Bank Financing of SMEs in Five Sub-Saharan African Countries [electronic resource] : The Role of Competition, Innovation, and the Government / Gunhild Berg
Material type:
TextPublication details: Washington, D.C., The World Bank, 2013Description: 1 online resource (22 p.)Subject(s): Access to Finance | Bank Finance | Banking Sector Structure | Banks & Banking Reform | Debt Markets | Environmental Economics & Policies | Finance and Financial Sector Development | Financial Intermediation | Private Sector Development | Small and Medium Enterprise Finance | Sub-Saharan AfricaAdditional physical formats: Berg, Gunhild: Bank Financing of SMEs in Five Sub-Saharan African Countries.Online resources: Click here to access online Abstract: This paper provides an overview of the state of access to bank financing for SMEs in five Sub-Saharan African countries and analyzes the drivers behind banks' involvement with SMEs. The paper builds on data collected through five in-depth studies in Kenya, Nigeria, Rwanda, South Africa, and Tanzania between 2010 and 2012. The paper shows that the share of SME lending in the overall loan portfolios of banks varies between 5 and 20 percent. Reasons for this finding vary, but key contributing factors are the structure and size of the economy and the extent of Government borrowing, the degree of innovation mainly as introduced by foreign entrants to financial sectors, and the state of the financial sector infrastructure and enabling environment.
This paper provides an overview of the state of access to bank financing for SMEs in five Sub-Saharan African countries and analyzes the drivers behind banks' involvement with SMEs. The paper builds on data collected through five in-depth studies in Kenya, Nigeria, Rwanda, South Africa, and Tanzania between 2010 and 2012. The paper shows that the share of SME lending in the overall loan portfolios of banks varies between 5 and 20 percent. Reasons for this finding vary, but key contributing factors are the structure and size of the economy and the extent of Government borrowing, the degree of innovation mainly as introduced by foreign entrants to financial sectors, and the state of the financial sector infrastructure and enabling environment.
There are no comments on this title.