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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 in…

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 a…

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…

Bank Competition in Africa: Do Institutional Quality and Cross-border Banking Matter? - Research Paper

This study analyses the implications of cross-border banking (CBB) and institutional quality (IQ) for bank competition in Africa. We apply a two-step estimation procedure using bank-level panel data for 29 African countries. In step one, the Boone i…

Concurrence Bancaire et Inclusion Financière : Preuve du Ghana / Bank Competition and Financial Inclusion: Evidence from Ghana

This paper investigates how banking sector competition, measured from the consumer's perspective as well as from financial intermediary pricing behaviour, affects financial inclusion in a developing country like Ghana. Financial inclusion in Ghana h…

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