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Access to Bank Credit in Sub-Saharan Africa: Key Issues and Reform Strategies
Author:
Mr. Emilio Sacerdoti
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Series:
IMF Working Papers
Volume/Issue:
Volume 2005: Issue 166
Language:
English
Publication Date:
01 Aug 2005
DOI:
https://doi.org/10.5089/9781451861853.001
ISBN:
9781451861853
ISSN:
1018-5941
Pages:
39
Keywords:
WP; bank; firm; rate of return; broad money; financing; Banking systems; Sub-Saharan Africa; working capital; bank financing; return on assets; land tenure; risk assessment; financial support; operating expenses; cash flow; Credit; Bank credit; Credit bureaus; Loans; Commercial banks; Africa; Southern Europe; Central and Eastern Europe; West Africa
Legal-disclaimer:
IMF Working Papers describe research in progress by the author(s) and are published to elicit comments and to encourage debate. The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management.
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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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Cover IMF Working Papers
IMF Working Papers
ISSN:
1018-5941
Publisher:
International Monetary Fund