Timor Leste : Access to Finance for Investment and Working Capital
This study argues the need for a policy environment supporting both urban informal sector dynamism and rapid transition from subsistence to monetization in agriculture. Such policies must include measures facilitating access to financial services f...
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| Format: | Policy Note |
| Language: | English en_US |
| Published: |
World Bank, Washington, DC
2013
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| Online Access: | http://documents.worldbank.org/curated/en/2005/01/16339485/timor-leste-access-finance-investment-owrking-capital http://hdl.handle.net/10986/13027 |
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okr-10986-13027 |
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oai_dc |
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Digital Repository |
| institution_category |
Foreign Institution |
| institution |
Digital Repositories |
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World Bank Open Knowledge Repository |
| collection |
World Bank |
| language |
English en_US |
| topic |
ACCEPTABLE COLLATERAL ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCOUNTING ADB AFFILIATES ARREARS AUDITING AVAILABILITY OF CREDIT BALANCE SHEETS BANK CHARGES BANK CREDIT BANK DEPOSIT BANK DEPOSITS BANK LENDERS BANK LENDING BANK LOANS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKRUPTCY BANKRUPTCY LEGISLATION BORROWING BUSINESS ACTIVITY BUSINESS COMMUNITY BUSINESS DEVELOPMENT BUSINESS DEVELOPMENT CENTERS BUSINESS ENTERPRISES BUSINESS FAILURE BUSINESS LENDING BUSINESS LICENSES BUSINESS PLANNING BUSINESS PLANS CAPITAL STOCK CAPITALS CIVIL SERVICE COLLATERAL COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS COMMERCIAL LENDERS CONSUMER CREDIT CONSUMER FINANCE CONTRACT ENFORCEMENT COOPERATIVES CREDIT CAPACITY CREDIT FACILITIES CREDIT GUARANTEES CREDIT PRODUCTS CREDIT REGISTRY CREDIT SCHEMES CREDIT UNION CREDIT UNIONS CREDITOR CREDITS CUSTOMER BASE DEBT DEMAND DEPOSITS DEMAND FOR CREDIT DEMAND FOR SAVINGS DEPOSIT DEPOSIT ACCOUNTS DEPOSITORS DEVELOPMENT BANK DISTRIBUTION OF INCOME DIVERSIFICATION ECONOMIC ACTIVITIES ECONOMIC ACTIVITY ECONOMIC DEVELOPMENT ECONOMIC POLICY ELECTRONIC FUNDS ELECTRONIC FUNDS TRANSFER EMPLOYMENT OPPORTUNITIES EMPOWERMENT ENTERPRISE DEVELOPMENT ENTREPRENEURIAL CAPACITY ENTREPRENEURS ENTREPRENEURSHIP EQUITY INVESTOR EXCESS DEMAND EXCHANGE RATE EXPENDITURE EXPENDITURES FACILITATION FAMILY RESOURCES FARM ENTERPRISES FINANCE COMPANIES FINANCIAL ACCESS FINANCIAL ASSETS FINANCIAL DEPTH FINANCIAL EXCLUSION FINANCIAL ILLITERACY FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL LITERACY FINANCIAL PRODUCT FINANCIAL PRODUCTS FINANCIAL SECTOR DEVELOPMENT FINANCIAL SECTOR POLICY FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FINANCIAL SYSTEMS FISCAL DISCIPLINE FISCAL POLICY FOREIGN ASSETS FOREIGN EXCHANGE FORMAL ECONOMY FORMAL FINANCIAL SERVICES GOVERNMENT POLICY HOUSEHOLDS HOUSING INCOME-GENERATING ACTIVITIES INFLATION INFLATION RATES INFORMAL ECONOMIC ACTIVITY INFORMAL ECONOMIES INFORMAL ECONOMY INFORMATION SHARING INSTITUTIONAL DEVELOPMENT INSURANCE INTEREST RATE INTEREST RATES INTERNATIONAL FINANCE JOB CREATION LABOR MARKET LACK OF ACCESS LEGAL BARRIER LEGAL FRAMEWORK LEGAL TENDER LENDER LENDERS LENDING INSTITUTIONS LIMITED ACCESS LINE OF CREDIT LOAN LOAN APPLICATION LOAN APPLICATIONS LOAN CATEGORY LOAN CONTRACTS LOAN PORTFOLIOS LOAN PROVISIONING LOAN SIZE LOAN SIZES LOANABLE FUNDS MARKETABLE SURPLUS MARKETABLE SURPLUSES MERCHANTS MFI MFIS MICRO ENTERPRISES MICRO-ENTERPRISE MICRO-ENTERPRISES MICRO-ENTREPRENEURS MICRO-FINANCIAL SERVICES MICRO-LENDING MICRO-LOANS MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MONEY TRANSFER MONEY TRANSFERS MORAL HAZARD NET SAVINGS NEW ENTRANTS OPERATING COST OPPORTUNITIES FOR WOMEN OUTREACH OVERHEAD COSTS PAWN PAWNSHOPS PAYMENTS SERVICES POLICY ENVIRONMENT POSTAL BANK POSTAL BANKING PREJUDICES PRICE STABILITY PRIVATE BANKS PRIVATE INVESTMENT PRIVATE SAVINGS PRIVATE SECTOR BANK PRODUCTIVITY PROFITABILITY PROPERTY RIGHTS PUBLIC POLICY RATES OF INTEREST REMITTANCE REMITTANCES REPAYMENT REPAYMENTS RETAIL BANKING RISK MANAGEMENT RURAL BANKS SAVINGS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS SCHEMES SAVINGS SERVICE SMALL BUSINESS SMALL ENTERPRISE SMALL ENTERPRISES SOLVENCY SOURCES OF CREDIT SOURCES OF FINANCE SOURCES OF INCOME START-UPS STARTUP CAPITAL STATE BANKING STATE BANKS TECHNICAL ASSISTANCE TIME DEPOSITS TRADE FINANCING TRANSACTION COSTS TRANSPORT UNEMPLOYMENT URBAN AREAS URBAN ECONOMY URBAN GROWTH URBANIZATION VENTURE CAPITAL VILLAGE VILLAGES WAGES WORKING CAPITAL |
| spellingShingle |
ACCEPTABLE COLLATERAL ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCOUNTING ADB AFFILIATES ARREARS AUDITING AVAILABILITY OF CREDIT BALANCE SHEETS BANK CHARGES BANK CREDIT BANK DEPOSIT BANK DEPOSITS BANK LENDERS BANK LENDING BANK LOANS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKRUPTCY BANKRUPTCY LEGISLATION BORROWING BUSINESS ACTIVITY BUSINESS COMMUNITY BUSINESS DEVELOPMENT BUSINESS DEVELOPMENT CENTERS BUSINESS ENTERPRISES BUSINESS FAILURE BUSINESS LENDING BUSINESS LICENSES BUSINESS PLANNING BUSINESS PLANS CAPITAL STOCK CAPITALS CIVIL SERVICE COLLATERAL COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS COMMERCIAL LENDERS CONSUMER CREDIT CONSUMER FINANCE CONTRACT ENFORCEMENT COOPERATIVES CREDIT CAPACITY CREDIT FACILITIES CREDIT GUARANTEES CREDIT PRODUCTS CREDIT REGISTRY CREDIT SCHEMES CREDIT UNION CREDIT UNIONS CREDITOR CREDITS CUSTOMER BASE DEBT DEMAND DEPOSITS DEMAND FOR CREDIT DEMAND FOR SAVINGS DEPOSIT DEPOSIT ACCOUNTS DEPOSITORS DEVELOPMENT BANK DISTRIBUTION OF INCOME DIVERSIFICATION ECONOMIC ACTIVITIES ECONOMIC ACTIVITY ECONOMIC DEVELOPMENT ECONOMIC POLICY ELECTRONIC FUNDS ELECTRONIC FUNDS TRANSFER EMPLOYMENT OPPORTUNITIES EMPOWERMENT ENTERPRISE DEVELOPMENT ENTREPRENEURIAL CAPACITY ENTREPRENEURS ENTREPRENEURSHIP EQUITY INVESTOR EXCESS DEMAND EXCHANGE RATE EXPENDITURE EXPENDITURES FACILITATION FAMILY RESOURCES FARM ENTERPRISES FINANCE COMPANIES FINANCIAL ACCESS FINANCIAL ASSETS FINANCIAL DEPTH FINANCIAL EXCLUSION FINANCIAL ILLITERACY FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL LITERACY FINANCIAL PRODUCT FINANCIAL PRODUCTS FINANCIAL SECTOR DEVELOPMENT FINANCIAL SECTOR POLICY FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FINANCIAL SYSTEMS FISCAL DISCIPLINE FISCAL POLICY FOREIGN ASSETS FOREIGN EXCHANGE FORMAL ECONOMY FORMAL FINANCIAL SERVICES GOVERNMENT POLICY HOUSEHOLDS HOUSING INCOME-GENERATING ACTIVITIES INFLATION INFLATION RATES INFORMAL ECONOMIC ACTIVITY INFORMAL ECONOMIES INFORMAL ECONOMY INFORMATION SHARING INSTITUTIONAL DEVELOPMENT INSURANCE INTEREST RATE INTEREST RATES INTERNATIONAL FINANCE JOB CREATION LABOR MARKET LACK OF ACCESS LEGAL BARRIER LEGAL FRAMEWORK LEGAL TENDER LENDER LENDERS LENDING INSTITUTIONS LIMITED ACCESS LINE OF CREDIT LOAN LOAN APPLICATION LOAN APPLICATIONS LOAN CATEGORY LOAN CONTRACTS LOAN PORTFOLIOS LOAN PROVISIONING LOAN SIZE LOAN SIZES LOANABLE FUNDS MARKETABLE SURPLUS MARKETABLE SURPLUSES MERCHANTS MFI MFIS MICRO ENTERPRISES MICRO-ENTERPRISE MICRO-ENTERPRISES MICRO-ENTREPRENEURS MICRO-FINANCIAL SERVICES MICRO-LENDING MICRO-LOANS MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MONEY TRANSFER MONEY TRANSFERS MORAL HAZARD NET SAVINGS NEW ENTRANTS OPERATING COST OPPORTUNITIES FOR WOMEN OUTREACH OVERHEAD COSTS PAWN PAWNSHOPS PAYMENTS SERVICES POLICY ENVIRONMENT POSTAL BANK POSTAL BANKING PREJUDICES PRICE STABILITY PRIVATE BANKS PRIVATE INVESTMENT PRIVATE SAVINGS PRIVATE SECTOR BANK PRODUCTIVITY PROFITABILITY PROPERTY RIGHTS PUBLIC POLICY RATES OF INTEREST REMITTANCE REMITTANCES REPAYMENT REPAYMENTS RETAIL BANKING RISK MANAGEMENT RURAL BANKS SAVINGS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS SCHEMES SAVINGS SERVICE SMALL BUSINESS SMALL ENTERPRISE SMALL ENTERPRISES SOLVENCY SOURCES OF CREDIT SOURCES OF FINANCE SOURCES OF INCOME START-UPS STARTUP CAPITAL STATE BANKING STATE BANKS TECHNICAL ASSISTANCE TIME DEPOSITS TRADE FINANCING TRANSACTION COSTS TRANSPORT UNEMPLOYMENT URBAN AREAS URBAN ECONOMY URBAN GROWTH URBANIZATION VENTURE CAPITAL VILLAGE VILLAGES WAGES WORKING CAPITAL Conroy, John Timor Leste : Access to Finance for Investment and Working Capital |
| geographic_facet |
East Asia and Pacific Timor-Leste |
| description |
This study argues the need for a policy
environment supporting both urban informal sector dynamism
and rapid transition from subsistence to monetization in
agriculture. Such policies must include measures
facilitating access to financial services for households,
which are the backbone of the informal and subsistence
economies. The economy of Timor-Leste is divided between a
farm sector in which as many of 80 percent of workers
remain, with most of these still dependent on subsistence
production, and a non-farm sector in which micro- and small
enterprises are an overwhelming majority. Most urban
enterprises operate in an informal environment, while in
both the farm and non-farm sectors the household is the
basic unit of economic activity. |
| format |
Economic & Sector Work :: Policy Note |
| author |
Conroy, John |
| author_facet |
Conroy, John |
| author_sort |
Conroy, John |
| title |
Timor Leste : Access to Finance for Investment and Working Capital |
| title_short |
Timor Leste : Access to Finance for Investment and Working Capital |
| title_full |
Timor Leste : Access to Finance for Investment and Working Capital |
| title_fullStr |
Timor Leste : Access to Finance for Investment and Working Capital |
| title_full_unstemmed |
Timor Leste : Access to Finance for Investment and Working Capital |
| title_sort |
timor leste : access to finance for investment and working capital |
| publisher |
World Bank, Washington, DC |
| publishDate |
2013 |
| url |
http://documents.worldbank.org/curated/en/2005/01/16339485/timor-leste-access-finance-investment-owrking-capital http://hdl.handle.net/10986/13027 |
| _version_ |
1764420358210846720 |
| spelling |
okr-10986-130272021-04-23T14:03:02Z Timor Leste : Access to Finance for Investment and Working Capital Conroy, John ACCEPTABLE COLLATERAL ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCOUNTING ADB AFFILIATES ARREARS AUDITING AVAILABILITY OF CREDIT BALANCE SHEETS BANK CHARGES BANK CREDIT BANK DEPOSIT BANK DEPOSITS BANK LENDERS BANK LENDING BANK LOANS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKRUPTCY BANKRUPTCY LEGISLATION BORROWING BUSINESS ACTIVITY BUSINESS COMMUNITY BUSINESS DEVELOPMENT BUSINESS DEVELOPMENT CENTERS BUSINESS ENTERPRISES BUSINESS FAILURE BUSINESS LENDING BUSINESS LICENSES BUSINESS PLANNING BUSINESS PLANS CAPITAL STOCK CAPITALS CIVIL SERVICE COLLATERAL COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS COMMERCIAL LENDERS CONSUMER CREDIT CONSUMER FINANCE CONTRACT ENFORCEMENT COOPERATIVES CREDIT CAPACITY CREDIT FACILITIES CREDIT GUARANTEES CREDIT PRODUCTS CREDIT REGISTRY CREDIT SCHEMES CREDIT UNION CREDIT UNIONS CREDITOR CREDITS CUSTOMER BASE DEBT DEMAND DEPOSITS DEMAND FOR CREDIT DEMAND FOR SAVINGS DEPOSIT DEPOSIT ACCOUNTS DEPOSITORS DEVELOPMENT BANK DISTRIBUTION OF INCOME DIVERSIFICATION ECONOMIC ACTIVITIES ECONOMIC ACTIVITY ECONOMIC DEVELOPMENT ECONOMIC POLICY ELECTRONIC FUNDS ELECTRONIC FUNDS TRANSFER EMPLOYMENT OPPORTUNITIES EMPOWERMENT ENTERPRISE DEVELOPMENT ENTREPRENEURIAL CAPACITY ENTREPRENEURS ENTREPRENEURSHIP EQUITY INVESTOR EXCESS DEMAND EXCHANGE RATE EXPENDITURE EXPENDITURES FACILITATION FAMILY RESOURCES FARM ENTERPRISES FINANCE COMPANIES FINANCIAL ACCESS FINANCIAL ASSETS FINANCIAL DEPTH FINANCIAL EXCLUSION FINANCIAL ILLITERACY FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL LITERACY FINANCIAL PRODUCT FINANCIAL PRODUCTS FINANCIAL SECTOR DEVELOPMENT FINANCIAL SECTOR POLICY FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FINANCIAL SYSTEMS FISCAL DISCIPLINE FISCAL POLICY FOREIGN ASSETS FOREIGN EXCHANGE FORMAL ECONOMY FORMAL FINANCIAL SERVICES GOVERNMENT POLICY HOUSEHOLDS HOUSING INCOME-GENERATING ACTIVITIES INFLATION INFLATION RATES INFORMAL ECONOMIC ACTIVITY INFORMAL ECONOMIES INFORMAL ECONOMY INFORMATION SHARING INSTITUTIONAL DEVELOPMENT INSURANCE INTEREST RATE INTEREST RATES INTERNATIONAL FINANCE JOB CREATION LABOR MARKET LACK OF ACCESS LEGAL BARRIER LEGAL FRAMEWORK LEGAL TENDER LENDER LENDERS LENDING INSTITUTIONS LIMITED ACCESS LINE OF CREDIT LOAN LOAN APPLICATION LOAN APPLICATIONS LOAN CATEGORY LOAN CONTRACTS LOAN PORTFOLIOS LOAN PROVISIONING LOAN SIZE LOAN SIZES LOANABLE FUNDS MARKETABLE SURPLUS MARKETABLE SURPLUSES MERCHANTS MFI MFIS MICRO ENTERPRISES MICRO-ENTERPRISE MICRO-ENTERPRISES MICRO-ENTREPRENEURS MICRO-FINANCIAL SERVICES MICRO-LENDING MICRO-LOANS MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MONEY TRANSFER MONEY TRANSFERS MORAL HAZARD NET SAVINGS NEW ENTRANTS OPERATING COST OPPORTUNITIES FOR WOMEN OUTREACH OVERHEAD COSTS PAWN PAWNSHOPS PAYMENTS SERVICES POLICY ENVIRONMENT POSTAL BANK POSTAL BANKING PREJUDICES PRICE STABILITY PRIVATE BANKS PRIVATE INVESTMENT PRIVATE SAVINGS PRIVATE SECTOR BANK PRODUCTIVITY PROFITABILITY PROPERTY RIGHTS PUBLIC POLICY RATES OF INTEREST REMITTANCE REMITTANCES REPAYMENT REPAYMENTS RETAIL BANKING RISK MANAGEMENT RURAL BANKS SAVINGS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS SCHEMES SAVINGS SERVICE SMALL BUSINESS SMALL ENTERPRISE SMALL ENTERPRISES SOLVENCY SOURCES OF CREDIT SOURCES OF FINANCE SOURCES OF INCOME START-UPS STARTUP CAPITAL STATE BANKING STATE BANKS TECHNICAL ASSISTANCE TIME DEPOSITS TRADE FINANCING TRANSACTION COSTS TRANSPORT UNEMPLOYMENT URBAN AREAS URBAN ECONOMY URBAN GROWTH URBANIZATION VENTURE CAPITAL VILLAGE VILLAGES WAGES WORKING CAPITAL This study argues the need for a policy environment supporting both urban informal sector dynamism and rapid transition from subsistence to monetization in agriculture. Such policies must include measures facilitating access to financial services for households, which are the backbone of the informal and subsistence economies. The economy of Timor-Leste is divided between a farm sector in which as many of 80 percent of workers remain, with most of these still dependent on subsistence production, and a non-farm sector in which micro- and small enterprises are an overwhelming majority. Most urban enterprises operate in an informal environment, while in both the farm and non-farm sectors the household is the basic unit of economic activity. 2013-03-28T16:13:42Z 2013-03-28T16:13:42Z 2005-01 http://documents.worldbank.org/curated/en/2005/01/16339485/timor-leste-access-finance-investment-owrking-capital http://hdl.handle.net/10986/13027 English en_US CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Economic & Sector Work :: Policy Note Economic & Sector Work East Asia and Pacific Timor-Leste |