Albania : Access to Finance for Enterprise Sector

This report was prepared in close collaboration with the Bank of Albania. This report focused on trade, services, and agriculture; however, the limited scope of their operations still leaves a potentially large unmet demand for credit in agriculture. This report focuses on problems related to the operation of Immovable Property Registry System (IPRS) and other institutions and the formalization of property rights and inscription of mortgages. This study believes the reform with most optimum impact on sustainable credit growth will be focused on (i) improving the quality, breadth, and depth of financial intermediation, (ii) growth and development of credit unions and microfinance institutions, and (iii) facilitate the development of new instruments. The authorities will also focus on implementing reforms to become compliant with Financial Action Task Force (FATF) recommendation.

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Bibliographic Details
Main Author: World Bank
Format: Other Financial Sector Study biblioteca
Language:English
Published: World Bank, Washington, DC 2007-06-29
Subjects:ACCESS TO BANK LOANS, ACCESS TO CAPITAL, ACCESS TO CREDIT, ACCESS TO FINANCE, ACCESSIBILITY, ACCOUNTING, AGRICULTURAL ACTIVITIES, AGRICULTURAL SECTOR, ANTI-MONEY LAUNDERING, ATM NETWORK, BALANCE SHEET, BANK BRANCHES, BANK COMPETITION, BANK CREDIT, BANK LENDING, BANK LOAN, BANKING SECTOR, BANKING SERVICES, BANKING SYSTEM, BANKS, BORROWER, BORROWING, BUSINESS DEVELOPMENT, CAPITAL LOANS, CAPITAL MARKET, CAPITAL REQUIREMENTS, CASH FLOWS, CC, COLLATERAL, COLLATERAL REQUIREMENTS, COMMERCIAL BANK, COMMERCIAL BANKS, CONSTRAINTS ON ACCESS, CONSUMER PROTECTION, CORPORATE BORROWERS, CORRUPTION, COST OF CREDIT, CREDIT ALLOCATION, CREDIT ASSOCIATIONS, CREDIT BANK, CREDIT BUREAU, CREDIT BUREAUS, CREDIT CARD, CREDIT CARDS, CREDIT DECISION, CREDIT DECISIONS, CREDIT GUARANTEE, CREDIT INFORMATION, CREDIT INFORMATION BUREAU, CREDIT INSTITUTION, CREDIT PORTFOLIO, CREDIT PORTFOLIOS, CREDIT PROCESSES, CREDIT PRODUCTS, CREDIT REGISTRIES, CREDIT REGISTRY, CREDIT RISK, CREDIT RISKS, CREDIT UNION, CREDIT UNIONS, CREDITOR, CREDITORS, DEBIT CARDS, DEBT, DEBT INSTRUMENTS, DEDUCTIBLE, DEMAND FOR CREDIT, DEPOSIT, DEPOSIT INSURANCE, DEPOSITORS, DEPOSITS, DEVELOPMENT BANK, DIVERSIFICATION, DONOR FUNDING, DONOR SUPPORT, E-BANKING, EARNINGS, EARNINGS EQUITY, ECONOMIC ACTIVITY, ECONOMIC DEVELOPMENT, ECONOMIC GROWTH, ECONOMIES OF SCALE, ELECTRONIC BANKING, ELECTRONIC PAYMENTS, EMPLOYEE, ENTREPRENEURS, EQUAL TREATMENT, EQUITY CAPITAL, EXCHANGE RATE, EXCHANGE RATES, EXTERNAL FINANCING, FACTORING, FAMILIES, FAMILY FARMS, FINANCIAL INSTITUTION, FINANCIAL INSTITUTIONS, FINANCIAL INSTRUMENT, FINANCIAL INSTRUMENTS, FINANCIAL INTERMEDIARIES, FINANCIAL INTERMEDIATION, FINANCIAL LEASING, FINANCIAL MARKET, FINANCIAL NEEDS, FINANCIAL PRODUCTS, FINANCIAL SECTOR ASSESSMENT, FINANCIAL SECTOR DEVELOPMENT, FINANCIAL SELF-SUSTAINABILITY, FINANCIAL SERVICES, FINANCIAL SUPPORT, FINANCIAL SYSTEM, FINANCIAL SYSTEMS, FINANCING NEEDS, FISCAL DEFICIT, FIXED ASSETS, FOREIGN CURRENCY, FORMAL BANK, FORMAL BANKING, FORMAL ECONOMY, FORMAL FINANCIAL INSTITUTIONS, FUNDING SOURCES, GROUP LOANS, GROUPS OF BORROWERS, GUARANTEE AGENCY, GUARANTEE SCHEMES, HOUSEHOLDS, HUMAN CAPITAL, IMMOVABLE PROPERTY, INFLATION, INFLATION RATES, INFORMAL ECONOMY, INFORMAL FINANCE, INFORMAL FINANCING, INFORMATION SYSTEMS, INFORMATION TECHNOLOGY, INSTITUTIONAL CAPACITY, INSTITUTIONAL DEVELOPMENT, INSTITUTIONAL INVESTORS, INSTITUTIONAL REFORMS, INSURANCE PENETRATION, INTEREST RATE, INTEREST RATES, INTERNAL FINANCE, INTERNAL FINANCING, INTERNATIONAL FINANCE, INVESTMENT BANK, LAND MARKET, LAND OWNERSHIP, LAND REGISTRATION, LAWS, LEGAL AUTHORITY, LEGAL FRAMEWORK, LENDER, LENDERS, LIMITED CREDIT HISTORY, LIQUID ASSETS, LOAN, LOAN CONTRACTS, LOAN PORTFOLIO, LOAN PORTFOLIOS, LOAN PRODUCTS, LOAN SIZE, LOAN TERM, MANAGEMENT INFORMATION SYSTEMS, MARKET DEVELOPMENTS, MFI, MFIS, MICRO-CREDIT, MICRO-FINANCE, MICRO-FINANCE INSTITUTIONS, MICROCREDIT, MICROFINANCE, MICROFINANCE INSTITUTIONS, MICROFINANCE LOANS, MORAL HAZARD, MORTGAGE, MORTGAGE LOANS, MORTGAGES, NATIONAL BANK, NEW BUSINESS, NEW MARKET, NEW MARKETS, NONBANK FINANCIAL INSTITUTIONS, OUTREACH, OUTSTANDING LOAN, OUTSTANDING LOANS, PAYMENT SERVICES, PAYMENTS INFRASTRUCTURE, POINT OF SALE, PRIVATIZATION, PRODUCTIVITY, PROFITABILITY, PUBLIC CREDIT, REAL ESTATE, REAL SECTOR, REGULATORY POLICIES, REMITTANCE, REMITTANCES, RENTAL PAYMENTS, RISK MANAGEMENT, RURAL CREDIT, SAVINGS, SAVINGS BANK, SAVINGS INSTITUTION, SECURITIES, SELF-EMPLOYMENT, SMALL ENTERPRISES, SMALL FARMERS, SMALL LOAN, SMALL LOANS, START-UP, START-UP CAPITAL, SUPPLY OF CREDIT, TAX EXEMPTIONS, TECHNICAL ASSISTANCE, TERM CREDIT, TERMS OF LOAN, TRADE CREDIT, TREASURY BILL, TREASURY BILLS, UMBRELLA ORGANIZATION, UMBRELLA ORGANIZATIONS, UNEMPLOYMENT, UNION, URBAN AREAS, URBAN CREDIT, VILLAGES, WORKING CAPITAL,
Online Access:http://documents.worldbank.org/curated/en/2007/06/9390502/albania-access-finance-enterprise-sector
http://hdl.handle.net/10986/6287
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