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[...]... SERVICESINBRAZIL Credit Cooperatives and MFIs in Brazil, 1997–2002 Main Microfinance Providers in Brazil, end-2001 Microfinance Penetration inBrazil and Other Latin American Countries, 2001 Selected Performance Indicators of Main Microfinance Institutions inBrazil Loan Quality Indicators, Selected Sample of MFIs in Latin America Operational Efficiency Indicators, Selected Sample of MFIs in Latin... Financing Constraints in Brazil: An International Comparison 1.11 Indicator of Access: AccesstoFinancial Institutions 1.12 Accessto Loans and Credits 1.13 Accessto Loans and Credits: Reasons for Loan Refusals 1.14 Determinants of Access toFinancial Services: Results 1.15 Econometric Results: Determinants of Volume of Credit Requested and Approved 1.16 Econometric Results: The Probability of Using... addressing issues related to poverty alleviation and reduction in inequality It was Brazil s Central Bank that first raised the theme of financialaccess as an area for joint exploration with the World Bank And in parallel, the World Bank’s Financial Sector Network has encouraged the development of an understanding of financialaccess xiii XIV ACCESS TOFINANCIALSERVICESINBRAZILin response to the... System Assets, by Institutional Type 4.2 Finance, Leasing, and Factoring Companies in Brazil, December 2001 4.3 Factoring Companies in Selected States and Regions in Brazil, 2001 4.4 Differences between Financial Intermediation and Factoring 4.5 Comparison of Factoring Turnover inBrazil and Selected Other Countries, 2000 4.6 Summary of Characteristics of Financial and Operational Leases inBrazil 4.7 Present... easy to achieve through economic growth alone Improved access tofinancialservices helps poor people by enabling payment transactions that then bring them into the formal sector Accessto deposit services helps people save safely and thus handle fluctuations in consumption needs Financialservices also enable poor people to use profitable business opportunities and thus raise earnings And financial services. .. regulations may hinder accessto the poor These are the reasons for analyzing financialaccess and for reviewing the role of public policies to promote access The overarching message to emerge from this study is that increased financialaccess would be promoted by sound overall macroeconomic and financial sector policy Beyond that, the government could and should undertake regulatory reforms to enable financial. .. arguably among the highest in the world The study points to a series of factors that affect volumes and costs of financial intermediation It emphasizes that despite the absence of simple XXII ACCESS TOFINANCIALSERVICESINBRAZIL remedies, areas exist in which actions can be taken that together would help to expand access and lower the cost of financial intermediation Twenty key findings and areas for future... of Leasing Contracts inBrazil and Other Countries, 1999 5.1 Aggregate Credit to the Rural Sector in Brazil, 1969–2002 5.2 Concentration of Agricultural Landholdings inBrazil 5.3 Sources of Finance for Rural Credit in Brazil, 1995–2002 5.4 PRONAF Low-Cost Loans to Family Farms 5.5 Agricultural Insurance Relative to the Total Insurance Market, 2001 5.6 Agricultural Insurance in Brazil: Basic Information... radical change inservices could be offered, to include deposit-taking This could be contemplated as a future possibility, once there is evidence of maturity in the industry, to expand the funding base However, new regulations XXVI ACCESS TOFINANCIALSERVICESINBRAZIL would need to be introduced for attendant increases in risk, which would include new models of shared, delegated, or independent supervision... and growth Financing has featured prominently as a constraint for small and medium-size enterprises in some investigations Some studies indicate that Latin American firms find lack of accesstofinancial markets to be the major obstacle to expansion EXECUTIVE SUMMARY XXIX Limits tofinancialaccess are pointed out by the Central Bank: around 60 million or a third of Brazilians are estimated to have bank . Services across Municipalities in Brazil? 31 1.10 Financing Constraints in Brazil: An International Comparison 34 1.11 Indicator of Access: Access to Financial Institutions 38 1.12 Access to. 334 6. Installing Institutional Infrastructure 337 Creditor Rights, Security Interests, and Access to Credit 339 Security Interests 350 Credit Information and Credit Reporting 362 VI ACCESS TO FINANCIAL. 213 3.9 Main Telephone Line, Cellular, and Internet Penetration in Brazil and Other Countries 217 3.10 Online Internet Banking in Brazil and Asia 218 3.11 Internet Use and Online Banking in Brazil