Islamic Republic of Mauritania : Financial Sector Development Strategy and Action Plan 2013-2017
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Washington, DC
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The financial sector comprises all
institutions and agencies that are involved in financing the
economy, mobilizing savings, managing risks and providing
means of payment. In view of the importance of the services
rendered, the financial sector constitutes the footing of
development of the national economy. Economic growth,
private sector development, job creation and poverty
reduction depend on a sound, efficient and vigorous
financial sector. In its efforts to develop the financial
sector and enable it to effectively support the development
of the national economy, the Government of Mauritania has
sought the support of the World Bank and the International
Monetary Fund (IMF). Accordingly, under the Financial Sector
Assessment Program (FSAP), a joint International Monetary
Fund (IMF) and World Bank mission conducted a study on the
financial sector in Mauritania in February 2006. The study
analyzed the financial performance, as well as the strengths
and weaknesses of the sector institutions, and level of
access to financial services. As at 31 December 2012, the
financial sector comprised: (a) a Central Bank; (b) 17
licensed banks and financial establishments ; (c) 30
licensed microfinance institutions (MFI) and a project , (d)
postal financial services ; (e) 11 insurance companies; (f)
2 social security schemes, with an institution, the National
Social Security Fund (CNSS); and (g) 31 licensed foreign
exchange offices. The total assets of these institutions
stood at about UM 520 billion (about USD 2 billion). There
is a nascent money market (treasury bills market and
interbank market). There are no stocks and bonds market.
Banks dominate the sector with nearly 93 percent of total assets.
Palabras clave
ACCEPTABLE COLLATERAL, ACCESS POINT, ACCESS TO BANKING, ACCESS TO BANKING SERVICES, ACCESS TO CREDIT, ACCESS TO FINANCE, ACCESS TO FINANCIAL SERVICES, ACCESS TO FINANCING, ACCESS TO LOANS, ACCOUNT HOLDERS, ACCOUNT MANAGEMENT, ACCOUNTING, AFFILIATED COMPANIES, AGRICULTURAL BANK, AGRICULTURAL CREDIT, ARREARS, ASSET MANAGEMENT, AUDITING, AUDITORS, AUDITS, AUTONOMY, BAD DEBTS, BALANCE SHEET, BALANCE SHEETS, BANK ACCOUNT, BANK ACCOUNTS, BANK ASSETS, BANK BRANCHES, BANK CREDIT, BANK DEPOSITS, BANK FINANCING, BANK LOANS, BANKING LAW, BANKING NETWORK, BANKING NETWORKS, BANKING SECTOR, BANKING SUPERVISION, BANKING SYSTEM, BANKS, BENEFIT PAYMENTS, BOND MARKET, BUSINESS COMMUNITY, BUSINESS DEVELOPMENT, BUSINESS PLANS, BUSINESS RISKS, BUSINESS VOLUME, CAPACITY BUILDING, CAPITAL ASSET, CAPITAL MARKETS, CASH FLOW, CASH PAYMENTS, CHAMBER OF COMMERCE, CHECKING ACCOUNTS, CLEARING HOUSE, COLLATERALS, COMMERCIAL BANK, COMMERCIAL BANKS, COST-SHARING, CREDIT ANALYSIS, CREDIT BUREAU, CREDIT CARD, CREDIT CARDS, CREDIT COOPERATIVE, CREDIT COOPERATIVES, CREDIT INFORMATION, CREDIT INFORMATION SYSTEMS, CREDIT INSTITUTIONS, CREDIT RISK, CREDIT UNION, CREDITS, CURRENT ACCOUNT, CURRENT ACCOUNTS, CUSTOMER BASE, DEBT, DEBT COLLECTION, DEBTS, DEFICITS, DEMAND DEPOSITS, DEMAND FOR COLLATERAL, DEPOSIT, DEPOSIT ACCOUNTS, DEPOSITORS, DEPOSITS, DIVERSIFICATION, EARNINGS, ECONOMIC ACTIVITY, ECONOMIC DEVELOPMENT, ECONOMIC GROWTH, ECONOMIC POLICIES, EIB, EMPLOYERS, EMPLOYMENT, EQUALITY, EQUITY CAPITAL, EXPENDITURES, EXTERNAL FINANCING, EXTERNAL SHOCKS, FACTORING, FAMILIES, FARMER, FARMERS, FINANCIAL ANALYSIS, FINANCIAL CAPACITIES, FINANCIAL CAPACITY, FINANCIAL INSTITUTIONS, FINANCIAL INTERMEDIARIES, FINANCIAL INTERMEDIATION, FINANCIAL LITERACY, FINANCIAL MANAGEMENT, FINANCIAL MARKET, FINANCIAL MARKETS, FINANCIAL NEEDS, FINANCIAL PERFORMANCE, FINANCIAL PRODUCTS, FINANCIAL RESOURCES, FINANCIAL SECTOR ASSESSMENT, FINANCIAL SECTOR DEVELOPMENT, FINANCIAL SELF-SUFFICIENCY, FINANCIAL SYSTEM, FINANCING ACCESS, FOREIGN BANKS, FOREIGN EXCHANGE, FOREIGN INVESTMENT, HANDICRAFT, HIGH INTEREST RATE, HOUSEHOLDS, HOUSING, HOUSING FINANCE, HOUSING LOAN, HOUSING LOANS, INCOME-GENERATING ACTIVITIES, INFLATION, INFORMATION MANAGEMENT, INFORMATION SYSTEM, INFORMATION SYSTEMS, INFORMATION TECHNOLOGY, INSTALLMENT, INSURANCE, INTEREST RATE RISKS, INTEREST RATES, INTERNAL CONTROLS, INVESTMENT BANK, ISLAMIC BANKING, JOB CREATION, LABOR MARKET, LACK OF ACCESS, LACK OF AWARENESS, LACK OF KNOWLEDGE, LAND DEVELOPMENT, LAND REGISTRATION, LAWS, LEGAL FRAMEWORK, LEGISLATION, LIMITED ACCESS, LINE OF CREDIT, LINES OF CREDIT, LIQUIDITY RATIO, LOAN, LOAN AMOUNT, LOAN ANALYSIS, LOAN PORTFOLIO, LOAN RECOVERY, MANAGEMENT INFORMATION SYSTEMS, MARKET DEVELOPMENT, MERCHANTS, MFI, MFIS, MICRO FINANCE, MICRO FINANCE INSTITUTION, MICRO-CREDIT, MICRO-ENTERPRISES, MICRO-FINANCE, MICRO-FINANCE INSTITUTIONS, MICROCREDIT, MICROFINANCE, MICROFINANCE INSTITUTION, MICROFINANCE INSTITUTIONS, MONEY LAUNDERING, MORTGAGE, MORTGAGES, NATIONAL BANK, NET WORTH, NEW COMPANIES, NONPERFORMING LOANS, OPERATING COSTS, OPERATING RATIO, PAYMENT SYSTEMS, PENETRATION RATE, PENSION FUND, PENSION FUNDS, PENSIONS, PRIVATE INVESTMENTS, PRIVATE SAVINGS, PRODUCTIVITY, PROFITABILITY, PROMOTION ACTIVITY, REAL ESTATE, REAL PROPERTY, REGULATORY FRAMEWORK, REORGANIZATION, RETAINED EARNINGS, RETIREMENT, RURAL ACCESS, RURAL FINANCE, RURAL FINANCIAL SERVICES, RURAL FINANCING, RURAL LOANS, SAVINGS, SAVINGS ACCOUNTS, SAVINGS PLANS, SECURITIES, SHORT-TERM DEPOSITS, SMALL BUSINESSES, SMALL ENTERPRISES, SOCIAL SECURITY, SOLVENCY, STOCK MARKET, SUBSIDIARY, TECHNICAL ASSISTANCE, TECHNICAL SUPPORT, TRAINING CENTER, TRANSPORT, TREASURY BILLS, UNION, URBAN AREAS, URBAN DEVELOPMENT, VENTURE CAPITAL, WAREHOUSE, WAREHOUSE RECEIPT, WORKING CAPITAL