Credit for small scale fishery in Mozambique
Permanent lenke
https://hdl.handle.net/10037/301Dato
2005-05-23Type
Master thesisMastergradsoppgave
Forfatter
Momade, Fernando CharamataneSammendrag
The small-scale fishery is a traditional activity and enrolled in social and cultural
practices of the coastal communities and some places of the inland waters of
Mozambique. This activity is one of the largest sources of income and employment. In
1990, Mozambique adopted the market economy and since 1992, the State begun a
progressive liberalisation of financial institutions. At the same time, Government defined
politics with the aim to establish some institutions to provide credit for small scale
activities.
Access to the credit for small-scale fishery, particularly, artisanal fishery, continues to be
difficult, for example: a limited number of financial institutions, difficulties of answering
to the requirements and the pre-conditions access, mainly those related with the provision
of real warranties and shares, etc. Actually, the small-scale fishery in Mozambique is
financed through a variety of mechanisms and sources sometimes in combination form.
Thus, the State should promote actions public as private for the establishment of effective
programs, which have socio-cultural, economical and political components.
The supportive guaranty could be one of way for changing commercial banks and some
registered credit institutions behaviour, turning the most credit accessible for small-scale
fishery. The support model of loans in groups (for instance, associations and/or
committees) could be a way to reduce the operational costs of the financial institutions;
on the other hand, these fishermen associations or commissions can still require
guarantee. Like this, the financial institutions will be minimizing a loan risk, through
loans in-group and supportive guaranty, simultaneously.
The issue is increase more and cheaper credit for artisanal fishermen, in the long run. The
perspective is that the coastal communities will grow possibilities of making a living
outside fisheries, and the pressure on the fishery will reduce; probably, the overcapacity
consists of labour or employment, which is easier to replace in case of alternative
employment possibilities, for instance, agriculture, trader, etc.
Forlag
Universitetet i TromsøUniversity of Tromsø
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Copyright 2005 The Author(s)
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