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Towards Urban Poverty Alleviation in Tanzania: A case for the Use of Housing Licences to Access Credit

"In Tanzania, mainstreaming or formalisation of the informal sector, was started with the aim of increasing participation of the informal businesses in the country’s economy. This policy brief highlights the willingness of the community to use ho...

A Positive and Normative Analysis of Bank Supervision in Nigeria

"The study attempted to characterize the nature and determinants of bank distress in Nigeria, as well as the approaches adopted by the supervisory agencies to ensure that banks operate safe and sound practices. In doing this, it combined a non-n...

Bank Performance and Supervision in Nigeria : Analyzing the Transition to a Deregulated Economy

"The study focuses on the effect of gradual deregulation in a developing economy on the efficiency of banks and the banking sector. It assesses whether the policy package results in an improvement in the technical efficiency of the industry. This ...

African Economic and Monetary Union (WAEMU)

"This paper measures the efficiency of WAEMU banks and its determining factors, after the banking system reforms from 1993 to 1996. Data envelopment analysis (DEA) was used for assessing technical efficiency and a stochastic frontier analysis (SFA...

Formal and Informal Institutions’ Lending Policies and Access to Credit by Small-Scale Enterprises in Kenya: An Empirical Assessment

"This study assessed the role of institutional lending policies among formal and informal credit institutions in determining the access of small-scale enterprises to credit in Kenya. The results of the study show that the limited use of credit ref...

Service Sector Liberalisation in India: Key lessons and challenges

"The service sector is one of the fastest-growing sectors in the Indian economy. It has been integral to India’s overall liberalisation and structural reform programme, which was initiated in the 1980s and gained momentum after 1991. The increasi...

Financial Liberalization and its Implications for the Domestic Financial System: The Case of Uganda

"This paper presents an analysis of the impact of financial liberalization on the conduct of banking business and its impact on the real sector. Survey results show that the overall assessment by commercial banks of financial sector liberalization...

Financial Sector Liberalization and Productivity Change in Uganda's Commercial Banking Sector

"The study employed quarterly data over a 13-year period from 1993 to 2005 to study the evolution of Total Factor Productivity (TFP) and its determinants among 11 banks in Uganda. Productivity was measured using the Malmquist index while the deter...

Financial Sector Reforms, Macroeconomic Instability and the Order of Economic Liberalization: The Evidence from Nigeria

"Financial sector reforms began in Nigeria with the deregulation of interest rates in August 1987. Since then, far-reaching policy measures including the chartering of new banks, reform of the capital market and a move from direct to indirect mone...

Financial System Regulation, Deregulation and Savings Mobilization in Nigeria

"This study aims to provide a detailed analysis of the behavioural patterns of savings in Nigeria during the eras of financial regulation and deregulation. The impact of the policies of regulation and deregulation on savings mobilization were anal...

Ghana: Monetary Targeting and Economic Development

"The objective of the paper, is to propose a financial programming framework that uses the technique of targets and indicators to assist the monetary authority in conducting policy to achieve its macro-economic goals. The proposed programming fram...

Global Economic and Financial Crisis: Transmission Channels and Impacts on Sub-Saharan African Economies

"In this paper, an overview is then provided of how sub-Saharan African countries are exposed to the crisis through both financial and real transmission channels, and critically assess the impacts on different economies with recent data. The first...

Links Between the Informal and Formal/Semi Formal Financial Sectors in Malawi

"The Study has two main objectives. The first is to investigate complimentary and competitive deposit and credit links between informal and formal/semi-informal financial sectors of the economy of Malawi. The study examines the behaviour of borrow...

Market Structure, Liberalization and Performance in the Malawian Banking Industry

"Financial sector reforms led to the removal of credit ceilings and interest rate controls and opened the banking system to new competition. This study examines the effect of financial sector reforms on market structure, financial intermediation, ...

Small and Medium-Scale Enterprises in Nigeria their Characteristics, Problems and Sources of Finance

"This study examines survey data in order to evaluate the characteristics of SMEs that make it more difficult for them to be profitable and the particular problems that they face which may have contributed to their poor performance.The results of...

The Global Financial Crisis and African Economies: Impact and Transmission Channels

"This paper is intended to highlight the general impact of the crisis on African countries in terms of economic performance and then show some variations across countries by discussing how the different transmission channels operated in them, and ...

The Informal Financial Sector and Macroeconomic Adjustment in Malawi

"The aim of this study is to improve the understanding of the nature, size and role of the informal sector in Malawi. The study pursues the following interrelated objectives: to determine the origin and underlying reasons for the development of th...

The Informal and Semi-Formal Financial Sectors in Ethiopia: a Study of the Iqqub, Iddir, and Savings and Credit Co-operatives

"The basic purpose of this study is to generate empirical information on the informal and semi-formal financial sectors in Ethiopia with a view to improving our understanding of their economic importance. The study focuses on the iqqub and iddir...

The Nigerian Banking System in the Context of Policies of Financial Regulation and Deregulation

"This study aims at using simple descriptive indices to assess the impact of policies of financial regulation and deregulation on the financial system over time,and in particular on savings mobilization. In the second section of this paper we disc...

The Savings-Investment Process in Nigeria: an Empirical Study of the Supply Side

"This study characterizes the major factors perceived by bankers as affecting the savings-investment process in Nigeria. In making lending decisions, the respondents tend to behave in accordance with the anticipated income theory of asset managem...

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