加强合作金融机构：世界银行和拉博伙伴关系联合项目的经验教训

Lessons Learned from a Joint World Bank andRabo Partnerships Project2020–2023 STRENGTHENINGCOOPERATIVEFINANCIAL INSTITUTIONS: Lessons Learned from a Joint World Bank andRabo Partnerships Project2020–2023 © 2024 International Bank for Reconstruction and Development / The World Bank1818 H Street NWWashington DC 20433Telephone: 202-473-1000Internet:www.worldbank.org This work is a product of the staff of The World Bank with external contributions. The findings,interpretations, and conclusions expressed in this work do not necessarily reflect the views of TheWorld Bank, its Board of Executive Directors, or the governments they represent. The World Bank does not guarantee the accuracy, completeness, or currency of the data includedin this work and does not assume responsibility for any errors, omissions, or discrepancies in theinformation, or liability with respect to the use of or failure to use the information, methods, processes,or conclusions set forth. The boundaries, colors, denominations, links/footnotes and other informationshown in this work do not imply any judgment on the part of The World Bank concerning the legal statusof any territory or the endorsement or acceptance of such boundaries. The citation of works authoredby others does not mean the World Bank endorses the views expressed by those authors or the contentof their works. Nothing herein shall constitute or be construed or considered to be a limitation upon or waiver of theprivileges and immunities of The World Bank, all of which are specifically reserved. Rights and Permissions The material in this work is subject to copyright. Because The World Bank encourages dissemination ofits knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as longas full attribution to this work is given. Any queries on rights and licenses, including subsidiary rights, should be addressed to World BankPublications, The World Bank Group, 1818 H Street NW, Washington, DC 20433, USA; fax: 202-522-2625; e-mail:pubrights@worldbank.org. Cover photo: © DrAfter123 / iStock. Used with the permission of DrAfter123 / iStock. Furtherpermission required for reuse TABLEOF CONTENTS Acknowledgementsvi Background and Objective of the Project01Project Objective and Main Activities02 Colombia Context06Regulatory and Supervisory Work06Support to the Sector07Key Observations and Next Steps07 Ethiopia08 Context08Regulatory and Supervisory Work08Support to the Sector09Key Observations and Next Steps09 West Africa 10 Context10Regulatory and Supervisory Work10Support to the Sector11Key Observations and Next Steps12 CFIs in Countries Suffering Fragility, Conflict, and Violence13 Lessons Learned14 Conclusion Acronyms and Abbreviations Acknowledgements This note was produced by a core team led by Toshiaki Ono (Senior FinancialSectorSpecialist and Task Team Leader)and Juliette Hensgens(ProgramDirector, Rabo Partnerships). The team included Eva M. Gutierrez (Lead FinancialEconomist), Rubiga Sivakumaran (Program Manager, Rabo Partnerships), AnneSivley (Consultant, lead author), Juan Buchenau, José Rutman, and CarlosCuevas (all Senior Consultants). The note benefited from and reflected reviewinputs provided by Jean Pesme (Global Director of Finance), Niraj Verma (PracticeManager), David Gerbrands (Global Head Agri and Banking Advisory Services,Rabo Partnerships), Bjorn Schrijver (Asia Lead - Inclusive Business Ventures,RaboPartnerships),Hans Groeneveld(Director,International CooperativeAffairs, Rabobank), Rekha Reddy (Senior Financial Sector Specialist), VeronicaTrujillo (Financial Sector Specialist), Pablo R. Valdivia Zelaya (Senior AgribusinessSpecialist), and Youjin Choi (Senior Financial Sector Specialist). The joint projectof the World Bank and Rabo Partnerships was supported with funding from theGovernment of the Netherlands and the Rabo Foundation. The pilot activities wereenabled by excellent collaboration with the Ethiopian Cooperative Commissionand the Agricultural Transformation Institute in Ethiopia; the Confédération desInstitutions Financières en Afrique de L’Ouest (CIF) in West Africa; and the Unidadde Regulación Financiera (URF), the Superintendencia de la Economía Solidaria(SES), and FECOLFIN in Colombia. ES. EXECUTIVE SUMMARY With their large, often unparalleled, retail outreach to otherwise underservedareas and populations, cooperative financial institutions (CFIs) have significantpotential to deepen financial inclusion in rural and marginal urban areas. Greaterfinancial access (savings, credits, and payments, among others) is one of the keyingredients for rural and agriculture development. However, in many countriesCFIs fail to reach their full potential due to inadequate regulation and supervision(R&S) as well as weak or inexistent financial safety nets (FSN),1weak internal andexternal controls, insufficient management capacity, limited economies of scale,and weaknesses in their corporate governance. The World B