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Stopping Guinea's Slide

Guinea risks becoming West Africa's next failed state. Its economy is faltering, the government has nearly ceased to provide services, and in 2004, there were isolated uprisings in at least eight towns and cities in all regions of the country. Get...

Switching costs, Relationship Banking & MSMEs Formal Bank Credit in Zambia

"We find that MSMEs choice of the main-bank does not persist signaling the absence of switching costs and the vague role of relationship banking. Moreover, switching a main-bank has no effect on lending interest rates. Our results imply that MSMEs...

Misconceptions Surround High Interest Rates and Low Bank Credit to MSMEs in Zambia

"The important contribution made by MSMEs in the development of any economy cannot be overlooked. In Zambia, MSMEs contribute about 56% of the total number of jobs and account for over 80% of the number of businesses registered at the Patents and ...

High Interest Rates in Ghana, A Critical Analysis

The question of high interest rates in Ghana is examined in this paper. The author notes that high interest rates have not only kept the cost of credit unnecessarily high, but have also discouraged many otherwise viable projects from being impleme...

Nigeria Economic Review : First Half Report 2015

The Nigeria Economic Review is a biannual publication of CSEA. A concise overview is provided in this review of key aspects of the Nigerian economy. It is an attempt to track the developments in the relevant aspects of the economy over a six-mont...

Nigeria Economic Update Issue 28

This brief update on the current stance of the Nigerian economy firstly discussed the Foreign Exchange and Foreign Reserves, starting with the depreciation of the Naira at the interbank foreign exchange market between June 17, 2016 and June 24,201...

An Empirical Analysis of Interest Rate Spread in Kenya

"The study aimed to explain the factors determining interest rate spread for Kenya’s banking sector. For the pre-liberalization period, the minimum and maximum ceilings on deposit and lending rates set a maximum interest rate spread. Variations ...

Economic Liberalization, Monetary Policy and Money Demand in Rwanda: 1980–2005

"The objective of this study was to estimate a long and short run money demand function in the Rwandan economy. Using the Johansen approach, this paper established that there was a stable long-run equilibrium relationship between the demand for ...

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 Reforms and Interest Rate Liberalization: The Kenya Experience

"The study explored the sequencing and actions so far taken in the liberalization process in Kenya. The study also examined the interest rate levels, spreads and determining factors, as an indicator of financial sector response to the reform proce...

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, ...

What Drives Private Saving in Nigeria

"This study discusses the trend in Nigerian saving behaviour and reviews policy options to increase domestic saving. It also examines the determinants of private saving in Nigeria during the 1970-2007 period. It makes an important contribution to...

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