CORRUPTION, EMISSIONS REGULATIONS, FINANCIAL HEALTH, LENDING REQUIREMENTS, BIDS, DEBT PAYMENT, ENERGY EFFICIENCY INVESTMENTS, LOCAL CURRENCY, FUEL COSTS, TAX, FOREIGN INVESTORS, GROSS DOMESTIC PRODUCT, EXCHANGE RATES, BARRIERS TO INVESTMENT, PEAK DEMAND, PRIVATE INVESTMENTS, LOAN AGREEMENT, EQUITY FINANCING, MATURITIES, STRATEGIC INVESTORS, INTERNATIONAL FINANCIAL INSTITUTION, PUBLIC BUDGETS, LONG-TERM INTEREST RATES, ELECTRICITY PRODUCERS, PARTIAL CREDIT, INVESTING, ECONOMIC CRISIS, RULE OF LAW, FINANCIAL CRISIS, TRANSMISSION SYSTEM, ELECTRICITY DEMAND, HIGH ELECTRICITY DEMAND, ENERGY OUTLOOK, OIL, LARGE POWER PLANTS, TECHNICAL SUPPORT, RESERVES, BALANCE, MARKET REFORMS, LEGAL OBLIGATION, TREATY, FISCAL CONSTRAINTS, FINANCIAL ASSISTANCE, ENERGY SUPPLY, THERMAL POWER PLANT, PARTIAL RISK, REGULATORY FRAMEWORKS, ACCESS TO FINANCING, LINE OF CREDIT, HYDROPOWER PLANT, MARKET TRANSACTIONS, PAYMENT OBLIGATIONS, ENERGY DEMAND, ELECTRICITY CONSUMPTION, MARKET RISKS, WIND POWER PLANTS, GAS PRICES, GENERATION, RENEWABLE ENERGY CAPACITY, CENTRAL BANK, RETURN, INVESTMENT CLIMATE, WIND POWER, COLLATERAL REQUIREMENTS, FUEL, POWER SECTOR, ELECTRICITY, LENDING CONDITIONS, ACCESS TO MARKETS, COAL, CREDIBILITY, COMMERCIAL BANK LENDING, FUEL PRICES, INVESTMENT IN ENERGY EFFICIENCY, COAL MINING, LOCAL CURRENCIES, COMMERCIAL BANK, PRICE OF COAL, COMMERCIAL LENDING, BANK FINANCING, FINANCIAL COVENANTS, CHEMICAL INDUSTRIES, NUCLEAR POWER, RESERVE, EQUITY CONTRIBUTION, PRIVATE INVESTORS, INTERNATIONAL FINANCIAL INSTITUTIONS, PROTECTION MEASURES, THERMAL POWER PLANTS, EMISSION REDUCTION, NUCLEAR FUEL, DEMAND FORECAST, INVESTMENT STRATEGY, LONG-TERM INTEREST, BANK LOANS, ENFORCEMENT OF CONTRACTS, HEAT, EXPENDITURES, COMMERCIAL BANKS, NATURAL GAS, MONETARY FUND, POWER SECTORS, NUCLEAR POWER PLANT, ELECTRICITY TARIFF, HIGHER GAS, MARKET RISK, KILOWATT HOUR, INVESTMENT BANK, ENERGY EFFICIENCY, AVAILABILITY, LEGAL FRAMEWORK, WIND, ENERGY SHORTAGE, OPERATING COST, CASH FLOWS, FINANCING NEEDS, FOREIGN CURRENCY, EMISSION, TARIFF LEVELS, CAPITAL CONSTRAINTS, EXPENDITURE, OPERATING COSTS
Abstract

The global financial crisis severely affected economies in Eastern Europe and Central Asia (ECA). Currencies depreciated across the region. Government tax revenues declined sharply leading to high budget deficits and rising levels of public debt. Tightening credit supply and deteriorating financial conditions have limited the ability to borrow in the public and private sector. The financial crisis slowed demand enough to delay an imminent energy shortage by a few years. In this sense, the financial crisis bought ECA countries some time. This report analyzes the impacts of the global financial crisis on power sectors in five countries in the ECA region: Armenia, Kyrgyz Republic, Romania, Serbia and Ukraine. It estimates the investment gap and proposes a prioritization of critical investments in each country. The report also proposes actions needed to mobilize financing for the sector, including a continued commitment to legal, regulatory and policy reform in the sector. The global financial crisis has created a window of opportunity to meet investment needs and avert a potential power shortage, but Governments need to recognize and act on this opportunity. This report serves as a starting point to facilitate further World Bank engagement in the region that can help Governments make timely, critical investments and foster sustainable investment in the sector over the long-term.

Published
2010

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