Credit and microfinance needs in inland capture fisheries development and conservation in Asia

FAO Fisheries Technical Paper. No. 460

Credit and microfinance needs in inland capture
fisheries development and conservation in Asia


by
Uwe Tietze
Consultant
FAO Fisheries and Aquaculture Department

Susana V. Siar
Fishery Industry Officer
FAO Fisheries and Aquaculture Department

Gerd Marmulla
Fishery Resources Officer
FAO Fisheries and Aquaculture Department

and

Raymon van Anrooy
Fishery Planning Analyst
FAO Fisheries and Aquaculture Department


FOOD AND AGRICULTURE ORGANIZATION OF THE UNITED NATIONS
Rome, 2007

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Contents


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ISBN 978-92-5-105756-8
ISSN 0429-9345

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© FAO 2007

Tietze, U.; Siar, S.V.; Marmulla, G.; van Anrooy, R .
Credit and microfinance needs in inland capture fisheries development and conservation in Asia.
FAO Fisheries Technical Paper. No. 460. Rome, FAO. 2007.138p.

Abstract

Recognition of the importance of microfinance as a crucial development tool for poverty reduction has increased during the last two decades. The United Nations, in its General Assembly Resolution 52/194, passed on 18 December 1997, noted that in many countries, microcredit programmes have succeeded in generating productive selfemployment by providing access to small capital for people living in poverty as well as increased participation in the mainstream economic and political process of society. This publication provides orientation, basic considerations and general principles for those institutions and organizations that provide credit and microfinance services to the fisheries sector, particularly the small-scale fisheries sector, and for those who want to include inland fishers and inland capture fisheries as part of their client base and lending operations. The publication also reaches out to the users of credit and microfinance services and to important stakeholders, including inland fisher associations and cooperatives; fisheries and other government departments and institutions concerned with the management, conservation and use of water bodies; local government authorities; and finally, individuals and groups of inland fishers and women in inland fishing communities.

The document has three parts. Part 1 contains guidelines for meeting the credit and microfinance needs in inland capture fisheries development and conservation in Asia. The guidelines highlight the need to conserve and manage inland fisheries and identify opportunities for inland fisheries development, conservation and financing. With special reference to the socio-economic characteristics of inland fisheries and inland fishers, lending policies and procedures suitable for financing inland fisheries are elaborated on. These include the identification of target groups and their credit and microfinance needs, loan sizes and loan purposes, interest rates and repayment periods, documentation and collateral requirements as well as savings and insurance services. Also discussed is the role of various stakeholders in providing financial services and in managing and conserving inland fishery resources, i.e. governments, NGOs, self-help groups (SHGs), fisher associations, financial institutions and donors.

Part 2 contains reports of the proceedings and recommendations of two regional workshops, from which the guidelines evolved. The first was the Regional Workshop on Microfinance and Credit Programmes in Support of Responsible Inland Capture Fisheries Practices for Sustainable Use of Inland Fishery Resources, held in Kuala Lumpur, Malaysia, 26-30 April 2004 and organized by the Intergovernmental Organization for Marketing Information and Technical Advisory Services for Fishery Products in the Asia Pacific Region (INFOFISH) in cooperation with the Fisheries Development Authority of Malaysia (LKIM), the Department of Fisheries of Malaysia, the Agricultural Development Bank of Malaysia and FAO. The second was the Regional Workshop on Guidance for Credit and Microfinance Programmes in Support of Sustainable Use of Inland Fishery Resources and Poverty Alleviation, held in Beijing, China, 14-17 February 2006 and jointly organized by the China Society of Fisheries, the East China Sea Fisheries Research Institute, the Chinese Academy of Fishery Sciences and FAO. Both workshops were supported by the Asia Pacific Rural and Agricultural Credit Association (APRACA).

Part 3 of the document consists of case studies and success stories on: the rehabilitation of inland fisheries and on the access to and utilization of credit and microfinance services with reference to the rehabilitation and development of inland fisheries at Lake Taihu and Lake Luoma in China; management challenges of riverine fisheries along River Ganga and prospects of inland fisheries development in West Bengal and Assam in India; livelihoods at Lake Inlay in Southern Shan State in Myanmar; fishery policy reform and aquaculture development in Cambodia; and community based rehabilitation and management of fishery resources at River Kinabatangan in Sabah, Malaysia.


Contents


Preparation of this document  (Download pdf 704 kb)
Abstract
Executive summary
Contributors
Acknowledgements
Acronyms and abbreviations

PART 1  (Download pdf 135 kb)
GUIDELINES FOR MEETING CREDIT AND MICROFINANCE NEEDS IN
INLAND CAPTURE FISHERIES DEVELOPMENT AND CONSERVATION IN ASIA

1. Introduction
2. Purpose and target group of guidelines
3. Basic considerations
4. Lending policies and procedures
5. Institutional arrangements
References
Web site references

PART 2  (Download pdf 237 kb)
PROCEEDINGS AND RECOMMENDATIONS OF REGIONAL WORKSHOPS ON CREDIT AND
MICROFINANCE NEEDS FOR SUSTAINABLE USE OF INLAND FISHERY RESOURCES AND
POVERTY ALLEVIATION


1. Regional Workshop on Microfinance and Credit Programmes in
    Support of Responsible Inland Capture Fisheries Practices for
    Sustainable Use of Inland Fishery Resources

1.1 Purpose
1.2 Workshop participation and programme
1.3 Workshop proceedings
1.4 Conclusions, recommendations and follow-up
Annex 1. List of participants
Annex 2. Programme of activities

2. Regional Workshop on Guidance for Credit and Microfinance
    Programmes in Support of Sustainable Use of Inland Fishery
    Resources and Poverty Alleviation

2.1 Purpose
2.2 Participation and workshop proceedings
2.3 Conclusions and recommendations
Annex 1: List of participants
Annex 2. Programme of the Beijing Workshop, 2006
Annex 3. Welcome Addresses

PART 3  (Download pdf 1,071 kb)
CASE STUDIES AND SUCCESS STORIES OF CREDIT AND MICROFINANCE
SUPPORT TO INLAND FISHERIES DEVELOPMENT AND CONSERVATION


I.  Potential for inland fisheries development and rehabilitation and
    supporting credit and microfinance programmes at Lake Luoma,
    China

1. Geography, hydrology and uses of Lake Luoma
2. Constraints to a sustainable development of inland fisheries
3. Credit and microfinance programmes
4. Action plan for the sustainable development of inland fisheries
5. Financing of sustainable development of inland fisheries through
    fishery resources enhancement fees and government support
References

II.  A success story of inland fisheries development and rehabilitation, and
    supporting credit and financing programmes at Lake Taihu, China

1. Geography, hydrology and importance of Lake Taihu
2. Constraints to inland fisheries development
3. Efforts and achievements in rehabilitating fisheries and the
    aquatic environment
4. Credit and microfinance in support of inland fisheries

III. Management challenges for riverine fisheries and fishers in India

1. Introduction
2. The rivers
3. Inland open water fisheries
4. Microfinancing model
References

IV. Credit and microfinance programmes in inland capture fisheries
     in West Bengal and Assam, India

1. Introduction
2. Present status of inland capture fisheries in India
3. Assam
4. West Bengal

V.  Institutional credit and microfinance in Myanmar, with special
     reference to livelihoods at Lake Inlay, Southern Shan State

1. Introduction
2. The lake
3. Habitat, fauna and flora
4. Economic importance and livelihoods at Lake Inlay
5. Environmental and fisheries management and conservation
6. Sources of microfinance for fisheries in Myanmar
7. Conclusions and recommendations
Acknowledgements

VI. Increasing inland fisheries production and livelihood security
     in Cambodia through fishery policy reform and aquaculture
     development prospects and constraints

1. Introduction
2. Status and trends of inland fisheries
3. Socio-economic importance of inland fisheries
4. Fisheries policy reform
5. Constraints to sustainable fisheries development and to
    the rehabilitation of the environment
6. Potential and risks of aquaculture development
7. Access to credit and microfinance services
8. Recommendations
References

VII. Successful involvement of local communities in conservation
      programmes for Malayan mahseer in River Kinabatangan of Sabah

1. Introduction
2. Description of Sabah
3. The fisheries sector
4. Institutional profile of fisheries sector
5. The Sabah inland fisheries management system
6. Credit and microfinance support to inland fisheries in Sabah
7. Development prospects and investment and credit needs of
    inland fisheries