Bank Financing of SMEs in Five Sub-Saharan African Countries : The Role of Competition, Innovation, and the Government

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dc.creatorBerg, Gunhild
dc.creatorFuchs, Michael
dc.date2013-10-01T20:54:34Z
dc.date2013-10-01T20:54:34Z
dc.date2013-08
dc.date.accessioned2026-07-01T00:54:56Z
dc.descriptionThis 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.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2013/08/18091735/bank-financing-smes-five-sub-saharan-african-countries-role-competition-innovation-government
dc.identifierhttps://hdl.handle.net/10986/15994
dc.identifierhttps://doi.org/10.1596/1813-9450-6563
dc.identifier.urihttp://hdl.handle.net/123456789/412887
dc.languageEnglish
dc.languageen_US
dc.publisherWorld Bank, Washington, DC
dc.relationPolicy Research Working Paper;No. 6563
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCESS TO BANK
dc.subjectACCESS TO FINANCE
dc.subjectACCOUNT MANAGEMENT
dc.subjectAGRICULTURAL LOANS
dc.subjectAVAILABILITY OF CREDIT
dc.subjectBALANCE SHEETS
dc.subjectBANK ASSET
dc.subjectBANK ASSETS
dc.subjectBANK FINANCING
dc.subjectBANK LENDING
dc.subjectBANK LOANS
dc.subjectBANK OF TANZANIA
dc.subjectBANK OFFICIALS
dc.subjectBANK POLICY
dc.subjectBANKING SECTOR
dc.subjectBANKING SECTOR ASSETS
dc.subjectBANKING SYSTEMS
dc.subjectBANKS
dc.subjectBIG BANKS
dc.subjectBORROWING
dc.subjectBUSINESS PLANS
dc.subjectCAPITAL LOANS
dc.subjectCENTRAL BANK
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL REGISTRIES
dc.subjectCOLLATERAL REGISTRY
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCOLLATERALIZATION
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKS
dc.subjectCONCEPTUAL FRAMEWORK
dc.subjectCONTRACT ENFORCEMENT
dc.subjectCOOPERATIVES
dc.subjectCORPORATE BOND
dc.subjectCREDIT BUREAU
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT CONSTRAINTS
dc.subjectCREDIT DEPOSIT
dc.subjectCREDIT GUARANTEE
dc.subjectCREDIT GUARANTEES
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT LINE
dc.subjectCREDIT LINES
dc.subjectCREDIT MARKETS
dc.subjectCREDIT RECORDS
dc.subjectCREDIT REGISTRIES
dc.subjectCREDIT REPORTING
dc.subjectCREDIT REPORTING SYSTEMS
dc.subjectCREDIT RISK
dc.subjectCREDIT RISK MANAGEMENT
dc.subjectCREDITOR
dc.subjectCREDITOR RIGHTS
dc.subjectCREDITORS
dc.subjectCROWDING OUT
dc.subjectDEBT
dc.subjectDEBT MARKETS
dc.subjectDEPOSIT
dc.subjectDEPOSITS
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPING COUNTRY
dc.subjectDEVELOPMENT BANK
dc.subjectDEVELOPMENT BANKS
dc.subjectDEVELOPMENT FINANCE
dc.subjectDEVELOPMENT FINANCE INSTITUTION
dc.subjectDISPUTE RESOLUTION
dc.subjectDIVERSIFICATION
dc.subjectDOMESTIC BANKS
dc.subjectECONOMIC DEVELOPMENT
dc.subjectECONOMIC GROWTH
dc.subjectECONOMICS
dc.subjectEMPLOYMENT
dc.subjectENABLING ENVIRONMENT
dc.subjectENFORCEMENT OF CONTRACTS
dc.subjectENTREPRENEURSHIP
dc.subjectEQUITY FUNDS
dc.subjectEXCHANGE RATE
dc.subjectEXTERNAL FINANCE
dc.subjectEXTERNAL FINANCING
dc.subjectFACTORING
dc.subjectFINANCIAL CONTRACTS
dc.subjectFINANCIAL DEEPENING
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL STABILITY
dc.subjectFINANCIAL STATEMENTS
dc.subjectFINANCIAL SYSTEMS
dc.subjectFINANCING OBSTACLES
dc.subjectFOREIGN BANKS
dc.subjectFORM OF CREDIT
dc.subjectGOVERNMENT BORROWING
dc.subjectGOVERNMENT INVOLVEMENT
dc.subjectGOVERNMENT POLICIES
dc.subjectGOVERNMENT POLICY
dc.subjectGOVERNMENT SECURITIES
dc.subjectGOVERNMENT SUPPORT
dc.subjectGROUP LOANS
dc.subjectGUARANTEE FEE
dc.subjectGUARANTEE FUND
dc.subjectGUARANTEE FUNDS
dc.subjectGUARANTEE PRODUCT
dc.subjectGUARANTEE PRODUCTS
dc.subjectGUARANTEE SCHEME
dc.subjectGUARANTEE SCHEMES
dc.subjectHIGH INTEREST RATES
dc.subjectHOLDING
dc.subjectID
dc.subjectIDS
dc.subjectIMMOVABLE ASSETS
dc.subjectINFLATION
dc.subjectINFLATION RATES
dc.subjectINFORMAL FINANCE
dc.subjectINFORMATION SHARING
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES ON GOVERNMENT SECURITIES
dc.subjectINTERNATIONAL BANK
dc.subjectJUDICIAL ENFORCEMENT
dc.subjectJUDICIAL SYSTEM
dc.subjectLAWS
dc.subjectLEGAL CONSTRAINTS
dc.subjectLEGAL FRAMEWORK
dc.subjectLEGISLATION
dc.subjectLENDING INTEREST RATE
dc.subjectLENDING TECHNIQUES
dc.subjectLEVEL PLAYING FIELD
dc.subjectLINES OF CREDIT
dc.subjectLOAN
dc.subjectLOAN GUARANTEE
dc.subjectLOAN GUARANTEE PROGRAM
dc.subjectLOAN PORTFOLIOS
dc.subjectLOAN PRODUCTS
dc.subjectLOAN RECOVERY
dc.subjectLOAN TERM
dc.subjectLOCAL CURRENCY
dc.subjectMACROECONOMIC ENVIRONMENT
dc.subjectMACROECONOMIC STABILITY
dc.subjectMANDATES
dc.subjectMARKET PARTICIPANTS
dc.subjectMARKET PLAYERS
dc.subjectMARKET SIZE
dc.subjectMATURITY
dc.subjectMATURITY MISMATCHES
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROFINANCE SECTOR
dc.subjectMOVABLE COLLATERAL
dc.subjectNEW MARKET
dc.subjectOIL
dc.subjectOPAQUE SMALL BUSINESSES
dc.subjectOUTREACH
dc.subjectPARTIAL CREDIT
dc.subjectPAYMENT HISTORIES
dc.subjectPORTFOLIO
dc.subjectPRIME RATE
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATE CREDIT BUREAU
dc.subjectPRIVATE ENTERPRISES
dc.subjectPRIVATE EQUITY
dc.subjectPRIVATE SECTOR COMMERCIAL BANKS
dc.subjectPROFITABILITY
dc.subjectPROFITABLE BUSINESS
dc.subjectREGULATORY FRAMEWORK
dc.subjectREGULATORY STRUCTURES
dc.subjectRELATIONSHIP LENDING
dc.subjectRESERVE
dc.subjectRESERVE BANK
dc.subjectRETAIL BANKING
dc.subjectRETURNS
dc.subjectRISK MANAGEMENT
dc.subjectSECURITIES
dc.subjectSECURITIES MARKETS
dc.subjectSECURITIZATION
dc.subjectSMALL BUSINESS
dc.subjectSMALL BUSINESS FINANCE
dc.subjectSMALL BUSINESS LENDING
dc.subjectSMALL ENTERPRISE
dc.subjectSMALL ENTERPRISE FINANCE
dc.subjectSMALL ENTERPRISES
dc.subjectSMALL FIRM FINANCE
dc.subjectSTART-UPS
dc.subjectT-BILL
dc.subjectT-BILL RATE
dc.subjectTAX
dc.subjectTECHNICAL ASSISTANCE
dc.subjectTELECOMMUNICATIONS
dc.subjectTRANSITION COUNTRIES
dc.subjectTREASURY
dc.subjectTREASURY BILL
dc.subjectTREASURY BILL RATES
dc.subjectUNION
dc.subjectWORKING CAPITAL
dc.titleBank Financing of SMEs in Five Sub-Saharan African Countries : The Role of Competition, Innovation, and the Government

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