SME Finance in Ethiopia : Addressing the Missing Middle Challenge

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dc.creatorWorld Bank
dc.date2015-02-25T17:49:05Z
dc.date2015-02-25T17:49:05Z
dc.date2015-02-10
dc.date.accessioned2026-07-01T00:44:07Z
dc.descriptionThis study starts with a brief analysis of which firms are the main net job creators in Ethiopia and then focuses on the financing constraints of Ethiopian Micro, Small and Medium Enterprises (MSMEs) as one of the key obstacles to job creation and growth. The study uses two demand-side and an ad-hoc supply side survey administered to 16 financial institutions. This survey allowed collecting data on the actual involvement of financial institutions with MSMEs, their perception of potential public policy approaches to enhance MSME access to finance and the adequateness of their current business models. The combination of both demand-side and supply-side analysis allows to gain a full picture of MSME finance practices in Ethiopia by connecting information on firm experiences with the reporting of financial institutions on their business practices. While there was already anecdotal evidence that small firms were lacking proper access to finance in Ethiopia, the value added of this study is to provide accurate empirical evidence of the existence of a missing middle phenomenon.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2015/02/24011867/sme-finance-ethiopia-addressing-missing-middle-challenge
dc.identifierhttps://hdl.handle.net/10986/21488
dc.identifierhttps://doi.org/10.1596/21488
dc.identifier.urihttp://hdl.handle.net/123456789/410123
dc.languageEnglish
dc.languageen_US
dc.publisherWashington, DC
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCOUNT HOLDERS
dc.subjectACCOUNTING
dc.subjectAFFORDABLE PRICE
dc.subjectAGRICULTURAL SECTOR
dc.subjectALTERNATIVE SOURCES OF FINANCING
dc.subjectALTERNATIVE SOURCES OF FUNDING
dc.subjectASSET PORTFOLIO
dc.subjectAUCTION
dc.subjectAUDITING
dc.subjectAUDITS
dc.subjectBANK ASSETS
dc.subjectBANK BRANCHES
dc.subjectBANK CUSTOMERS
dc.subjectBANKING SECTOR
dc.subjectBANKING SECTOR ASSET
dc.subjectBANKING SERVICES
dc.subjectBANKING SUPERVISION
dc.subjectBANKING SYSTEM
dc.subjectBANKING SYSTEMS
dc.subjectBANKS
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectBUSINESS ACTIVITIES
dc.subjectBUSINESS ANALYSIS
dc.subjectBUSINESS DEVELOPMENT
dc.subjectBUSINESS MANAGEMENT
dc.subjectBUSINESS STRATEGY
dc.subjectBUSINESS TRANSACTIONS
dc.subjectCAPACITY BUILDING
dc.subjectCAPITAL MARKETS
dc.subjectCASH FLOW
dc.subjectCASH FLOWS
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL REGIME
dc.subjectCOLLATERAL REGISTRY
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCOLLATERAL SYSTEMS
dc.subjectCOLLATERALS
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKS
dc.subjectCONTRACT ENFORCEMENT
dc.subjectCREDIT ACCESS
dc.subjectCREDIT ANALYSIS
dc.subjectCREDIT BUREAU
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT CONSTRAINED FIRM
dc.subjectCREDIT CONSTRAINT
dc.subjectCREDIT CONSTRAINTS
dc.subjectCREDIT FACILITIES
dc.subjectCREDIT GUARANTEE
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT INFORMATION SYSTEM
dc.subjectCREDIT INFORMATION SYSTEMS
dc.subjectCREDIT LINES
dc.subjectCREDIT MARKET
dc.subjectCREDIT PROGRAMS
dc.subjectCREDIT PROVISION
dc.subjectCREDIT REGISTRY
dc.subjectCREDIT REPORTING
dc.subjectCREDIT RISK
dc.subjectCREDIT RISK MANAGEMENT
dc.subjectCREDIT SCORING
dc.subjectCREDITOR
dc.subjectCREDITOR RIGHTS
dc.subjectCREDITWORTHINESS
dc.subjectDEBT
dc.subjectDEBT RECOVERY
dc.subjectDEPOSIT
dc.subjectDEPOSIT INSURANCE
dc.subjectDEPOSITS
dc.subjectDEVELOPMENT BANK
dc.subjectDIRECTED CREDIT
dc.subjectDISINTERMEDIATION
dc.subjectDIVERSIFICATION
dc.subjectDOCUMENTATION REQUIREMENTS
dc.subjectECONOMIC CONTRIBUTION
dc.subjectECONOMIC DEVELOPMENT
dc.subjectECONOMIC GROWTH
dc.subjectEMPLOYEE
dc.subjectEMPLOYERS
dc.subjectEMPLOYMENT DYNAMICS
dc.subjectEMPLOYMENT GROWTH
dc.subjectEMPLOYMENT OPPORTUNITIES
dc.subjectENABLING ENVIRONMENT
dc.subjectENFORCEMENT SYSTEMS
dc.subjectENTREPRENEURSHIP DEVELOPMENT
dc.subjectEXPENDITURE
dc.subjectEXTERNAL FINANCE
dc.subjectEXTERNAL FINANCING
dc.subjectEXTERNAL SHOCKS
dc.subjectFACTORING
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL INTERMEDIARY
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL PRODUCT
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL SECTOR REFORM
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE ACCESSIBILITY
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SUPPORT
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFINANCING NEEDS
dc.subjectFLOW OF FUNDS
dc.subjectFRAUD
dc.subjectGOVERNMENT SUPPORT
dc.subjectGROUP GUARANTEES
dc.subjectGROUP LOANS
dc.subjectGUARANTEE SCHEMES
dc.subjectIMMOVABLE ASSETS
dc.subjectINCOME GROUP
dc.subjectINCOME LEVELS
dc.subjectINFLATION
dc.subjectINFORMAL FINANCING
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL BANK
dc.subjectINVESTMENT DECISIONS
dc.subjectJOB CREATION
dc.subjectLACK OF ACCESS
dc.subjectLACK OF AWARENESS
dc.subjectLACK OF COLLATERAL
dc.subjectLACK OF KNOWLEDGE
dc.subjectLAWS
dc.subjectLEGISLATION
dc.subjectLENDERS
dc.subjectLENDING PORTFOLIO
dc.subjectLINE OF CREDIT
dc.subjectLINES OF CREDIT
dc.subjectLIQUIDATION
dc.subjectLIQUIDITY
dc.subjectLIQUIDITY CONSTRAINTS
dc.subjectLIQUIDITY RISK
dc.subjectLOAN
dc.subjectLOAN AMOUNT
dc.subjectLOAN ANALYSIS
dc.subjectLOAN APPLICATIONS
dc.subjectLOAN APPRAISAL
dc.subjectLOAN DECISIONS
dc.subjectLOAN MATURITY
dc.subjectLOAN PORTFOLIOS
dc.subjectLOAN SIZE
dc.subjectLONG TERM FINANCING
dc.subjectLONG-TERM FINANCE
dc.subjectMACROECONOMIC STABILITY
dc.subjectMATURITIES
dc.subjectMFI
dc.subjectMFIS
dc.subjectMICRO ENTERPRISE
dc.subjectMICRO ENTERPRISES
dc.subjectMICRO FINANCE
dc.subjectMICRO FINANCE INSTITUTION
dc.subjectMICRO FINANCE INSTITUTIONS
dc.subjectMICRO FINANCE SECTOR
dc.subjectMICRO FINANCING
dc.subjectMICRO-ENTERPRISE
dc.subjectMICROENTERPRISES
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROFINANCE SECTOR
dc.subjectNATIONAL BANK
dc.subjectNET LOSS
dc.subjectOUTREACH
dc.subjectOUTSTANDING DEPOSITS
dc.subjectOUTSTANDING LOANS
dc.subjectOVERDRAFT
dc.subjectOVERDRAFT FACILITY
dc.subjectPARTIAL CREDIT
dc.subjectPAYMENT SERVICES
dc.subjectPERSONAL ASSETS
dc.subjectPRIVATE BANKS
dc.subjectPRIVATE COMMERCIAL BANKS
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATE SECTOR COMMERCIAL BANKS
dc.subjectPRIVATE SECTOR CREDIT
dc.subjectPRODUCTIVITY
dc.subjectPROFITABILITY
dc.subjectPRUDENTIAL REGULATIONS
dc.subjectPUBLIC BANKS
dc.subjectPUBLIC CREDIT
dc.subjectPUBLIC INVESTMENTS
dc.subjectPUBLIC POLICY
dc.subjectREGULATORY FRAMEWORK
dc.subjectREGULATORY FRAMEWORKS
dc.subjectREORGANIZATION
dc.subjectRESERVE REQUIREMENTS
dc.subjectRETURN ON EQUITY
dc.subjectRETURNS
dc.subjectRISK MANAGEMENT
dc.subjectRISK MITIGATION
dc.subjectRISK PROFILES
dc.subjectSALES GROWTH
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNT
dc.subjectSMALL BUSINESS
dc.subjectSMALL ENTERPRISE
dc.subjectSMALL ENTERPRISES
dc.subjectSUPERVISORY AUTHORITY
dc.subjectTECHNICAL ASSISTANCE
dc.subjectTRANSACTION
dc.subjectTRANSACTION COSTS
dc.subjectTURNOVER
dc.subjectUNEMPLOYMENT
dc.subjectUNSECURED CREDIT
dc.subjectURBAN AREAS
dc.subjectVALUE OF COLLATERAL
dc.subjectVENTURE CAPITAL
dc.subjectWOMEN ENTREPRENEURSHIP
dc.titleSME Finance in Ethiopia : Addressing the Missing Middle Challenge

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