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Is there Discrimination Against Female Entrepreneurs in Formal Credit Markets in Nigeria?

Access to finance is often cited as one of the major factors impeding the growth of women-owned businesses in developing countries. However, one critical question that remains in the existing literature is whether this “access problem” is due to act…

Is there Discrimination against Women Entrepreneurs in Formal Credit Markets in Nigeria?

This research investigates whether women entrepreneurs in small and medium-sized enterprise (SMEs) in Nigeria are marginalised in formal credit markets compared to their male counterparts. The study also investigates the impact of credit access on…

Digitising Financial Services: A Tool for Financial Inclusion in South Africa?

Financial inclusion offers incremental and complementary solutions to tackle poverty, promote inclusive development and address the Sustainable Development Goals. This paper examines financial inclusion and provides a macro view of the overall benef…

Despite Recent Banking Shake-up, Ghanaians Still See Banks as their Safest Options

Ghana’s banking sector is the second-largest in the West African Monetary Zone and recorded a 33.9% increase in total assets between June 2016 (GHS 66.29 billion) and June 2018 (GHS 100.35 billion). But during the past two years, the country’s finan…

Does Financial Literacy Influence Use of Mobile Financial Services In Malawi? Evidence from Malawi Household Survey Data

Mobile financial services are gaining prominence and could be a possible avenue for fast-tracking financial inclusion in developing countries, including Malawi. However, adoption and usage of such services remains low among the Malawi population. Th…

A Call for Inclusive Entrepreneurship in Somalia: Opportunities and Barriers for Female Entrepreneurs in Accessing Micro-Finance

Between 800 A.D. and 1,000 A.D., Somalis exported gums, precious gems, ghee and ostrich feathers particularly to Ethiopia and nearby Arabia (the Arabian Peninsula). They also traded slaves who were brought to the ports from further inland. The Musl…

Appartenance à un Réseau, Gouvernance et Performance dans les Coopératives d’épargne et de Crédit au Cameroun / Network Membership, Governance and Performance in Savings and Credit Cooperatives in Cameroon

This work aims to show the central role of the network in the functioning of governance systems regarding savings and credit cooperatives, and to assess the influence of the membership of a cooperative in a network on its performance. Based on an em…

Gouvernance dans les Institutions de Microfinance : Contingence et Apprentissage Organisationnel / Governance in Microfinance Institutions: Contingency and Organizational Learning

This work aims to show the central role of contingency variables and organizational learning for the definition of effective modes of governance in MFIs. Thus, the dependence of the MFI on resources, the culture that can be national or organizationa…

Facilitating Financial Inclusion through Promoting the use of Mobile Money as a Saving Avenue

Mobile money has gained so much prominence in the developing world in recent times due to its potential to bring on board the financially excluded people in the rural areas and transform the mainly cash economies of developing countries into a cashl…

Complémentarité entre Banques et Structures de Microfinance en Afrique Subsaharienne: une Réflexion à Partir des Analyses de G. B. Richardson

The Complete English Title of this document: Complementarity between Banks and Microfinance Structures in Sub-Saharan Africa: a reflection from the analyzes of G. B. Richardson. The main object of this paper is mainly the analysis of the complementa…

Dynamics of Decline in Small-scale Sugarcane Production in South Africa: Evidence from Two 'Rural' Wards in the Umfolozi Region

"Using evidence from two rural wards in the Umfolozi region, this paper critically investigates the dynamics and constraints of small-scale sugarcane production under conditions of decline. The rapid decline in small-scale sugarcane production was h…

Capital Flight and the Financial System

"Capital flight has become an increasing source of concern for policy makers in developing countries, including African economies, since it represents a severe constraint for growth and development. This paper analyzes how the domestic and global fi…

China-Africa: A Maturing Relationship? Growth, Change and Resilience

"This event focused on three areas: ● China’s changing role in the global economy and the impact of this on African economies, as well as on development in Africa generally; ● the role of natural resources and wildlife in China-Africa trade, inclu…

Small and Medium Enterprise Access to Finance in Ethiopia: Synthesis of Demand and Supply

"In this paper, we analyze the financing gap of SMEs in Ethiopia and recommend ways of addressing the financing gap. Specifically, the study addresses a) the financing needs and financing options of SMEs in Ethiopia, b) Key constraints of SMEs acces…

Implications of Cash Dominated Transactions for Money Laundering

"Money laundering has traditionally been associated solely with banks. Action to combat money laundering has therefore focussed on the banks, reflecting the historical emphasis on the laundering of street cash derived from the sale of drugs. While i…

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-nor…

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 refle…

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 borrower…

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, sa…

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