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Lesson
Implementation has also revealed an urgent need to enhance the information technology (IT) capabilities of the PCFs and MFIs so that the credit reporting and information exchange can be improved. The MDP helped the SBV standardize the reporting requirements for PCFs and MFIs and set up the microfinance information exchange system within the National Credit Information Center (CIC). However, a majority of these small- sized credit institutions lack the skills and standard IT systems to properly comply with the new reporting standards.

Project Number: 42235-013, 42235-023
Project Name: Microfinance Development Program - Subprograms 1 and 2: Program Completion Report
Report Date:
Lesson
Need to allocate ample time when deciding policy actions for IRRs to be issued in Viet Nam, due the consensus-building approach the government has adopted toward regulatory formulation. It also took longer than expected for the IRRs for the People's credit funds (PCFs) to be issued.

Project Number: 42235-013, 42235-023
Project Name: Microfinance Development Program - Subprograms 1 and 2: Program Completion Report
Report Date:
Lesson
Through its compliance with the agreed Microfinance Development Program (MDP) policy actions, the government made remarkable progress during 2008-2014 in creating a conducive policy and regulatory environment for developing inclusive and sustainable microfinance. Despite this, the issuing of implementing rules and regulations (IRRs) related to the licensing requirements for microfinance institutions (MFIs) is still pending. The government attributes the delay to its desire to await a Prime Minister Decision on unlicensed microfinance operations.

Project Number: 42235-013, 42235-023
Project Name: Microfinance Development Program - Subprograms 1 and 2: Program Completion Report
Report Date:
Lesson
DISCOM-East was proactive in solving problems in the development of design documents, procurement, the timely delivery of equipment and in resolving the numerous issues and problems normal to project implementation. Lessons for future ADB projects include the need for capable and committed implementing agencies.

Project Number: 32298-033
Project Name: Madhya Pradesh Power Sector Investment Program (Tranche 2)
Report Date:
Lesson
Reassessment and careful choice of independent marker operator. The government should look carefully again at the need for an independent market operator (IMO). As far as the evaluation could ascertain, use of the Philippine Electricity Market Corporation (PEMC), which is not an IMO, has had no obvious adverse repercussions to date. This finding suggests that it could be counterproductive to force the pace of change to establish the IMO that the Electric Power Industry Reform Act and project design called for, and the government undertook to create but did not.

Project Number: 36018-013
Project Name: Electricity Market and Transmission Development Project
Report Date:
Lesson
Time needed to deal with rights-of-way. Projects such as this one need to allow sufficient time to assess and address the issues in acquiring right-of-way. The project’s compensation and resettlement problems could have been resolved more quickly if those affected had been made better aware of the property valuation process and the impact the project would have on them. The project could have established a mechanism to deal with disputes, and local government institutions could have been engaged to help resolve them.

Project Number: 36018-013
Project Name: Electricity Market and Transmission Development Project
Report Date: