Feed the Future
This project is part of the U.S. Government's global hunger and food security initiative.

2.4.2. Build Collateral Registries


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A collateral registry is a record of legal claims to personal property used as collateral for a loan.

A number of countries have recently implemented “movable property” registries which allow banks to take collateral other than land and buildings (immovable property), and thus opens up the range of borrowers able to provide security and access lending to include those who do not own land or buildings. Collateral registries tend to be good for gender issues because women are more likely to have movable assets. Transparent collateral registries allow lenders to check if collateral being offered as security for a loan has already been pledged to another lender. Collateral registries create additional access to borrowers who are able to pledge movable assets, but not immovable assets.


  1. Ability of borrowers to provide the details/documentation needed to get a loan
  2. Ability of borrowers to show formal registration
  3. Ability to file/record a security interest on moveable property pledged as collateral
  4. Ability to file/record a security interest on real estate (land and buildings) pledged as collateral
  5. Access to reliable credit information on borrowers
  6. Transaction costs associated with originating and managing loans to target sector/region


Coming soon.


Coming soon.


Coming soon.



From vendors to service providers to app developers and programmers, Jordan is teeming with SMEs, many of them women-owned. That’s a sign of a healthy economy: SMEs are an important driver of economic growth, and in many countries, they are the largest contributor to job creation. To have that impact, though, SMEs need access to financial services—like affordable credit—that can help them invest in their businesses and take risks that may be easier for larger companies to hedge against. At the same time, citing those risks, banks traditionally have been reluctant to lend to SMEs, which often lack the kind of assets that can act as collateral for credit applications. JCP's work pushing passage of Jordan's Secured Lending Law as well as its design and production of the collateral registry are poised to unlock this potential.


Working with the Jordanian Ministry of Industry, Trade, and Supply (MoITS), JCP has implemented an online Movable Collateral Registry and provided training to ministry staff on the system. Combined with the recent Secured Lending law, the online registry allows banks to lend to small- and medium-sized enterprises (SMEs) using their movable assets (equipment, inventory, receivables, etc.) as collateral.


As a result, banks' lending to SMEs is expected to increase by seven percent annually, representing a more than $1 billion per year increase in available financing and translating into approximately 30,000 jobs over four years.