REVOLVING LOAN FUND CAPACITY BUILDING AND SUSTAINABILITY PROJECT
|
|
- Dominick Mitchell
- 6 years ago
- Views:
Transcription
1 REVOLVING LOAN FUND CAPACITY BUILDING AND SUSTAINABILITY PROJECT World Bank PNPM Support Facility (PSF) Gedung Bursa Efek Indonesia Tower 1, lantai 9 Jl. Jenderal Sudirman Kav , Jakarta Ph: ; Fax: Printed in April 2011, 2nd version
2 Background Project Over the past 10 years, and its predecessor projects (KDP and UPP) have provided financing for community-managed revolving loan funds (RLFs). Despite the provision of loans to microenterprises, many of them women-led, is considered small (less than 30% out of community block grants), it has supported income generation and job creation of the poor communities and become one of the key poverty alleviation activities financed by. By September 2010, it was estimated that there are at least 4,000 revolving funds operating under PNPM-Rural alone with total capital of about US$476 million. These funds are providing loans to more than 327,000 groups with an estimated outreach of at least 3 million individual borrowers. On the other hand, under the PNPM-Urban as of October 2010 it was estimated that 9,110 financial management units (UPKs) have undertaken revolving loan activities with total capital of about US$67.9 million. These funds are providing loans to more than 378,000 groups of borrowers with an estimated outreach of 1.8 million individual borrowers. Given the scale of s outreach and the Government s policy to support sustainable access to finance down to the village level and the poor, it has been recognized by both the Government and the World Bank that PNPM now needs to focus on adopting microfinance best practices and actively encourage linkages with commercial banks with an interest in scaling-up microfinance. This requires RLFs to build a sustainable solution in providing credit to the communities served using a financial sector approach. Such an approach requires addressing a number of deficiencies of RLFs from a sustainable microfinance perspective. 1
3 Overall Objective To contribute to poverty reduction initiatives within the target communities by building the management capability and institutional sustainability of the RLFs so as to scale up access to financial services for communities that have limited access to formal financial services. Specific Objectives 1. Supporting the capacity building and institutionalization of the RLFs. 2. Ensuring growth and sustainability in the provision of financial services to the poor. 3. Providing fiduciary oversight of microfinance operations and tracking the institutional develop ment and performance of the RLFs. 4. Developing a clear policy and strategy by supporting the transition of the RLFs from being a government-backed scheme to becoming operationally and financially independent microfinance institutions. 2
4 expected results 1. Eligible RLFs that have the capacity to manage the funds in a professional way and based on good practice microfinance principles. 2. Linkages between the RLFs, KUR/cluster 3 micro credit programs, cooperatives, local financial institutions, as well as the commercial financial sector are established. 3. Effective and timely monitoring and supervision system for RLFs is in place. 4. Clear policy and strategy for sustainable RLF operations is developed and agreed (including a phasing-out of the Government s direct support to RLFs) Project description 1. The project will help to improve the quality and sustainability of s RLF activities both in rural and urban areas through the provision of technical assistance, clarification of legal status, and facilitation of commercial bank linkages as well as other sources of fund. 2. The project s operation will be based on the following principles: Retaining the ownership of the loan funds for the benefit of the community and maintaining the community reinvestment element (i.e. that a portion of RLF profits is invested in the social needs of the community). Providing clarification on the legal ownership of the loan funds; the form and function of the organization(s) that manages these funds; and appropriate governance, management and supervision structures. 3
5 Encouraging a savings-based model, where possible, to maximize impact on poverty and sustainability. Taking a financial systems approach aimed at not requiring government subsidies or direct government involvement. Ensuring linkages to the commercial microfinance sector to enhance sustainability. Recognizing that provincial or district-level solutions may differ according to the local context and should be in line with the Government s decentralization strategy. Providing what people want such as: To be treated like customers Products that meet their needs Non-traditional collateral Loans for non-productive activities (e.g. education and housing loans) Larger loan amounts 3. The project will act as a bridge between Cluster 2 (community empowerment) and Cluster 3 (access to finance for the poor and for private sector development) of the Government s overall national poverty reduction strategy. This is a strategic project in the sense that it has the potential to leverage in commercial bank finance for the benefit of Indonesia s poorest communities. 4
6 Financial and capacity-building needs assessment PNPM-Urban BKM Project Consultants BP UPL UPS UPK Groups PNPM-Rural BKAD Project Consultants TV BP-UPK UPK non- RLF UPK RLF Groups 5 This assessment focuses on three aspects: governance, management, and financial performance. It assesses RLF operational structure in both Urban and Rural (please refer to the shaded areas). The results of this assessment will feed into the capacity building program.
7 Legal and regulatory advice on RLF schemes PNPM-Urban BKM BP UPL UPS UPK Rp Ownership PNPM-Rural BKAD TV BP-UPK UPK non- RLF UPK RLF Rp Ownership 6 The purpose of this activity is to: (i) review available and suitable legal options to provide a firm legal basis for RLF schemes; (ii) clarify ownership of financial assets accumulated by RLFs; and (iii) provide advisory service on both (i) and (ii).
8 PNPM-Urban Technical assistance and training for RLF stakeholders BKM Project Consultants BP UPL UPS UPK PNPM-Rural BKAD Project Consultants TV BP-UPK UPK non- RLF UPK RLF 7 Results from performance and needs assessments are used to develop capacity-building programs/schemes. The capacity building programs include: bookkeeping, basic microcredit, and technical assistance on linkages with financial institutions. This capacity-building is aimed at UPK staff, Tim Verifikasi, BP-UPK, BKAD/BKM and project consultants (Fasilitator Keuangan, Fasilitator Kecamatan, Korkot, Askot, dan Fasilitator Kelurahan).
9 Linkage Program with formal financial institutions The linkage program seeks to provide mutually beneficial partnerships between RLFs and formal financial institutions. There are three types of potential linkage in this activity: at the institutional level, the group level, and the individual level. In order to allow PNPM to focus on serving the needs of the poor, this linkage activity would introduce those graduating from PNPM to formal financial institutions. Possible Linkage Types Potential Benefits 1. Institutional Level Partnership with financial institution and receive fee income from the partnership to introduce groups or individuals that need larger amount of loan than what UPK can provide. Possible access to additional funding (capital) from financial institution. 2. Group Level Access to larger amount of loan and other government initiatives i.e. KUR. Access to other financial service such as saving, payment system,micro-insurance. 3. Individual Level Access to larger amount of loan and other government initiatives i.e. KUR. Access to other financial service such as saving, payment system, micro-insurance. Note: The ownership of assets in RLFs remain unchanged and does not transfer to financial institutions. 8
10 estimated Duration 1 The pilot project started in early 2010 and will last until the end of 2012 for a total duration of 5 years. project location In order to ensure replicability, the project will be tested in four provinces: Two Java provinces: Central Java and D.I.Yogyakarta Two off-java provinces: West Sumatra and East Nusa Tenggara (NTT) project activities 1. Conducting coordination with the Government, National Management Consultant (NMC) and other key national stakeholders to the project design. 2. Conducting a needs assessment of current RLF operations and then restructuring and improving their performance by providing technical assistance and training.* 3. Determining the legal structure of the RLFs based on a menu of institutional options that takes into account the institutional capacity of the RLFs and the local context, and supports RLFs in their transformation towards a new legal entity where appropriate. 4. Developing clear policy and strategy to deal with poorly performing RLFs. 5. Linking best performers into the commercial microfinance sector, helping to expand client outreach and sustainability of the microfinance operations. 6. Ensuring appropriate monitoring and supervision systems are in place. 7. Developing the long-term strategy for RLFs. *Needs assessments are currently being conducted by M-CRIL, an international firm hired through competitive selection in September The program is designed to be completed by December 2014 but subject to the government and donor approval, the current completion date is December 2012.
11 project implementation The World Bank team will cooperate closely with the Government of Indonesia and PNPM staff on the implementation of the project and will be responsible for the implementation, closely supervised by the GoI. The handing over of the execution of the project from the World Bank to the GoI will start at a later stage. The Secretariat of RLF Revolving Loan Fund (RLF) Capacity-Building and Sustainability Project World Bank office Jakarta Indonesia Stock Exchange Building Tower 1, 9th Floor Jl. Jenderal Sudirman Kav , Jakarta Ph: ; Fax: pnpm-rlf@psflibrary.org 10
PNPM SUPPORT FACILITY (PSF) Project Proposal
PNPM SUPPORT FACILITY (PSF) Project Proposal Project Title: Objective: Executing Agency: Estimated Duration: Estimated Budget: Geographic Coverage: Implementation Arrangements: PNPM Mandiri Revolving Loan
More informationPublic Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Report No. PID6725 Project Name Indonesia-Urban Poverty Project (+) Region Sector Project
More informationRepublic of Indonesia Indonesia. [ ] A [X] B [ ] C [ ] FI [ ] TBD (to be determined) Category Date PID Prepared December 4, 2006
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Project Name Region Sector Project ID Borrower(s) Implementing Agency PROJECT INFORMATION
More informationImplementation Status & Results Indonesia FOURTH NATIONAL PROGRAM FOR COMMUNITY EMPOWERMENT IN RURAL AREA (PNPM IV) (P122810)
Public Disclosure Authorized Public Disclosure Authorized The World Bank Implementation Status & Results Indonesia FOURTH NATIONAL PROGRAM FOR COMMUNITY EMPOWERMENT IN RURAL AREA (PNPM IV) (P122810) Operation
More informationImplementation Status & Results Indonesia National Community Empowerment Program In Urban Areas For (P125405)
Public Disclosure Authorized Public Disclosure Authorized The World Bank Implementation Status & Results Indonesia National Community Empowerment Program In Urban Areas For 2012-2015 (P125405) Operation
More informationThe Urban Poverty Project - Indonesia: Lessons from the first Seven Years
The Urban Poverty Project - Indonesia: Lessons from the first Seven Years George Soraya and Ani Dasgupta May 10, 2007, New Delhi, Jakarta and Washington DC UPP starts as a response to the crisis Starts
More informationKecamatan Development Program M a y 2002
Kecamatan Development Program Brief Overview M a y 2002 Introduction The Kecamatan Development Program (KDP) is a Government of Indonesia effort to alleviate poverty in rural communities and improve local
More informationConsolidated Assessment of UPK Revolving Loan Funds in Indonesia
PNPM Mandiri: Consolidated Assessment of UPK Revolving Loan Funds in Indonesia for their financial performance and capacity building needs Commissioned by the Access to Finance Team Financial and Private
More informationImplementation Status & Results Indonesia FOURTH NATIONAL PROGRAM FOR COMMUNITY EMPOWERMENT IN RURAL AREA (PNPM IV) (P122810)
Public Disclosure Authorized Public Disclosure Authorized The World Bank Implementation Status & Results Indonesia FOURTH NATIONAL PROGRAM FOR COMMUNITY EMPOWERMENT IN RURAL AREA (PNPM IV) (P122810) Operation
More informationto ensure that the urban poor in participating Kelurahans benefit from improved socio -economic and local governance conditions.
Public Disclosure Authorized IEG ICR Review Independent Evaluation Group Report Number: ICRR14905 1. Project Data: Date Posted: 06/02/2016 Public Disclosure Authorized Public Disclosure Authorized Public
More informationImplementation Status & Results Indonesia National Community Empowerment Program In Urban Areas For (P125405)
Public Disclosure Authorized Public Disclosure Authorized The World Bank Implementation Status & Results Indonesia National Community Empowerment Program In Urban Areas For 2012-2015 (P125405) Operation
More informationINDONESIA RISING. Policy Priorities for 2010 and Beyond
INDONESIA RISING. Policy Priorities for 2010 and Beyond Towards a Stable, Efficient, and Accessible Financial Sector Key Messages 1. The government s focus on maintaining and strengthening the stability
More informationLetter No. SK-519/PSF/XII/2010 December 6, 2010
Public Disclosure Authorized Address: INTBAFRAD CONFORMED COPYO NAL DEVELOPMENT ASSOCIATION U.S.A. Cable Address: INDEVAS Stefan G. Koeberle Country Director, Indonesia Letter No. SK-519/PSF/XII/2010 December
More informationReview of the KDP Microcredit Approach
PPK P rogram Pengembangan Kecamatan KDP K ecamatan D evelopment P rogram Review of the KDP Microcredit Approach Financial Management Unit UPK Telagasari, West Java Consultancy Report prepared for World
More informationPROJECT DOCUMENT. Capacity Building for the Management of Road Assets at District Level in Aceh
2 o o PROJECT DOCUMENT Creating Jobs: Capacity Building for Local Resourcebased Road Works in Selected Districts in NAD UNDP/ILO Project INS/51/071 Phase III Capacity Building for the Management of Road
More informationNATIONAL TEAM FOR THE ACCELERATION OF POVERTY REDUCTION (TNP2K)
OFFICE OF THE VICE PRESIDENT THE REPUBLIC OF INDONESIA NATIONAL TEAM FOR THE ACCELERATION OF POVERTY REDUCTION (TNP2K) Bambang Widianto Deputy for Social Welfare and Poverty Alleviation/ Excecutive Secretary
More informationDocument of The World Bank PROJECT PAPER ON A PROPOSED ADDITIONAL FINANCING CREDIT IN THE AMOUNT OF TO THE REPUBLIC OF INDONESIA FOR A
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Document of The World Bank FOR OFFICIAL USE ONLY PROJECT PAPER ON A PROPOSED ADDITIONAL
More informationPRESENTATION TO WORLD BANK-DSF GOVERNMENT COMMUNITY DEVELOPMENT OPERATIONS: MICROFINANCE / MICROCREDIT PROJECTS
1 PRESENTATION TO WORLD BANK-DSF GOVERNMENT COMMUNITY DEVELOPMENT OPERATIONS: MICROFINANCE / MICROCREDIT PROJECTS July 20, 2007 2 Introduction and Background 3 Background: 14 large government community
More informationSupervision and Regulation of Microfinance Institutions in Indonesia. OJK International Seminar on Microfinance & Financial Inclusion, March 2016
Supervision and Regulation of Microfinance Institutions in Indonesia OJK International Seminar on Microfinance & Financial Inclusion, March 2016 Contents FSA Indonesia (OJK) MFIs in Indonesia MFIs Regulations
More informationMicrofinance Transformation Advisory Commission Sub-Committee 2 May 2012
Microfinance Transformation Advisory Commission Sub-Committee 2 May 2012 Background Information Financial Performance UNRWA s microfinance programme is run on a financially and operationally self-sufficient
More informationOCUMENTS. April 24, 2013
Public Disclosure Authorized Public Disclosure Authorized THE WORLD BANK I BANK DUNIA OFFICIAL 1-r 0 o 4 7 Sharing Development Solutions for an Emerging Indonesia Mr. Lukita Dinarsyah Tuwo Vice Minister
More informationECONOMIC IMPACT ANALYSIS OF KECAMATAN DEVELOPMENT PROGRAM INFRASTRUCTURE PROJECTS
ECONOMIC IMPACT ANALYSIS OF KECAMATAN DEVELOPMENT PROGRAM INFRASTRUCTURE PROJECTS Prepared by: Anthony Torrens Email: toro1@pacific.net.id January, 2005 TABLE OF CONTENTS EXECUTIVE SUMMARY...1 INTRODUCTION...1
More informationDocument of The World Bank FOR OFFICIAL USE ONLY PROJECT PAPER ON A PROPOSED ADDITIONAL LOAN IN THE AMOUNT OF US$300 MILLION TO THE
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Document of The World Bank FOR OFFICIAL USE ONLY PROJECT PAPER ON A PROPOSED ADDITIONAL
More informationThe Politics of Poverty: Issues, Ideas and Actors
The Politics of Poverty: Issues, Ideas and Actors Ari Perdana (TNP2K, Jakarta) and John Maxwell (Canberra) Forum Kajian Pembangunan LPEM FEUI Jakarta, 19 April 2011 Contact: Ari.Perdana@tnp2k.org The story
More informationPROJECT INFORMATION DOCUMENT (PID) APPRAISAL STAGE
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Project Name Region Sector Project ID Borrower(s) Implementing Agency PROJECT INFORMATION
More informationProject Name KIAT GURU: KINERJA DAN AKUNTABILITAS GURU - IMPROVING TEACHER PERFORMANCE AND ACCOUNTABILITY
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized PROJECT INFORMATION DOCUMENT (PID) IDENTIFICATION/CONCEPT STAGE Report No.: PIDC56822
More informationTHE ROAD TO ECONOMIC GROWTH
THE ROAD TO ECONOMIC GROWTH Introduction 1. As in many countries, the road sector accounts for the major share of domestic freight and inter-urban passenger land travel in Indonesia, playing a crucial
More informationCONFORMED ICOPYTBAFRAD
Public Disclosure Authorized 1818 H Street N.W. (202) 473-1000 INTERNATIONAL BANK FOR RECONSTRUCTION AND DEVELOPMENT Washington, D.C. 20433 able RDRAFD The World Bank INTERNATIONAL BANK FOR RECONSTRUCTION
More informationSocial Protection Assessment- Based National Dialogue in Indonesia
INTRO Costing of income security for the elderly Closing the SPF gap for the elderly would cost between 0.09% of GDP ( low scenario) and 0.95% of GDP ( high scenario) by 2020. The low scenario includes:
More informationTHE POVERTY EFFECTS OF MICROFINANCE UNDER SELF-HELP GROUP BANK LINKAGE PROGRAMME MODEL IN INDIA
THE POVERTY EFFECTS OF MICROFINANCE UNDER SELF-HELP GROUP BANK LINKAGE PROGRAMME MODEL IN INDIA BY ATUL MEHTA A THESIS SUBMITTED IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE FELLOW PROGRAMME IN MANAGEMENT
More informationFinancial Inclusion: Using Financial Education to Reach Out to Undeserved Groups and the Informal Sector
Financial Inclusion: Using Financial Education to Reach Out to Undeserved Groups and the Informal Sector Conference on Financial Literacy: Financial education For All Cape Town, South Africa 27-28 October
More informationASIAN DEVELOPMENT BANK
ASIAN DEVELOPMENT BANK TAR: INO 34115 TECHNICAL ASSISTANCE TO THE REPUBLIC OF INDONESIA FOR FISCAL DECENTRALIZATION November 2001 CURRENCY EQUIVALENTS (as of 31 October 2001) Currency Unit Rupiah (Rp)
More informationIndonesia s Kecamatan Development Program: A Large-Scale Use of Community Development to Reduce Poverty
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized A case study from Reducing Poverty, Sustaining Growth What Works, What Doesn t, and Why
More informationLoan Agreement. (Third National Program for Community Empowerment in Rural Areas) between REPUBLIC OF INDONESIA. and
Public Disclosure Authorized CONFORMED COPY LOAN NUMBER 7867-ID Public Disclosure Authorized Loan Agreement (Third National Program for Community Empowerment in Rural Areas) between Public Disclosure Authorized
More informationResponsive Local Government. Accountability, and LG Capacity
Responsive Local Government Operations, Downwards Accountability, and LG Capacity Presentation at the National Workshop, Local Governance Capacity Development tproject Jakarta, August 18, 2011 1 The Objective
More informationMOVING FROM A GENERAL SUBSIDY INTO A TARGETED ONE: INDONESIAN EXPERIENCE IN FUEL SUBSIDY AND SOCIAL PROTECTION REFORM
OFFICE OF THE VICE PRESIDENT THE REPUBLIC OF INDONESIA MOVING FROM A GENERAL SUBSIDY INTO A TARGETED ONE: INDONESIAN EXPERIENCE IN FUEL SUBSIDY AND SOCIAL PROTECTION REFORM Dr. Bambang Widianto Deputy
More informationReducing Poverty. Indonesia: Ideas for the Future
Indonesia: Ideas for the Future Reducing Poverty Indonesia s Poverty Challenge Over 110 million Indonesians live on less than US$2 a day equivalent to the entire populations of Malaysia, Vietnam, and Cambodia
More informationEXIT STRATEGY FOR PROGRAM KELUARGA HARAPAN (PKH) FAMILY HOPE PROGRAM. Group Work Social Safety Net Course 2011
EXIT STRATEGY FOR PROGRAM KELUARGA HARAPAN (PKH) FAMILY HOPE PROGRAM Group Work Social Safety Net Course 2011 COUNTRY BACKGROUND Population: 238 million National Poverty line: US$21.20 per person per month
More informationSection 3.07 is deleted and the following is substituted therefor:
2 outstanding Loan and the Fixed Spread that will be applied to new Loans (expressed as a percentage per annum), by (ii) the principal amount of the outstanding Loan on which the Borrower shall pay interest
More informationCambodia s National Social Protection Strategy. Valerie Schmitt, ILO Experts meeting on Social Protection Jakarta, 12 December 2011
Cambodia s National Social Protection Strategy Valerie Schmitt, ILO Experts meeting on Social Protection Jakarta, 12 December 2011 An historical development 2008-2009 Cambodian Development Cooperation
More informationChair: Dr. Rudy Soeprihadi Prawiradinata, MCRP, Ph.D., Director for Poverty Reduction, Bappenas
PNPM Support Facility (PSF) Joint Management Committee (JMC) Technical Committee (TC) Meeting Date: Monday, July 14, 2014 / Time: 13:00-15:30 WIB Venue: PNPM Support Facility, Jl. Diponegoro #72, Menteng,
More informationGlobal experts. Supporting Smart, High and Inclusive Growth in Indonesia
Global experts Supporting Smart, High and Inclusive Growth in Indonesia IDB Group 10-year Strategy Overarching Vision IDBG Vision INCLUSIVENESS Become a Preferred Partner for MCs Social and Economic Development
More informationDocument Courier Pickup Domestic (within Indonesia only)
Document Courier Pickup Domestic (within Indonesia only) The information provided in this document is especially for visa applicants who wish for PT VFS Services Indonesia (hereinafter referred to as VFS)
More informationPNPM Support Facility (PSF) Technical Committee May 30, 2013 Meeting Meeting Minutes
PNPM Support Facility (PSF) Technical Committee May 30, 2013 Meeting Meeting Minutes ----------------------------- Chairman: Dr. Rudy Soeprihadi Prawiradinata MCRP, Ph.D, Director for Poverty Reduction,
More informationIndependent Progress Review. PNPM Program Support Facility (PSF) Final Report
Independent Progress Review PNPM Program Support Facility (PSF) October 2012 Acknowledgements The review team would like to thank all those who participated in the review. We understand how difficult it
More informationBudgeting Sanitation & Hygiene Program in Indonesia Sharing Plan International Indonesia Journey on STBM Budget Advocacy in NTT Province
project highlights December 2015 A girl in East Manggarai District practising hand washing with soap with single equipment of tippy tap. Tippy tap is a very common hand washing facility in NTT area as
More informationNational Strategy for Financial Inclusion: Fostering Economic Growth and Accelerating Poverty Reduction
National Strategy for Financial Inclusion: Fostering Economic Growth and Accelerating Poverty Reduction Bambang Widianto Deputy for Social Welfare and Poverty Alleviation/ Executive Secretary of The National
More informationDeveloping a financial inclusion
Developing a financial inclusion strategy: The case of Indonesia Muliaman D. Hadad Deputy Governor The 2010 AFI Global Policy Forum, Bali, 27-29 September 2010 1 Indonesia Some key facts: Population of
More informationActual Project Name : Mn - Sustainable Livelihoods Country: Mongolia US$M): Project Costs (US$M
IEG ICR Review Independent Evaluation Group 1. Project Data: Date Posted : 10/29/2008 Report Number : ICRR12989 PROJ ID : P067770 Appraisal Actual Project Name : Mn - Sustainable Project Costs (US$M US$M):
More informationOFFICIAL */ o. Letter Number: CD-439/WB/XII/2013 December 5, 2013
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized THE WORLD BANK I BANK DUNIA Sharing Development Solutions for an Emerging Indonesia Rodrigo
More informationRural Development in Indonesia
Rural Development in Indonesia Budy P. Resosudarmo ANU Indonesia Project Arndt-Corden Department of Economics Crawford School of Public Policy ANU College of Asia & the Pacific Development in Indonesia
More informationINDONESIA RISING. Policy Priorities for 2010 and Beyond
INDONESIA RISING. Policy Priorities for 2010 and Beyond Building A Disaster-Resilient Future Key Messages 1. Indonesia is prone to natural disasters that place considerable strain on government and public
More informationARIES. FINCA Program Brief No. 4 AFGHANISTAN. Agriculture, Rural Investment and Enterprise Strengthening Program in Afghanistan
ARIES Agriculture, Rural Investment and Enterprise Strengthening Program in Afghanistan FINCA Program Brief No. 4 AFGHANISTAN The Financial Integration, Economic Leveraging, Broad-Based Dissemination Leader
More informationStatus of World Bank Assistance in the Reconstruction of Aceh and North Sumatra, Indonesia. Janelle Plummer, WSP-EAP Bill Paterson, EASTR
Status of World Bank Assistance in the Reconstruction of Aceh and North Sumatra, Indonesia Janelle Plummer, WSP-EAP Bill Paterson, EASTR 2 3 4 5 6 7 In Aceh The disaster was caused by a tsunami and an
More informationCredit for Water and Sanitation Improvements: a Case Study of Women s Self-Help Groups in Tamil Nadu, India
Credit for Water and Sanitation Improvements: a Case Study of Women s Self-Help Groups in Tamil Nadu, India Executive summary In 2003, WaterPartners initiated a program which utilized micro-finance to
More informationLoan Agreement. (Third National Program for Community Empowerment in Urban Areas) between REPUBLIC OF INDONESIA. and
Public Disclosure Authorized CONFORMED COPY LOAN NUMBER 7866-ID Public Disclosure Authorized Loan Agreement (Third National Program for Community Empowerment in Urban Areas) between Public Disclosure Authorized
More informationASIAN DEVELOPMENT BANK RRP: INO 32367
ASIAN DEVELOPMENT BANK RRP: INO 32367 REPORT AND RECOMMENDATION OF THE PRESIDENT TO THE BOARD OF DIRECTORS ON PROPOSED LOANS AND TECHNICAL ASSISTANCE GRANT TO THE REPUBLIC OF INDONESIA FOR THE COMMUNITY
More informationSHINING A LIGHT ON WOMEN
SHINING A LIGHT ON WOMEN 1 Results from the Power to the Poor Rural Electrification Pilot in Lao PDR by Helene Carlsson Rex & Jie Tang World Bank Outline Context Rural Electrification In Laos Power to
More informationSANITATION REVOLVING. Philippines, January, 2013
SANITATION REVOLVING FUND IN VIETNAM Philippines, January, 2013 LEGAL FRAMEWORK Law on Environmental Protection (revised in 2005); Decree No. 67/2003/ND-CP; Decree 04/2007/ND-CP; Decree No. 59/2007 (solid
More informationHighlight of Agriculture Insurance in Indonesia
Highlight of Agriculture Insurance in Indonesia Monday, 6 November 2017 Jakub Nugraha Head of MI and Agriculture Insurance Division PT Asuransi Central Asia Head of Micro Insurance Dept - Indonesia General
More informationPT. BANK RAKYAT INDONESIA (PERSERO) Tbk. Financial Update Q Jakarta, October 2008
PT. BANK RAKYAT INDONESIA (PERSERO) Tbk. Financial Update Q3 2008 Jakarta, October 2008 Highlight on Indonesia s Macro Economy in 3Q 2008 Indonesia s macro economy is affected by the global economic turbulence.
More informationSentot Satria 14 May 2008 to 31 December 2013 (68 months)
PNPM Rural Implementation Support Quarterly Progress Report: July to September Summary Information Status Activity Number Task Team Leader(s) Executg Agency(ies) Start date to Closg Date Geographic Coverage
More informationThe Strategy for Development of the. Microfinance Sector in Sudan. A Central Bank Initiative
The Strategy for Development of the Microfinance Sector in Sudan A Central Bank Initiative Abda Y. El-Mahdi Managing Director Unicons Consultancy Ltd. The Status of the Microfinance Sector in Sudan A growing
More informationSurvey on Financial Inclusion and Access (SOFIA) Focus Note on Selected Districts
Survey on Financial Inclusion and Access (SOFIA) Focus Note on Selected Districts Implemented by About the SOFIA Focus Notes The SOFIA Focus Notes are a series of papers that explore particular subjects,
More informationFINAL REPORT EXECUTIVE SUMMARY
No. 2 Japan International Cooperation Agency (JICA) National Development Planning Agency (BAPPENAS) THE SUPPORT PROGRAM FOR AGRICULTURE AND FISHERIES DEVELOPMENT IN THE REPUBLIC OF INDONESIA FINAL REPORT
More informationSUPPLEMENTARY DOCUMENT 3: THE PROPOSED NATIONAL COMMUNITY-DRIVEN DEVELOPMENT PROGRAM 1
KALAHI CIDSS National Community-Driven Development Project (RRP PHI 46420) SUPPLEMENTARY DOCUMENT 3: THE PROPOSED NATIONAL COMMUNITY-DRIVEN DEVELOPMENT PROGRAM 1 A. Program Objective and Outcomes 1. The
More informationLetter No. CD-143/PFM/III/2013 March
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized THE WORLD BANK I BANK DUNIA Sharing Development Solutions for an Erneging Indonesia OFFICIAL/
More informationNo.: 295/BR-BOD/X/15 Jakarta, 26 October 2015
No.: 295/BR-BOD/X/15 Jakarta, 26 October 2015 PT BURSA EFEK INDONESIA Gedung Bursa Efek Indonesia, Tower 1 Jl. Jend Sudirman Kav.52-53 Jakarta 12190 Attn : Bapak I Gede Nyoman Yetna Head of Division for
More informationPublic Disclosure Copy
Public Disclosure Authorized EAST ASIA AND PACIFIC Indonesia Social, Urban, Rural and Resilience Global Practice Global Practice IBRD/IDA Specific Investment Loan FY 2013 Seq No: 9 ARCHIVED on 22-Jun-2017
More informationHarnessing Demographic Dividend: The Future We Want
Harnessing Demographic Dividend: The Future We Want Presented at 5th Commission on Population and Development April 5th, 217 Republik Indonesia Ministry of National Development Planning/ Bappenas National
More informationFINANCIAL MODELLING 101
MODELLING 101 Thursday, 24 January 2018 9:00 AM 5:00 PM (Registration at 8:30 AM) Investment: IDR 2,750,000 (Inclusive VAT) Le Méridien Jakarta Jalan Jenderal Sudirman, Kav 18-20 Jakarta, 10220 Indonesia
More informationUnderstanding Rural Finance Issues and the Macro and Micro Operating Environment. Module 2 Rural Finance & Microfinance Actors and approaches
Understanding Rural Finance Issues and the Macro and Micro Operating Environment Module 2 Rural Finance & Microfinance Actors and approaches Rural and Agricultural Finance Module 2 Agenda Block 1 Introductions
More informationDevelopment Credit Agreement
Public Disclosure Authorized NEGOTIATED TEXT June 2, 2003 CREDIT NUMBER -IND Public Disclosure Authorized Development Credit Agreement (Third Kecamatan Development Project) between Public Disclosure Authorized
More informationReviewing the Role of Namibia Post Savings Bank (NSB) in Broadening Access to Financial Services to the Poor. Problem Statement Background...
Reviewing the Role of Namibia Post Savings Bank (NSB) in Broadening Access to Financial Services to the Poor Table of Contents Problem Statement... 3 Background... 3 Analysis... 4 The Status Quo of Nampost
More informationMoney Matters: Designing Effective CDD Disbursement Mechanisms
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized SOCIAL DEVELOPMENT HOW TO SERIES vol. 4 February 2008 Money Matters: Designing Effective
More informationPT BATAVIA PROSPERINDO FINANCE Tbk. Located in South Jakarta ( Company )
PT BATAVIA PROSPERINDO FINANCE Tbk. Located in South Jakarta ( Company ) ANNOUNCEMENT OF SUMMARY OF MINUTES OF ANNUAL GENERAL MEETING OF SHAREHOLDERS FOR THE 2015 FINANCIAL YEAR A N D EXTRAORDINARY MEETING
More informationThe Role of PT. Sarana Multi Infrastruktur in Infrastructure Development
The Role of PT. Sarana Multi Infrastruktur in Infrastructure Development 1 OUTLINE Background Profile Framework Financing Policy Challenges Target 2 BACKGROUND Rationale 1. Global economic condition 2.
More informationOJK INTERNATIONAL CENTER OF EXCELLENCE FOR MICROFINANCE AND INCLUSION OJK - PUSAT KEUANGAN MIKRO DAN INKLUSI (OJK- PROKSI)
OJK INTERNATIONAL CENTER OF EXCELLENCE FOR MICROFINANCE AND INCLUSION OJK - PUSAT KEUANGAN MIKRO DAN INKLUSI (OJK- PROKSI) Microfinance Sub Sectors in Indonesia Micro- Credit Very small loan No Collateral
More informationImproving Access to Financial Services in Indonesia. Public Disclosure Authorized. Public Disclosure Authorized. Public Disclosure Authorized
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Improving Access to Financial Services in Indonesia THE WORLD BANK OFFICE JAKARTA Indonesia
More informationBANKS IN MICROFINANCE Guidelines for Successful Partnerships
BANKS IN MICROFINANCE Guidelines for Successful Partnerships This micronote is written primarily for USAID staff and others who may consider approaching banks to develop microfinance programs. It is intended
More informationDesign & Planning of EPWP Phase II
Design & Planning of EPWP Phase II Briefing and Key Decisions 10 November 2008 EPWP 2 GOAL To create 4,5 million (short and ongoing) work opportunities for poor and unemployed people in South Africa so
More informationMoney Matters: Designing Effective CDD Disbursement Mechanisms
Money Matters: Designing Effective CDD Disbursement Mechanisms One of the key challenges associated with Community Driven Development (CDD) approaches is how to disburse funds to communities in an efficient
More informationDevelopment Credit Agreement. (Urban Poverty Project) between REPUBLIC OF INDONESIA. and INTERNATIONAL DEVELOPMENT ASSOCIATION. Dated May 28, 1999
Public Disclosure Authorized CONFORMED COPY CREDIT NUMBER 3210 IND Public Disclosure Authorized Development Credit Agreement (Urban Poverty Project) between REPUBLIC OF INDONESIA and Public Disclosure
More informationIDLO Microfinance Policy and Regulation Survey n. 1 Cambodia
October, 2008 Vannak Chou, Ministry of Economic and Finance Simone di Castri, International Development Law Organization Sophea Hoy, Microfinance Association Sovannsoksitha Pen, DAI/ MSME Project Engchhay
More informationRepublic of Djibouti. President s memorandum. Microfinance and Microenterprise Development Project. Amendment to the loan agreement
Document: EB 2009/97/R.28 Agenda: 11(e)(i) Date: 14 August 2009 Distribution: Public Original: English E Republic of Djibouti President s memorandum Microfinance and Microenterprise Development Project
More informationINVEST EARN PROSPER. Copyright Sentra Untung Investama. All Rights Reserved.
INVEST EARN PROSPER Copyright 2016. Sentra Untung Investama. All Rights Reserved. 5 About SUI PT. SENTRA UNTUNG INVESTAMA (SUI) IS A TRUSTED FINANCIAL SERVICE PROVIDER, FOCUSING ON PRIVATE INVESTMENT AND
More informationIndonesia s Kecamatan Development Project Is It Replicable?
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Paper No. 39 March 2002 Indonesia s Kecamatan Development Project Is It Replicable? Design
More informationPathways to improving sustainability of WASH services: influencing government planning and decisions, Indonesia
Loughborough University Institutional Repository Pathways to improving sustainability of WASH services: influencing government planning and decisions, Indonesia This item was submitted to Loughborough
More informationMarket Opportunities and Regulations Microfinance in Indonesia
Market Opportunities and Regulations Microfinance in Indonesia Devi Erna Rachmawati Abstract This paper provides a systematic assessment of market opportunities and regulations microfinance in Indonesia
More informationMICROFINANCE QUARTERLY REPORT 30 JUNE 2017
MICROFINANCE QUARTERLY REPORT 30 JUNE 2017 TABLE OF CONTENTS 1 EXECUTIVE SUMMARY...3 2 ARCHITECTURE OF THE MICROFINANCE INDUSTRY...3 Branch Network and Outreach...4 Microfinance Active Clients...6 3 PERFORMANCE
More informationPOVERTY GRADUATION. A SUCCESSFUL MODEL Pakistan Poverty Alleviation Fund. Lifting people out of poverty OUR GOAL THE CHALLENGE
POVERTY GRADUATION A SUCCESSFUL MODEL Pakistan Poverty Alleviation Fund OUR GOAL THE CHALLENGE Lifting people out of poverty The country's multidimensional 1 poverty headcount ratio (percentage of people
More informationREQUIRED DOCUMENT FROM HIRING UNIT
Terms of reference GENERAL INFORMATION Title: Public Financial Management Expert (Indonesian National) Project Name : Environment Unit/ Sustainable Development Financing (SDF) & BIOFIN Reports to: UNDP
More informationAccess to Formal Financial Services in Indonesia
Access to Formal Financial Services in Indonesia - Evidence from the World Bank s Nation-Wide Household Survey & tmigrant Worker Household in East Java and Nusa Tenggara Survey - Yoko Doi, Financial Specialist
More informationDocument of The World Bank USE ONLY IMPLEMENTATION COMPLETION REPORT INDONESIA THIRD HEALTH PROJECT (LOAN 3042-IND) October 1, 1996
Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Document of The World Bank FOR OFFICIAL Population and Human Resources Division Country
More informationCommunity Managed Revolving Fund (Sustainable mechanism of microfinance practices to disadvantaged community)
Community Managed Revolving Fund (Sustainable mechanism of microfinance practices to disadvantaged community) A paper presented in Micro Finance Summit 2008 New departure in expanding the outreach of Micro-finance
More informationPNPM Incidence of Benefit Study:
PNPM Incidence of Benefit Study: Overview findings from the Household Social Economic Survey 2012 (SUSETI) Background PNPM-Rural programs for public infrastructure and access to credit have attempted to
More informationINVESTOR QUARTERLY REPORT
Feb-14 Apr-14 Jun-14 Aug-14 Oct-14 Dec-14 Feb-15 Apr-15 Jun-15 Aug-15 PT Bank Andara INVESTOR QUARTERLY REPORT 3 nd Edition 2015 July Sep 2015 3 nd QUARTER 2015 HIGHLIGHTS Indonesia Macro Economy CNY depreciation,
More informationASIAN DEVELOPMENT BANK
ASIAN DEVELOPMENT BANK TAR: INO 34149 TECHNICAL ASSISTANCE (Financed from the Japan Special Fund) TO THE REPUBLIC OF INDONESIA FOR PREPARING THE SECOND DECENTRALIZED HEALTH SERVICES PROJECT November 2001
More informationJob creation: Progress Microfinance implementation report frequently asked questions
EUROPEAN COMMISSION MEMO Brussels, 17 July 2012 Job creation: Progress Microfinance implementation report 2011 - frequently asked questions The European Progress Microfinance Facility (Progress Microfinance)
More informationCPSCR Review Independent Evaluation Group
Public Disclosure Authorized 1. CPS Data Country: Indonesia CPS Year: 09 CPS Period: 09 12 Period: 09 12 Date of this review: November 30, 2012 For Official Use Only 2. Executive Summary Public Disclosure
More information