Tatiana Nenova's Books

Bringing Finance to Pakistan's Poor

Access to Finance for Small Enterprises and the Underserved

By: Tatiana Nenova,Cecile Thioro Niang,Anjum Ahmad

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Bringing Finance to Pakistan's Poor

Access to Finance for Small Enterprises and the Underserved

By: Tatiana Nenova,Cecile Thioro Niang,Anjum Ahmad

Although access to financing in Pakistan is expanding quickly, it is two to four times lower than regional benchmarks. Half of Pakistani adults, mostly women, do not engage with the financial system at all, and only 14 percent have access to formal services. Credit for small- and medium-size enterprises is rationed by the financial system. The formal microfinance sector reaches less than 2 percent of the poor, as opposed to more than 25 percent in neighboring countries. Yet it is the micro- and small businesses, along with remittances, that help families escape the poverty trap and participate in the economy. 'Bringing Finance to Pakistan s Poor' is based on a pioneering and comprehensive survey and dataset that measures the access to financial products by Pakistani households. The survey included 10,305 households in all areas of the country, excluding the tribal regions. The accompanying CD contains summary statistics. The authors develop a picture of access to and usage of financial services across the country and across different population groups, and they identify policy and regulatory priorities. Reform measures in Pakistan have been timely, but alone are not enough; financial institutions have lagged behind in adopting technology, segmenting customer bases, diversifying products, and simplifying processes and procedures. Gender bias and low levels of financial literacy remain barriers, as is geographical remoteness. However, the single strongest cause of low financial access is lack of income not location, education, or even gender. 'Bringing Finance to Pakistan s Poor' will be of great interest to readers working in the areas of business and finance, economic policy, gender and rural development, and microfinance.

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Page Count

262

Publisher

World Bank Publications

Published Date

ISBN 10

082138032X

ISBN 13

9780821380321

Expanding Housing Finance to the Underserved in South Asia

Market Review and Forward Agenda

By: Tatiana Nenova

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Expanding Housing Finance to the Underserved in South Asia

Market Review and Forward Agenda

By: Tatiana Nenova

Rapid economic growth in South Asia, urbanization, and a rising middle class have created considerable pent-up demand for housing and housing finance. More than 14 percent of low-income South Asians have no home. In response, South Asia s dynamic housing and housing finance markets have grown at rates of around 30%, but are still limited to upper-income groups. The contribution of housing and real-estate sector to overall economic growth, social uplift and employment is considerable. Housing and housing finance services have the clear potential to expand to middle- and even lower- income families. This requires an improved land administration, strengthened legal framework for land titling, registration, and foreclosure, better market data provision, and promotion of long-term funding for mortgage lenders and developers. Innovative traditional mortgage products and Islamic finance could match demand in underserved market segments. This report, a first regional effort on the topic, examines housing shortages in South Asia, as well as outlines shortcomings of the market for home mortgages. Information on good practice and country-specific examples are presented on enabling builder/developers, mortgage lenders, land administration, as well as foreclosure and other relevant regulations, to strengthen home ownership in South Asia. Special emphasis is accorded to low-income housing solutions.

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Page Count

358

Publisher

World Bank Publications

Published Date

ISBN 10

082138323X

ISBN 13

9780821383230

Expanding Housing Finance to the Underserved in South Asia

Market Review and Forward Agenda

By: Tatiana Nenova

Write a review Read reviews Take a Quiz Solve Book Puzzle

Expanding Housing Finance to the Underserved in South Asia

Market Review and Forward Agenda

By: Tatiana Nenova

Average ratings

N/A

Write a review

Solve jigsaw puzzle

Age

Page Count

358

Publisher

World Bank Publications

Published Date

ISBN 10

082138323X

ISBN 13

9780821383230

Book's by Tatiana Nenova

Bringing Finance to Pakistan's Poor

Bringing Finance to Pakistan's Poor

Expanding Housing Finance to the Underserved in South Asia

Expanding Housing Finance to the Underserved in South Asia

Expanding Housing Finance to the Underserved in South Asia

Expanding Housing Finance to the Underserved in South Asia

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