Access to Bank Credit in Sub-Saharan Africa: Key Issues and Reform Strategies

August 1, 2005

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Emilio Sacerdoti. Access to Bank Credit in Sub-Saharan Africa: Key Issues and Reform Strategies, (USA: International Monetary Fund, 2005) accessed December 26, 2024

Disclaimer: This Working Paper should not be reported as representing the views of the IMF.The views expressed in this Working Paper are those of the author(s) and do not necessarily represent those of the IMF or IMF policy. Working Papers describe research in progress by the author(s) and are published to elicit comments and to further debate

Summary

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.

Subject: Bank credit, Banking, Commercial banks, Credit, Credit bureaus, Financial institutions, Financial markets, Loans, Money

Keywords: Africa, Bank, Bank credit, Bank financing, Banking systems, Broad money, Cash flow, Central and Eastern Europe, Commercial banks, Credit, Credit bureaus, Financial support, Financing, Firm, Land tenure, Loans, Operating expenses, Rate of return, Return on assets, Risk assessment, Southern Europe, Sub-Saharan Africa, West Africa, Working capital, WP

Publication Details

Pages:

39
Volume:

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DOI:

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Issue:

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Series:

Working Paper No. 2005/166
Stock No:

WPIEA2005166
ISBN:

9781451861853
ISSN:

1018-5941

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