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Retail Rural Finance In South Africa: From Policies To Practice

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  • Coetzee, Gerhard K.

Abstract

In South Africa a recent government study laid the foundations for improving access to financial services for rural people. More is however needed than simply stating the policies. It is argued that policies do not differentiate target groups adequately. This can result in inefficient implementation of policies. The concept of a broad range of institutional possibilities to improve access to financial services, none of which specifically provides a conclusive model, is considered to be realistic. The idea is to muster this range of possible forms into a co-ordinated effort to increase access to financial services for rural people in all rural areas. This paper emphasises the reality of the situation when choosing policy directions. NGOs, commercial banks and the Post Bank do not hold the primary key to improving access to financial services in rural areas in South Africa. Several studies discussed the broad range of possible institutional forms in the rural areas of South Africa. The role of decentralised financial systems has not been the focus point of any of these studies. It is argued that fertile ground exists in South Africa for decentralised financial systems to address access problems at the local level. Decentralised systems also cannot be the solution to all intermediation problems. A multipronged approach is proposed, harnessing all institutional forms into a comprehensive strategy.

Suggested Citation

  • Coetzee, Gerhard K., 1998. "Retail Rural Finance In South Africa: From Policies To Practice," Agrekon, Agricultural Economics Association of South Africa (AEASA), vol. 37(4), pages 1-13, December.
    • Handle: RePEc:ags:agreko:54894
    DOI: 10.22004/ag.econ.54894
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    References listed on IDEAS

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    1. Prabhu Ghate & Evelinda Ballon & Virginia Manalo, 1996. "Poverty alleviation and enterprise development: The need for a differentiated approach," Journal of International Development, John Wiley & Sons, Ltd., vol. 8(2), pages 163-178.
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    Cited by:

    1. Kirsten, Johann F. & van Zyl, Johan, 1998. "Defining Small-Scale Farmers In The South African Context," Agrekon, Agricultural Economics Association of South Africa (AEASA), vol. 37(4), pages 1-12, December.
    2. Douglas Woodward & Robert Rolfe & André Ligthelm & Paulo Guimarães, 2011. "The Viability Of Informal Microenterprise In South Africa," Journal of Developmental Entrepreneurship (JDE), World Scientific Publishing Co. Pte. Ltd., vol. 16(01), pages 65-86.

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