By reviewing the Bank's experience
with shelter lending, this paper seeks to address the
question of whether the Bank has helped developing countries
deal with the inevitable problems that arise with
urbanization, particularly problems with the provision of
shelter. It reviews the Bank's performance, with a
focus on identifying lessons learned so that current demands
can be more effectively addressed. In contrast to earlier

A decade and a half of relative peace and political stability, broad economic reforms, and far-reaching political decentralization have brought Ethiopia back from one of its lowest levels of income per capita to one of its highest levels over the past forty years. At the same time, Gross Domestic Product per capita today is still only slightly above the levels reached in the early 1970 underscoring the deep-rooted and complex nature of poverty in Ethiopia.

This report for Iraq - country water
resources assistance strategy (CWRAS) addresses these
objectives in two parts. The first part, which is largely
descriptive, reviews existing conditions and summarizes
Iraq's considerable accomplishments over the past
decades in developing and managing water resources. The
second part investigates challenges and priorities-how to
balance the needs of short-term reconstruction and the

Tanzania's National Strategy for
Growth and Reduction of Poverty (NSGRP) sets an ambitious
target of 6 to 8 percent annual economic growth to achieve
rapid reduction in poverty. This report focuses on three
issues that are central to the success of Tanzania's
poverty reduction efforts: 0 what factors explain
Tanzania's recent acceleration in economic growth; has
the accelerated economic growth translated into reduced

Increasing the schooling attainment of girls is a challenge in much of the developing world. The authors evaluate the impact of a program that gives scholarships to girls making the transition between the last year of primary school and the first year of secondary school in Cambodia. They show that the scholarship program had a large, positive effect on the school enrollment and attendance of girls. Their preferred set of estimates suggests program effects on enrollment and attendance at program schools of 30 to 43 percentage points.

With three quarters of its population
living in cities, Latin America is now essentially an urban
region. Higher urbanization is usually associated with a
number of positives, such as higher income, greater access
to services, and lower poverty incidence, and, Latin America
is no exception. Today, urban poverty incidence, at 28
percent, is half that of in rural areas; extreme poverty, at
12 percent, is a third. Despite this relatively low poverty

This report combines a study undertaken in two phases of the Benin financial sector. Phase 1 of the study, conducted in 2003, provided a diagnostic of the financial system and focused on the state and performance of commercial banks, microfinance institutions, insurance companies and the pension fund system. Phase 2 of the study, conducted in the first half of 2004, focused on analyzing the access to finance issue identified during the diagnostic study. The lack of access to financial services by the majority of the population in Benin was the main issue revealed by the study.

It has often been assumed that payments
for watershed services (PWS) would go mostly to poor land
users, thus contributing to poverty reduction, but there has
been little empirical verification to date. This paper uses
data from highland Guatemala to assess the potential for PWS
to reduce poverty by examining whether the recipients of
payments for environmental services are likely to be poor.
The watersheds in which PWS would be feasible due to the

The report documents poverty in Zamia
along a number of dimensions, including material
deprivation, human deprivation, vulnerability, destitution,
and social stigmatization. The report identified a number of
basic actions to facilitate growth in the rural sector;
these include (1) a (revived) system of regular manual
maintenance of rural roads; (2) simple systems of animal
disease control; animal movement control; health inspection

The author uses a large household data set from Guatemala to analyze how the receipt of internal remittances (from Guatemala) and international remittances (from the United States) affects the marginal spending behavior of households on various consumption and investment goods. Contrary to other studies, the author finds that households receiving remittances actually spend less at the margin on consumption-food and consumer goods and durables-than do households receiving no remittances.

This paper addresses labor markets in
Haiti, including farm and nonfarm employment and income
generation. The analyses are based on the first Living
Conditions Survey of 7,186 households covering the whole
country and representative at the regional level. The
findings suggest that four key determinants of employment
and productivity in nonfarm activities are education,
gender, location, and migration status. This is emphasized

Population growth combined with economic growth will increasingly stress water resources and this has the potential to be the dominant environmental and possibly the most important development issue facing Bangladesh in the coming half century.