Access to Bank Credit in Sub-Saharan Africa: Key Issues and Reform Strategies

39 Pages Posted: 3 Mar 2006

See all articles by Emilio Sacerdoti

Emilio Sacerdoti

International Monetary Fund (IMF)

Date Written: August 2005

Abstract

This study discusses issues of access to bank credit in Sub-Saharan Africa, and examines measures that could help facilitate access by the private sector to bank credit. It reviews in particular obstacles to credit small- and medium-scale enterprises and agriculture, and examines progress in the design and implementation of reform measures that are needed to create an institutional environment more supportive of credit activity. It also reviews bank interest rate spreads and profit margins, and their determinants, and compares such spreads with those prevailing in other regions of the world.

Keywords: Banking systems, Sub-Saharan Africa

JEL Classification: E44, G21, G28, O23, O55

Suggested Citation

Sacerdoti, Emilio, Access to Bank Credit in Sub-Saharan Africa: Key Issues and Reform Strategies (August 2005). IMF Working Paper No. 05/166, Available at SSRN: https://ssrn.com/abstract=888035

Emilio Sacerdoti (Contact Author)

International Monetary Fund (IMF) ( email )

700 19th Street NW
Washington, DC 20431
United States

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