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Access to Bank Credit in Sub-Saharan Africa

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  • Emilio Sacerdoti
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    Abstract

    This study discusses issues of access to bank credit in Sub-Saharan Africa, and examines measures that could help facilitate access by the private sector to bank credit. It reviews in particular obstacles to credit small- and medium-scale enterprises and agriculture, and examines progress in the design and implementation of reform measures that are needed to create an institutional environment more supportive of credit activity. It also reviews bank interest rate spreads and profit margins, and their determinants, and compares such spreads with those prevailing in other regions of the world.

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    Bibliographic Info

    Paper provided by International Monetary Fund in its series IMF Working Papers with number 05/166.

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    Length: 39
    Date of creation: 01 Aug 2005
    Date of revision:
    Handle: RePEc:imf:imfwpa:05/166

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    Keywords: Banking systems; Sub-Saharan Africa; Bank credit; Credit controls; Credit restraint; Interest rates; banking; banking system; financial system; working capital; financial intermediation; money market; crowding out; bonds; bank loans; liquidity ratio; money market instruments; financial statements; deposit rates; financial systems; bank liquidity; bank deposits; reserve requirements; return on equity; return on assets; financial sector; financial institutions; bank financing; accounting system; banking sector; bank of greece; financial markets; bank restructuring; banks with assets; bankers ? association; bank intermediation; bankers; net interest margin; excess liquidity; bank interest rate; interbank market; bank interest; national bank; financial resources; mortgage bonds; international financial statistics; financial stability; rediscount; small bank; cash flow; deposit rate; bank spreads; bank failures; money market mutual funds; banking institutions; moral hazard; credit union; macroeconomic stability; discounting; rediscounts; bank of portugal; issuance of mortgage bonds;

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    References

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    Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
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    1. Cottarelli, Carlo & Dell'Ariccia, Giovanni & Vladkova-Hollar, Ivanna, 2005. "Early birds, late risers, and sleeping beauties: Bank credit growth to the private sector in Central and Eastern Europe and in the Balkans," Journal of Banking & Finance, Elsevier, vol. 29(1), pages 83-104, January.
    2. Jakob Christensen, 2004. "Domestic Debt Markets in Sub-Saharan Africa," IMF Working Papers 04/46, International Monetary Fund.
    3. Ivanna Vladkova Hollar & Giovanni Dell'Ariccia & Carlo Cottarelli, 2003. "Early Birds, Late Risers, and Sleeping Beauties," IMF Working Papers 03/213, International Monetary Fund.
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    Cited by:
    1. Magnus Saxegaard, 2006. "Excess Liquidity and the Effectiveness of Monetary Policy," IMF Working Papers 06/115, International Monetary Fund.
    2. Prachi Mishra & Peter Montiel, 2012. "How Effective is Monetary Transmission in Low-Income Countries? A Survey of the Empirical Evidence," IMF Working Papers 12/143, International Monetary Fund.
    3. Sampawende Jules Tapsoba, 2011. "Union Monétaire en Afrique de l'Ouest: Quelles Réponses à l'Hétérogénéité des Chocs ?," Working Papers halshs-00554309, HAL.
    4. Gerald Epstein, 2009. "Rethinking Monetary and Financial Policy: Practical suggestions for monitoring financial stability while generating employment and poverty reduction," Published Studies ilo_epstein11_09, Political Economy Research Institute, University of Massachusetts at Amherst.
    5. Dhaneshwar Ghura & Kangni Kpodar & Raju Jan Singh, 2009. "Financial Deepening in the CFA Franc Zone:The Role of Institutions," IMF Working Papers 09/113, International Monetary Fund.
    6. KAMGNA, Severin Yves & Ndambendia, Houdou, 2008. "Excès de liquidité systémique et effectivité de la politique monétaire : cas des pays de la CEMAC
      [Excess liquidity and monetary policy effectiveness: The case of CEMAC countries]
      ," MPRA Paper 9599, University Library of Munich, Germany.
    7. James Heintz & Léonce Ndikumana, 2010. "Is There a Case for Formal Inflation Targeting in Sub-Saharan Africa?," Working Papers wp218, Political Economy Research Institute, University of Massachusetts at Amherst.
    8. Patrick Honohan & Thorsten Beck, 2007. "Making Finance Work for Africa," World Bank Publications, The World Bank, number 6626, October.
    9. Moffat, Boitnmelo & Valadkhani, Abbas & Harvie, Charles, 2008. "Identifying productivity change in Botswana’s financial institutions: an application of Malmquist productivity indices," Economics Working Papers wp08-13, School of Economics, University of Wollongong, NSW, Australia.
    10. James Heintz & Robert Pollin, 2008. "Targeting Employment Expansion, Economic Growth and Development in Sub-Saharan Africa: Outlines of an Alternative Economic Programme for the Region," Published Studies targeting_employment_expa, Political Economy Research Institute, University of Massachusetts at Amherst.

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