Debt rescheduling has been necessary for many of the MATEP loans. Managing the loan portfolio under conditions of poor credit quality was more expensive than anticipated and the project did not provide sufficient resources to allow constant contact with borrowers, including unannounced on-site visits, periodic financial reviews, verification of sales orders, and efficient legal action for delinquent loans. Although the situation seems to be improving slowly, interest rates remain relatively high, repayment periods are short, and banks often take months to reach a decision on whether to grant a loan, which is a major issue for agricultural producers. The constraints are now well understood by partner governments and the donor community, but the actions undertaken to address them are confronted with several challenges.