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  Topic Overview
   id: 1801
   Visits: 3037
   Added: 25 March 2003
   Updated: 22 September 2005
 
Loan    
        
Loans are borrowed funds with specified terms for repayment. When there are insufficient accumulated savings to finance an activity and when the return on borrowed capital exceeds the interest rate charged on the loan, it makes sense to borrow rather than postpone the investment until sufficient savings can be accumulated. Loans are also an important means of solving imbalances between household income and expenditure, provided income flows in the future are sufficient to meet the repayments. Credit is used widely as a poverty alleviation tool as it can enable people to start or improve enterprises but usually it is not a sufficient solution on its own. There is a wide variety of loan products for a financial institution to consider.

  
 
Family Farming Financing Requirements     Editor's Note (en)  
 
Agricultural credit card innovation: the case of Financiera Trisán  Case study2000   Document (en)  
Comparing Farm Credit Requirements with Microfinance Credit Products  Extract2005   Extract (en)  
Financing Agricultural Term Investments  Book2004   English version (en)  
Innovative approaches to rural lending: Financiera Calpia in El Salvador  Paper1999   Innovative Approaches to Rural Lending (en)  Innovación Tecnológica en Finanzas Rurales (es)  
Pawnshops and Microlending: a Fresh Look is Needed  Article2003   ADB Microfinance Newsletter Vol.4 No.1 (en)  
Product Diversification in Microfinance: Introducing Individual Lending  Paper2005   Document (en)  
668 Knowledge Objects - 1024 Members - 83 Topics
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