South Africa Economic Update : Focus on Financial Inclusion

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dc.creatorWorld Bank
dc.date2014-01-10T20:37:52Z
dc.date2014-01-10T20:37:52Z
dc.date2013-05
dc.date.accessioned2026-07-01T00:54:47Z
dc.descriptionConditions in global financial markets have eased since mid-2012, reflecting improvements in fiscal sustainability and the establishment of mutual support mechanisms in the European Union (EU), even as the global economic recovery remains fragile and susceptible to downside risks. South Africa's growth slowed from 3.5 percent in 2011 to 2.5 percent in 2012, reflecting primarily the sluggish external environment and domestic labor strife. Growth declined in 8 of the 10 major subsectors. Researchers, policymakers, and other financial sector stakeholders are becoming more interested in the transformative power of financial inclusion. In South Africa, expanding access to financial services for individuals and small enterprises could reduce the country's persistent income inequality and stimulate growth. South Africa, as Africa's only G20 member and as one of the BRICS, plays an influential global role, and progress in financial inclusion could thus have an important demonstration effect. While formal financial institutions offer an array of financial services, this Update focuses on formal payments, savings, and credit. Financial inclusion is vital because of the role of financial services in helping individuals and firms withstand income shocks and smooth spending. A well-functioning financial system produces and processes information on investment opportunities and allocates capital based on these assessments; monitors individuals' and firms' performance after allocating capital; facilitates the trading, diversification, and management of risk; mobilizes and pools savings; and eases the exchange of goods, services, and financial instruments.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2013/05/17796511/south-africa-economic-update-focus-financial-inclusion
dc.identifierhttps://hdl.handle.net/10986/16563
dc.identifierhttps://doi.org/10.1596/16563
dc.identifier.urihttp://hdl.handle.net/123456789/412853
dc.languageEnglish
dc.languageen_US
dc.publisherWashington, DC
dc.relationSouth Africa economic update; issue no. 4
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo
dc.rightsWorld Bank
dc.subjectACCESS INDICATORS
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO FINANCING
dc.subjectACCOUNT HOLDERS
dc.subjectACCOUNT OWNERSHIP
dc.subjectADMINISTRATIVE COSTS
dc.subjectADVANCED ECONOMIES
dc.subjectAGRICULTURAL FINANCE
dc.subjectATM NETWORKS
dc.subjectBALANCE SHEET
dc.subjectBALANCE SHEETS
dc.subjectBANK ACCOUNT
dc.subjectBANK ACCOUNTS
dc.subjectBANK BRANCH
dc.subjectBANK BRANCHES
dc.subjectBANK CHARGES
dc.subjectBANK FEES
dc.subjectBANK LENDING
dc.subjectBANKING SERVICES
dc.subjectBANKING SUPERVISION
dc.subjectBANKS
dc.subjectBARRIERS TO ENTRY
dc.subjectBIG BANKS
dc.subjectBOND MARKET
dc.subjectBUSINESS ACTIVITY
dc.subjectBUSINESS CONFIDENCE
dc.subjectBUSINESS ENTERPRISES
dc.subjectBUSINESS OPPORTUNITIES
dc.subjectCAPITAL ADEQUACY
dc.subjectCAPITAL FLOW
dc.subjectCAPITAL FLOWS
dc.subjectCAPITAL FORMATION
dc.subjectCAPITAL MARKETS
dc.subjectCAPITAL REQUIREMENT
dc.subjectCAPITAL REQUIREMENTS
dc.subjectCAPITAL STOCK
dc.subjectCASH DEPOSIT
dc.subjectCASH FLOW
dc.subjectCASH TRANSFERS
dc.subjectCASH WITHDRAWALS
dc.subjectCHAMBER OF COMMERCE
dc.subjectCO-OPERATIVE BANKS
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKERS
dc.subjectCOMMERCIAL BANKING
dc.subjectCOMMERCIAL BANKS
dc.subjectCONSUMER CONFIDENCE
dc.subjectCONSUMER CREDIT
dc.subjectCONSUMER GOODS
dc.subjectCONSUMER PRICE INDEX
dc.subjectCONSUMER PROTECTION
dc.subjectCOOPERATIVE BANK
dc.subjectCOOPERATIVE BANKING
dc.subjectCOOPERATIVE BANKS
dc.subjectCOOPERATIVES
dc.subjectCOST PRESSURES
dc.subjectCREDIT ASSOCIATIONS
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT CARD
dc.subjectCREDIT COOPERATIVE
dc.subjectCREDIT COOPERATIVES
dc.subjectCREDIT DEFAULT
dc.subjectCREDIT DEFAULT SWAP
dc.subjectCREDIT FACILITIES
dc.subjectCREDIT FACILITY
dc.subjectCREDIT GUARANTEES
dc.subjectCREDIT HISTORY
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT MARKET
dc.subjectCREDIT PROVIDERS
dc.subjectCREDIT RATING
dc.subjectCREDIT RISK
dc.subjectCREDIT SCORING
dc.subjectCREDIT UNION
dc.subjectCREDITS
dc.subjectCURRENT ACCOUNT
dc.subjectDEBIT CARDS
dc.subjectDEBT
dc.subjectDEBT SERVICE
dc.subjectDEPOSIT
dc.subjectDEPOSITS
dc.subjectDEVELOPING COUNTRIES
dc.subjectDISCLOSURE REQUIREMENTS
dc.subjectDISPOSABLE INCOME
dc.subjectDIVERSIFICATION
dc.subjectDOCUMENTATION REQUIREMENTS
dc.subjectDOWN MARKET
dc.subjectEARNINGS
dc.subjectECONOMIC ACTIVITY
dc.subjectECONOMIC DEVELOPMENTS
dc.subjectECONOMIC GROWTH
dc.subjectELECTRONIC PAYMENT
dc.subjectELECTRONIC PAYMENTS
dc.subjectEMPLOYEE
dc.subjectEMPLOYMENT STATUS
dc.subjectEMPLOYMENT STATUSES
dc.subjectENTERPRISE CREDIT
dc.subjectEQUITIES
dc.subjectEQUITY INVESTMENTS
dc.subjectEXCHANGE RATE
dc.subjectEXCHANGE RATES
dc.subjectEXPENDITURE
dc.subjectEXPORT EARNINGS
dc.subjectFINANCES
dc.subjectFINANCIAL ACCOUNT
dc.subjectFINANCIAL ACCOUNTS
dc.subjectFINANCIAL EDUCATION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INSTRUMENTS
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL MARKET
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL NEEDS
dc.subjectFINANCIAL REGULATION
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFISCAL DEFICIT
dc.subjectFISCAL POLICY
dc.subjectFIXED ASSETS
dc.subjectFIXED CAPITAL
dc.subjectFIXED COSTS
dc.subjectFOREIGN DIRECT INVESTMENT
dc.subjectFORMAL BANK
dc.subjectFORMAL BANKING
dc.subjectFORMAL ECONOMY
dc.subjectFORMAL FINANCIAL INSTITUTION
dc.subjectFORMAL FINANCIAL INSTITUTIONS
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectGENDER
dc.subjectGEOGRAPHIC ACCESS
dc.subjectGOVERNMENT BOND
dc.subjectGOVERNMENT BOND YIELD
dc.subjectGOVERNMENT BONDS
dc.subjectGOVERNMENT INTERVENTION
dc.subjectGROWTH OPPORTUNITIES
dc.subjectHOUSEHOLD DEBT
dc.subjectHOUSEHOLDS
dc.subjectHOUSING FINANCE
dc.subjectHUMAN CAPITAL
dc.subjectINDEBTEDNESS
dc.subjectINEQUALITIES
dc.subjectINEQUALITY
dc.subjectINFLATION
dc.subjectINFORMAL BORROWING
dc.subjectINFORMAL CREDIT
dc.subjectINFORMAL LENDER
dc.subjectINFORMAL SAVINGS
dc.subjectINFORMATION ASYMMETRY
dc.subjectINFORMATION ON INVESTMENT
dc.subjectINFORMATION TECHNOLOGY
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL BANK
dc.subjectINVESTMENT OPPORTUNITIES
dc.subjectJOB CREATION
dc.subjectLABOR FORCE PARTICIPATION
dc.subjectLABOR FORCE SURVEYS
dc.subjectLABOR MARKET
dc.subjectLABOR MARKETS
dc.subjectLACK OF COLLATERAL
dc.subjectLENDERS
dc.subjectLIMITED ACCESS
dc.subjectLOAN
dc.subjectLOAN DELINQUENCY
dc.subjectLOW INTEREST RATES
dc.subjectMARKET ECONOMIES
dc.subjectMERCHANT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMONETARY POLICY
dc.subjectMONEY TRANSFERS
dc.subjectMORTGAGE
dc.subjectMORTGAGE LOAN
dc.subjectNEW BUSINESS
dc.subjectOPEN MARKET
dc.subjectOUTREACH
dc.subjectOVERDRAFT
dc.subjectPARTIAL CREDIT
dc.subjectPAYDAY LOANS
dc.subjectPAYMENT SERVICES
dc.subjectPAYMENT SYSTEM
dc.subjectPENETRATION RATE
dc.subjectPOINT-OF-SALE
dc.subjectPOST OFFICES
dc.subjectPRIVATE CAPITAL
dc.subjectPRIVATE INVESTMENT
dc.subjectPROFITABILITY
dc.subjectPROPERTY MARKETS
dc.subjectPUBLIC INVESTMENT
dc.subjectPUBLIC POLICY
dc.subjectPURCHASING POWER
dc.subjectPURCHASING POWER PARITY
dc.subjectREAL ESTATE
dc.subjectRECEIPTS
dc.subjectRECESSION
dc.subjectREPAYMENT
dc.subjectRETAIL BANKING
dc.subjectRISK PERCEPTIONS
dc.subjectSAVINGS PRODUCTS
dc.subjectSAVINGS RATE
dc.subjectSMALL BUSINESS
dc.subjectSMALL BUSINESSES
dc.subjectSMALL ENTERPRISE
dc.subjectSMALL ENTERPRISES
dc.subjectSOCIAL DEVELOPMENT
dc.subjectSOCIAL SECURITY
dc.subjectSTOCK MARKETS
dc.subjectTERM CREDIT
dc.subjectUNEMPLOYMENT
dc.subjectUNEQUAL ACCESS
dc.subjectUNION
dc.subjectURBAN AREAS
dc.subjectWHOLESALE FUNDING
dc.titleSouth Africa Economic Update : Focus on Financial Inclusion

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