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Lesson
The regulatory bottlenecks affecting project implementation need to be assessed rigorously at appraisal and the relevant government agencies and stakeholders need to be proactive in resolving implementation issues. In addition, to achieve good project performance, the project design needs to include continuous policy dialogue and knowledge sharing of international best practices.

Project Number: 42007-013
Project Name: Second Small and Microfinance Development Project
Report Date:
Lesson
Due diligence of PCBs should be thorough during appraisal. ADB should have taken a more cautious stance in the selection of PCBs, especially when Agrobank had earlier failed to meet the covenant on return on assets.

Project Number: 42007-013
Project Name: Second Small and Microfinance Development Project
Report Date:
Lesson
ADB deployment of international specialists to work full-time on projects favors successful implementation.

Project Number: 44318-025
Project Name: Housing for Integrated Rural Development Investment Program - Tranche 2
Report Date:
Lesson
Down-streaming housing loans to moderate− and lower−income beneficiaries, with a focus on women, is feasible with the right approaches and activities.

Project Number: 44318-025
Project Name: Housing for Integrated Rural Development Investment Program - Tranche 2
Report Date:
Lesson
A realistic schedule increases the likelihood of project success.

Project Number: 44318-025
Project Name: Housing for Integrated Rural Development Investment Program - Tranche 2
Report Date:
Lesson
Adequate due diligence needs to be undertaken to ensure that all participating commercial bank (PCBs) are financially sound. In addition to providing a credit line and capacity building through a TA project, policy dialogues should also be mainstreamed into the project to make the effort comprehensive and to sustain the project’s outcomes and outputs. If this was done, the microcredit organization component might not have been dropped from the project.

Project Number: 42007-013
Project Name: Second Small and Microfinance Development Project
Report Date:
Lesson
Monitoring and analysis of the MSE (micro and small enterprise) sector would benefit from estimates of the credit gap to confirm additionality of ADB FILs (financial intermediation loans). This could also help ensure that private sector funds are not displaced given the features of sovereign loans. How FILs catalyze the entry of new funds into the market needs to be better documented, and FILs' ability to move participants to more market-based finance needs to be improved.

Project Number: 42007-013
Project Name: Second Small and Microfinance Development Project
Report Date:
Lesson
Promoting the success of MSE (micro and small enterprise) operations and helping PCBs (participating commercial banks) fulfill their greater developmental functions would address existing constraints. Access to finance is just one constraint hindering the development of MSEs. In a 2003 survey of SMEs (in Uzbekistan, the International Finance Corporation identified some of the negative factors hindering the operation of enterprises. These include administrative procedures, currency conversion, access to finance, taxation, and import and export restrictions.

Project Number: 42007-013
Project Name: Second Small and Microfinance Development Project
Report Date:
Lesson
Capacity building is needed in enabling institutions to reach the poor with demand driven products and services.

Project Number: 33196-013
Project Name: Small and Microfinance Development Project
Report Date:
Lesson
The selection of appropriate institutions is crucial in targeting poor and low-income households. Commercial banks are constrained to reach large numbers of poor households due to inherent rigidities of bank regulations and policies.

Project Number: 33196-013
Project Name: Small and Microfinance Development Project
Report Date:
Lesson
The use of credit lines is not adequate in meeting long-term development needs and constraints of the sector.

Project Number: 33196-013
Project Name: Small and Microfinance Development Project
Report Date:
Lesson
The definition of microfinance at appraisal in the context of Uzbekistan should have been given upfront to provide overall guidance in the project design.

Project Number: 33196-013
Project Name: Small and Microfinance Development Project
Report Date:
Lesson
Poverty intervention projects such as the project need to be clear on the mechanisms for ensuring participation of the poor.

Project Number: 33196-013
Project Name: Small and Microfinance Development Project
Report Date:
Lesson
Prudential supervisory and regulatory infrastructure and capacity. Prudential supervisory and regulatory infrastructure for bank and nonbank finance institutions with capacity and commitment to reform is essential to maintaining a stable and efficient financial system, regardless of size.

Project Number: 33196-013
Project Name: Small and Microfinance Development Project
Report Date:
Lesson
Legal, regulatory, and institutional framework. Legal, regulatory, and institutional framework appropriate for microfinance is required for sustainable development and the successful implementation of projects.

Project Number: 33196-013
Project Name: Small and Microfinance Development Project
Report Date: