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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…

Microfinance Institutions in Ethiopia, Kenya and Uganda: Loan Outreach to the Poor and the Quest for Financial Viability

Loan outreach—financial viability nexus is among the unsettled issues in microfinance literature: unyielding stance favoring viability for increased outreach to the poor (depth) versus a trade-off view justifying subsidized Microfinance Institutions…

Economic Impact Analysis of Credit Guarantee Schemes in Eswatini: A Case of the Small Scale Enterprise Loan Guarantee Scheme (SSELGS)

Using data from 315 beneficiaries of the Small Scale Enterprise Loan Guarantee Scheme, this study assesses the impact of the Small Scale Loan Guarantee Scheme. The study assessed both the financial and economic additionality of the scheme. The study…

Regulatory Capital Requirements and Risk Taking Behaviour: Evidence from the Malawi Banking System - Research Paper

Proponents of stringent regulation argue in favour of higher capital requirements as it issaid to promote financial stability. Opponents of higher capital requirements argue that capital adequacy rules may not enhance stability but may in fact incre…

South Africans Endorse Self-Reliant Development but Question Free Trade and Loan Conditionalities

On the international stage, South Africa is often viewed as the gateway to Africa. The country is a relatively stable democracy with a sophisticated financial services industry that attracts global investment, making it an economic powerhouse in the…

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