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Financial Sector Development in Africa : Opportunities and Challenges

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World Bank (WB)

Abstract: Africa's financial systems face challenges across many dimensions, as discussed in the report financing Africa: through the crisis and beyond. The analysis in that report was based partly on several detailed background papers that are included in this volume. The next six chapters are written by experts in their respective areas and provide an in-depth analysis of these challenges and present possible solutions. In this introduction, the authors provide an overview of the different chapters and how they are related to each other and the main volume. The three chapters in first part focus on key challenges concerned with access to financial services, including financial and operational deficiencies in the microfinance market, reaping the benefits from the technological revolution of retail banking, and deepening and broadening agricultural finance across Africa. The three chapters thus each cover different aspects with a different focus, ranging from an institutional approach to a focus on innovation as a driver of financial broadening to an important element of financial infrastructure to a specific sector. The second part includes the fourth chapter, it involves documents the sizable need for additional housing in many African countries, based on these countries' continuous population growth and an ongoing urbanization trend. The third part includes fifth chapter, which discuss the repercussions of regulatory reforms in Europe and North America for African regulators as well as local challenges. The fourth part includes the sixth chapter, which is the final chapter of this volume. It discusses the politics of financial sector reform in Africa and, more specifically, the space needed for an activist role for government to help create the markets and coordination mechanisms necessary for financial markets to deepen and broaden.
Type: Publications & Research :: Publication
Publications & Research :: Publication
Link: http://documents.worldbank.org/curated/en/2012/11/16988270/financial-sector-development-africa-opportunities-challenges
978-0-8213-9628-5
http://hdl.handle.net/10986/11881
Subject: ACCESS TO CREDIT
ACCESS TO FINANCE
ACCESS TO FINANCIAL SERVICES
ACCESS TO LOANS
ADVERSE MACROECONOMIC ENVIRONMENT
ADVISORY SERVICES
AFFORDABILITY
AFFORDABLE HOUSING
AGRICULTURAL FINANCE
AGRICULTURAL SECTOR
APPLICATION COSTS
ATMS
AVERAGE BALANCES
BANK ACCOUNT
BANK ACCOUNTS
BANK LOAN
BANK LOANS
BANK OFFICE
BANKING CRISES
BANKING SERVICE
BANKING SERVICES
BANKING SUPERVISION
BANKS
BEST PRACTICE
BOND
BORROWER
BORROWING
BORROWINGS
BUSINESS ACTIVITY
BUSINESS ADVISORY
BUSINESS DEVELOPMENT
BUSINESS DEVELOPMENT SERVICES
BUSINESS MANAGEMENT
BUSINESS PEOPLE
BUYER
CALCULATIONS
CAPITAL ADEQUACY
CAPITAL REQUIREMENTS
CC
COLLATERAL
COLLATERAL REQUIREMENT
COLLATERALS
COMMERCIAL BANK
COMMERCIAL BANKS
COMMERCIAL FINANCE
CONSULTING FIRM
CONSUMER PROTECTION
CONTRIBUTION
CONTRIBUTIONS
COOPERATIVES
CREDIT BUREAUS
CREDIT COOPERATIVES
CREDIT HISTORIES
CREDIT HISTORY
CREDIT INFORMATION
CREDIT INFORMATION SYSTEM
CREDIT RATING
CREDIT RATING AGENCIES
CREDIT RATINGS
CREDIT REGISTRIES
CREDIT RISK
CREDIT UNIONS
CREDIT-WORTHINESS
CUSTOMER SERVICE
DEPOSIT
DEPOSIT ACCOUNTS
DEPOSIT BALANCE
DEPOSIT BALANCES
DEPOSIT MOBILIZATION
DEPOSITOR
DEPOSITORS
DEPOSITS
DEVELOPMENT FINANCE
DEVELOPMENT OF WOMEN
DISCLOSURE REQUIREMENT
DOUBLE BOTTOM LINE
ECONOMIC GROWTH
ECONOMIES OF SCALE
ENTREPRENEURS
EQUITY INVESTMENT
EXCLUSION
FEMALE BORROWERS
FEMALE CLIENTS
FINANCES
FINANCIAL ACCESS
FINANCIAL CAPACITY
FINANCIAL COSTS
FINANCIAL CRISIS
FINANCIAL INFRASTRUCTURE
FINANCIAL INNOVATION
FINANCIAL INTERMEDIATION
FINANCIAL LITERACY
FINANCIAL MARKET
FINANCIAL MARKETS
FINANCIAL PENETRATION
FINANCIAL POLICY
FINANCIAL PRODUCT
FINANCIAL PROVIDERS
FINANCIAL REFORM
FINANCIAL REGULATION
FINANCIAL REGULATORS
FINANCIAL RESOURCES
FINANCIAL SECTOR
FINANCIAL SECTOR DEVELOPMENT
FINANCIAL SECTOR REFORM
FINANCIAL SECTORS
FINANCIAL SERVICES
FINANCIAL SERVICES AUTHORITY
FINANCIAL SERVICES INDUSTRY
FINANCIAL STABILITY
FINANCIAL SUPPORT
FINANCIAL SUSTAINABILITY
FINANCIAL SYSTEM
FINANCIAL SYSTEMS
FLEXIBLE REPAYMENT
FORMAL BANK
FORMAL FINANCE
FUNDING SOURCE
GENDER
GOVERNMENT INTERVENTION
GOVERNMENT INTERVENTIONS
GOVERNMENT POLICY
GROUP LOANS
GUARANTEE SCHEME
HOUSEHOLD INCOME
HOUSEHOLDS
HOUSING FINANCE
HOUSING LOANS
HUSBANDS
ID
INFORMATION ABOUT CREDIT
INFORMATION SHARING
INFORMATION TECHNOLOGY
INITIAL PUBLIC OFFERING
INTEREST RATE
INTEREST RATES
INTERNATIONAL BANK
INTERNATIONAL BANKING
INVESTMENT BANK
KEY CHALLENGES
LACK OF CREDIT
LENDERS
LOAN
LOAN DOCUMENTATION
LOAN FACILITIES
LOAN FACILITY
LOAN OFFICERS
LOAN PORTFOLIO
LOAN PROCESSING
LOAN REPAYMENT
LOAN REPAYMENT RATES
LOAN REPAYMENTS
LOAN SIZE
LOANS TO WOMEN
LOW-INCOME
MARKET ANALYSES
MARKETING
MEDIUM ENTERPRISE
MEDIUM ENTERPRISES
MFI
MFIS
MICRO ENTERPRISE
MICRO-FINANCE
MICROCREDIT
MICROFINANCE
MICROFINANCE INSTITUTION
MICROFINANCE INSTITUTIONS
MINIMUM BALANCE
MONEY TRANSFER
MONTHLY PAYMENT
MORTGAGE
MORTGAGE DEBT
MORTGAGE LOAN
NECESSARY COLLATERAL
NEW MARKETS
OPERATING COSTS
OUTREACH
PAYMENT SERVICES
PENETRATION RATE
PENETRATION RATES
PENSION
POINT OF SALE
PRIVATE FINANCIAL INSTITUTIONS
PRIVATE INVESTMENT
PRIVATE INVESTORS
PROFITABILITY
PUBLIC POLICY
REALITY CHECK
REGISTRATION REQUIREMENTS
REMITTANCES
REPAYMENT
REPAYMENT PERIOD
RETAIL BANKING
RISK AVERSION
RISK MANAGEMENT
RURAL BANKS
RURAL BRANCH
RURAL CLIENTS
RURAL FINANCE
SAVINGS
SAVINGS PRODUCTS
SECONDARY MORTGAGE MARKETS
SECURITIES
SENIOR
SMALL INVESTORS
SOCIAL ENTREPRENEURSHIP
SOCIAL FUND
SOCIAL NETWORK
SOURCE OF INCOME
START-UP
START-UPS
STOCK EXCHANGE
TAX INCENTIVES
TRANSACTION
TRANSACTION COSTS
UNFAIR COMPETITION
UNION
URBAN POPULATION
VOLUNTARY DEPOSIT
WOMEN ENTREPRENEURS




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