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Papers by Henry Bagazonzya

Sri Lanka - SL: WAREHOUSE RECEIPTS FINANCING PROJECT : P124091 - Implementation Status Results Report : Sequence 01

The profitability of small scale pig farmers in Nyeri District Kenya 1977-1978

Afghanistan - Expanding Microfinance Outreach and Improving Sustainability : P104301 - Implementation Status Results Report : Sequence 07

Maximizing the outreach of microfinance in Nepal : the case for a central technology platform

This report addresses the establishment of a centralized information and communication technology... more This report addresses the establishment of a centralized information and communication technology (ICT) platform for the microfinance sector in Nepal. It has been shown from international experience that ICT improves the efficiency, transparency, and outreach of microfinance institutions (MFIs) and reduces operational costs. There is an opportunity in Nepal to implement similar solutions, and this report provides information on these solutions and offers recommendations for implementing them in Nepal. The microfinance sector in Nepal has many players, but these players have shown few real successes. The sector is largely unsustainable, subsidy driven, and fragmented to the extent that it might not meet the real needs of the country. This report presents a new paradigm for introducing ICT in the microfinance sector of Nepal. The centralized technology platform was chosen as opposed to telecom-led platforms due to its ability to resolve most of the pertinent challenges that Nepal'...

Sri Lanka - SL: WAREHOUSE RECEIPTS FINANCING PROJECT : P124091 - Implementation Status Results Report : Sequence 01

The team gratefully acknowledges funding support from the Global Facility for Disaster Reduction ... more The team gratefully acknowledges funding support from the Global Facility for Disaster Reduction and Recovery (GFDRR) and the Commodity Risk Management Multi-donor Trust Fund. -v - This study builds on the agricultural insurance framework developed by the World Bank, which covers the following components: The formally regulated insurance sector is underwriting hardly any agricultural insurance products or programs at present. Some nongovernmental organizations (NGOs) and MFIs are involved in the provision of livestock insurance, usually linked directly to microfinance operations.  Agricultural risk assessment: A formal crop and livestock risk assessment was conducted to assist policy makers and insurance practitioners in the design and rating of crop and livestock insurance. This assessment was conducted at a national level and for the three selected Districts.  Agricultural insurance product development: Prototype agricultural policies are designed and indicative premium rates are presented. Such products could be further developed and tested in a future pilot implementation phase.  Operational issues for agricultural insurance: Operational requirements for the development and implementation of the proposed agricultural insurance products are discussed, including underwriting, distribution, and loss assessment systems and procedures. The emergence of a sustainable market-based agricultural insurance program in Bangladesh is likely to require some form of public-private partnership. An institutional framework, organizational structure, and specific roles and options for the potential stakeholders are presented. This report draws heavily on international experience. International experience on agricultural insurance is vast, as agricultural insurance is currently being implemented in more than 100 countries around the world. This study benefits from this international experience (for example, the Indian area-yield and weather-index crop insurance schemes, a Mexican agricultural mutual insurance program, and a Mongolian livestock-mortality index insurance program), which is tailored to the local economic and social context of Bangladesh. Challenges for the Development of Agricultural Insurance in Bangladesh 7. Bangladesh faces a series of key institutional, technical, financial, and operational challenges (i) in developing crop and livestock insurance products and services that are suited to the needs of the country's small and marginal farmers and (ii) in scaling-up the demand for and supply of crop and livestock insurance. 2.38. Several other NGOs/MFIs including Palli Bikash Kendra (PBK), Dustho Shasthya Kendra (DSK), and Gana Unnayan Kendra (GUK) underwrite their own livestock mortality loan protection schemes. (See annex 4 for further details).

Sri Lanka - E-Lanka Development : P081771 - Implementation Status Results Report : Sequence 15

Afghanistan - Expanding Microfinance Outreach and Improving Sustainability : P104301 - Implementation Status Results Report : Sequence 06

All rights reserved 1 2 3 4 13 12 11 10 This volume is a product of the staff of the Internationa... more All rights reserved 1 2 3 4 13 12 11 10 This volume is a product of the staff of the International Bank for Reconstruction and Development / The World Bank. The findings, interpretations, and conclusions expressed in this volume do not necessarily reflect the views of the Executive Directors of The World Bank or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgement on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. Rights and Permissions The material in this publication is copyrighted. Copying and/or transmitting portions or all of this work without permission may be a violation of applicable law. The International Bank for Reconstruction and Development / The World Bank encourages dissemination of its work and will normally grant permission to reproduce portions of the work promptly.

Mozambique - AFSF - Africa - Mozambique - Banco Oportunidade - BOM : P124732 - Implementation Status Results Report : Sequence 01

Broadening Smallholders' Access to Financial Services Through ICT

Nepal - Agricultural insurance feasibility study

Key policy and strategy documents including the latest Budget Speech for the Fiscal Year 2008-09 ... more Key policy and strategy documents including the latest Budget Speech for the Fiscal Year 2008-09 emphasize the major role that agriculture can play in poverty reduction in Nepal. The stagnation in the agricultural sector has become the major factor of underdevelopment and poverty. The main goal of rapid economic growth and poverty alleviation cannot be achieved until agricultural productivity is increased and excess manpower from agriculture is shifted to other sectors of the economy through creation of gainful employment opportunities. Agricultural production can increase if the vagaries of nature and the risks associated with it can be better managed. One third of agriculture land is under irrigation and therefore the majority of the Nepali farmers are exposed to adverse weather events. Given the scarcity of affordable and suitable risk management tools, when exposed to adverse shocks, low income households may be forced to reduce food consumption, take their children out of schoo...

Self-Help Groups (SHGs) are a unique and dominant model of financial inclusion in India, particul... more Self-Help Groups (SHGs) are a unique and dominant model of financial inclusion in India, particularly for women and micro enterprises. In line with the objectives set forth in the concept note, the study examined the extent and modalities of savings practiced by members of the SHG movement, and identified factors that could facilitate or hinder mobilization of savings in financial form in rural areas. The study also assessed the performance and viability of the SHGs and its apex bodies, with a view to understand their potential to evolve into more formal entities providing financial services, especially credit and savings products. The scope of the study, it must be stressed, is limited to analyzing the value and potential of SHGs and the linkage model first as saving mobilization mechanisms catering to the poor, and second as financial concerns within the livelihood schemes in which they operate. The study approach involved two main sources of information: secondary data analysis a...

an SHG "… refers to a group of 10-20 poor women who band together for financial services … and so... more an SHG "… refers to a group of 10-20 poor women who band together for financial services … and sometimes social services as well." CGAP. "Sustainability of Self-Help Groups in India: Two Analyses." Occasional Paper. August 2007. 2 The differences in exchange rates from the time the study was completed and the time the report was disseminated did not change the figures significantly. For example, the average loan as indicated above during the study period was Rs. 22,240 ($463) and at the time of report dissemination in July , 2009 it was $ 459 after the change in exchange rate from Rs. 41.36 to the dollar to Rs. 48.45 to the dollar in July 2009. 3 NABARD statistics for the movement, however, continue to be reported as cumulative figures, which cannot be compared with the "active clients" measure commonly used in microfinance to denote breadth of outreach.

Sri Lanka - E-Lanka Development : P081771 - Implementation Status Results Report : Sequence 16

Maximizing the outreach of microfinance in Nepal : the case for a central technology platform

Afghanistan - Expanding Microfinance Outreach and Improving Sustainability : P104301 - Implementation Status Results Report : Sequence 08