OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing...

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OVERVIEW The Organized Financial Sector

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Transcript of OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing...

Page 1: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

OVERVIEW

The Organized Financial Sector

Page 2: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

The Informal Sector

• Anawat

• Salaam: common in poppy growing

• Commodity credit

• Family and kinship groups: most common

• Hawala System

Page 3: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

Commercial BanksInternational

One branch each in Kabul – limited expansion plans

• National Bank – Pakistansome trade credit

• Habib Bank – Pakistan• Punjab National Bank – India

planning trade, construction credit• Standard Chartered Bank

Page 4: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

Commercial BanksAfghan

• Afghanistan International Bank

One branch in Kabul – plan 7

Range of services

RAMP supported ag enterprise lending - $50,000 to $100,000 (5 in Nov)

• Kabul Bank

One branch in Kabul – commercial bus.

Page 5: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

Commercial BanksAfghan

• First MicroFinanceBank

One branch in Kabul – plan 25

October 2004: 2200 active borrowers ($2 million portfolio)

Core business: microfinance

• Aryan Bank

• BRAC Enterprise Bank

Page 6: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

State Owned Banks

Three ‘re-licensed’ (provisional)• Milli Bank – Ministry of Finance• Pashtani Bank – Ministry of Finance• Export Promotion Bank – Ministry of Labor

and Social Affairs

Solvent, branches and staff exist (?), not operational yet

Page 7: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

State Owned Banks

Three – no decision yet

• Agriculture Development Bank

• Mortgage and Construction Bank

• Industrial Development Bank

Insolvent, branches and staff (?), not operational

Page 8: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

Other Issues

• Leasing

RAMP backed plan for ARC

February 2005 start?

No NBFI law

• Da Afghanistan Bank

Phase out banking operations

Page 9: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

Microfinance

October 2004

• Active savers: 80,000

• Active borrowers: 60,000

• Outstanding portfolio:$6 million

• Provinces: 17

• Districts: 78

Page 10: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

Market Penetration – as of Oct 04

Kabul

Balkh

Herat

Badakhshan

Badghis Bamyan

Ghazni

Laghman

Paktia

Wardak

Jawzjan

Kapisa

Nangarhar

Parwan

Samangan

Kunduz

Baghlan

Kunar

> 10,000 Clients

1,000 – 10,000 Clients

< 1,000 Clients

No Significant MFI Activities

Page 11: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

Microfinance

• Demand: high

• Loan sizes: $80 to $2000

• Agriculture: 25% of all loans

• Methodologies: group, village banking, individual, credit unions

• Clients: primarily women

• Repayment: 98% on time

Page 12: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

Microfinance

Product Diversification and Research• Agriculture: RAMP funded – new

approaches• Opium indebtedness: experiment• Housing: market research and design• Disabled persons: market study and strategy

design• Nomadic people: planned market study

Page 13: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

Microfinance

Projections

• Estimated market: 1 million +

• Outreach: 600,000 active borrowers by 2008

• Continued product diversification

• Focus on financial sustainability

• Linking with commercial sector

Page 14: OVERVIEW The Organized Financial Sector. The Informal Sector Anawat Salaam: common in poppy growing Commodity credit Family and kinship groups: most common.

Challenges and Constraints

• Ongoing conflict in some regions• Absence of laws to support financial sector

growth• Local staff and organization capacity to be

built• Need strong financial sector: demand led,

organic growth, long-term perspective• Vision: integrated, inclusive financial sector


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