Case Studies

These case studies provide a closer look at best practices and recurring challenges in rural finance project implementation. Each case study highlights innovative ways that rural finance practitioners around the world have responded to the challenges they face.

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Regulation for Expanding Rural Financial Services (Breakout session 1)

Session Summary and Q&A (2 p., 152K)

• USAID Azeri Rural Credit Project (ARC): Capitalization, Governance, Ownership, Control, by Al Harding (9 p., 49K)
• Supervision and Regulation of Microfinance Industry in Ecuador-USAID / SALTO Project, by Rodrigo Espinosa (7 p., 36K)

Surveys of Delivery Systems in Rural Finance (Breakout session 2)

Session Summary and Q&A (3 p., 153K)

• Serving Small Rural Depositors: Proximity, Innovations and Trade-Offs, by Madeline Hirschland (17 p., 101K)
• Business Transactions for Smallholder Farmers and Entrepreneurs via DRUMNET, by Jonathan Campaigne (14 p., 82K)
• Case study of DEMOS-Croatia, by Caroline Tsilikounas (15 p., 69K)
• Charles Gore (AgriLink)

Risk Management: Pricing, Insurance, Guarantees (Breakout session 3)

Session Summary and Q&A (4 p., 171K)

• The Use of Price and Weather Risk Management Instruments, by Erin Bryla (18 p., 132K)
• Agricultural Insurance in Latin America: Where Are We? by Mark Wenner and Diego Arias (19 p., 88K)
• Guarantees for Rural Financing: A Guide to USAID's New Mechanism, by John Wasielewski and Stavely Lord (14 p., 83K)

Agricultural Lending Practices: Non-Financial Services with Financial Products (Breakout session 4)

Session Summary and Q&A (3 p., 128K)

• Kyrgyz Agricultural Finance Corporation (KAFC), by Baktygul Jeenbaeva (16 p., 154K)
• Moldovan Savings and Credit Associations’ Experience, by Victor Chiriac (23 p., 120K)
• Financeria El Comercio S.A.E.C.A., by Carlos Heisecke Rivarola (8 p., 37K)

Rural Finance Expansion: Experience in Commercialization (Breakout session 5)

Session Summary and Q&A (6 p., 410K)

• Expanding Commercial Microfinance in Rural Areas: Constraints and Opportunities, by Stephanie Charitonenko and Anita Campion (20 p., 124K)
• Reverting the Tendency in Developing Finance: The Case of “Banrural S.A.” in Guatemala, by Luis Noel Alfaro Gramajo (20 p., 85K)
• Selected South African Micro Finance Case Studies in Rural Financing, by Kachesa Ed Bbenkele (15 p., 52K)

Risk Management: Islamic Financial Policies (Breakout session 6)

Session Summary and Q&A (1 p., 77K)

• Case Study of Farmers’ Commercial Bank, by Ahmed Gaber (49 p., 65K)
• Islamic Banking and Its Potential Impact, by Thomas A. Timberg (13 p., 137K)
• Case Study of Bank Indonesia, by Maulana Ibrahim (32 p., 141K)

Rural Finance in the Age of HIV/AIDS (Breakout session 7)

Session Summary and Q&A (4 p., 203K)

• Response Required: Mitigating Risk in African Credit Unions Serving HIV/AIDS-affected Communities, by Anna Cora Evans (17 p., 83K)
• HIV/AIDS and Rural Microfinance—A Matter of Survival, by John H. Magill (22 p., 149K)
• Ethel Matenge-Sebesho (HomeLoan Guarantee Co.)

Gender Targeting of Rural Financial Services: Is This Appropriate? (Breakout session 8)

Session Summary and Q&A (3 p., 148K)

• Best Practices by Women’s Bank of Sri Lanka, by Justin D. Keppetiyagama (17 p., 72K)
• Case Study of FINCA Uganda, by Fabian Kasi (16 p., 67K)

Agribusiness: Vendor Financing in Input Markets (Breakout session 9)

Session Summary and Q&A (3 p., 217K)

• A Comparative Study of Fertilizer Credit in Bangladesh, by Robert Wieland (14 p., 48K)
• The Evolution of Commercial Finance in Russian Agriculture, by Glenn Pederson (18 p., 61K)
• Case Study of DFCU Leasing Company - Uganda, by Juma Kisaame (17 p., 78K)
• Improving Access to Rural Finance through Regulated Warehouse Receipt Systems in Africa, by Gideon E. Onumah (16 p., 88K)

Agricultural Lending Practices: Methodologies and Programs (Breakout session 10)

Session Summary and Q&A (4 p., 298K)

• CLUSA Zambia Rural Group Business Program, by Susan Parker (16 p., 72K)
• CECAM: A Cooperative Agricultural Financial Institution Providing Credit Adapted to Farmers’ Demand in Madagascar, by Jean-Hervé Fraslin (39 p., 573K)
• Financing Term Investments in Agriculture: A Review of International Experiences, by Frank Höllinger (25 p., 151K)

Rural Financial Institutions: Start-ups (Breakout session 11)

Session Summary and Q&A (1 p., 88K)

• Agrocapital & Bai Tashum: Lessons from 2 Rural Financial Service Foundations, by Robert Fries (69 p., 90K)
• PT Ukabima Case Study, by Maria C. Stephens (41 p., 176K)
• The Case Study of ACLEDA Bank, by In Channy (15 p., 72K)

Rural Financial Institutions: Restructuring and Post Restructure Results (Breakout session 12)

Session Summary and Q&A (1 p., 95K)

• The Agricultural Bank of Mongolia: From Insolvent State Bank to Thriving Private Bank, by James Boomgard (17 p., 115K)
• Credit Union Empowerment and Strengthening (CUES) Philippines, by Luis Sasuman (14 p., 153K)
• Rediscovering Rural Finance by Retooling the Existing Institutions, by Pillarisetti Satish (16 p., 70K)
• Los Andes F.F.P., by Pablo Gonzalez (12 p., 60K)

Risk Management: Information Technology (Breakout session 13)

Session Summary and Q&A (5 p., 419K)

• Market-Based Credit Policies for Increased Access to Rural Finance, by Ma. Piedad S. Geron (13 p., 72K)
• Rural Lending in Sierra Norte-Ecuador, by Susana Barton (14 p., 81K)
• How M-CRIL Supports the Provision of Financial Services to Low Income Clients, by Tanmay Chetan (20 p., 116K)

Rural Financial Institutions: Savings Mobilization (Breakout session 14)

Session Summary and Q&A (2 p., 147K)

• ASA Experience, by Mostaq Ahmmed (22 p., 120K)
• Adapting to the Challenges of Changing Financial Paradigms: WOCCU’s Savings Mobilization Programs in Latin America, by Janette Klaehn (17 p., 88K)
• Centenary Rural Development Bank, by Richard Nalela (15 p., 83K)
• The Bolivian Experience of the Prodem Private Financial Fund S.A., by Eduardo Bazoberry (12 p., 56K)

Rural Finance Innovation (General session, End of Day 2)

• Remittances, the Rural Sector, and Policy Options in Latin America, by Manuel Orozco (18 p., 102K)
• Buyer and Supplier Credit to Farmers: Do Donors Have a Role to Play? by Douglas Pearce (19 p., 94K)