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agriculture e.g. areas of reform assessment Asset Inequality associated problems Banerjee Bank Lending Bank-supported projects benefits capital markets CASs collateral comprehensive constraint Country Assistance Strategy credibility define property rights Deininger Derived demand developing countries development of land Dowall East Asia effective Enforcement RICE Evaluation evidence Finance and Risk findings Fiscal Policy Fixed in location focus on land formal framework housing e.g. housing finance impact implementation income information asymmetry infrastructure inputs institutional development interest rate land and real Land Markets land reforms land registration land tenure landless lending operations market reforms Moldova mortgage finance Operations Evaluation Department output ownership percent Policy Research poverty reduction price controls productivity real estate assets real estate issues real estate markets real estate reforms reduce reforming land regulatory Renaud rent control rental housing Research Working Paper Risk Management sector subsidies tenants term finance Thailand transaction costs urban Washington D.C. World Bank