Financial Sector Development in Africa: Opportunities ... - World Bank

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38 Jarotschkin References At erido, Reyes, Thorsten Beck, and Leonardo Iacovone. 2011. “Gender and Finance in Sub-Saharan Africa: Are Women Disadvantaged?” Policy Research Working Paper 5571, World Bank, Washington, DC. Basel Committee on Banking Supervision. 2010. Microfinance Activities and the Core Principles for Effective Banking Supervision. Bank for International Settlements. Business.UN.Org. 2009. “UNDP Partner with Equity Bank to Reduce Poverty and Promote Entrepreneurship by Increasing Women’s Access to Credit.” http:// business.un.org/en/documents/2302. CGAP (Consultative Group to Assist the Poor). 2009. Overview of Microfinance- Related Legal and Policy Reform in Sub-Saharan Africa. Washington, DC: CGAP. ———. 2010a. Conversation with Aleksandr-Alain Kalanda, Chief Executive Officer of Opportunity Bank of Malawi. http://technology.cgap.org/category/ africa/malawi/. ———. 2010b. Virtual Conference on “What Benefits Can MFIs Expect to Gain by Using M-Banking Technology?” http://technology.cgap.org/2010/09/08/ virtual-conference-day-1-session-1-what-benefits-can-mfis-expect-to-gainby-using-m-banking/. CGAP (Consultative Group to Assist the Poor) and World Bank. 2010. Financial Access 2010: The State of Financial Inclusion through the Crisis. Washington, DC: CGAP and World Bank. Christen, Robert Peck, Timothy R. Lyman, and Richard Rosenberg. 2003. Microfinance Consensus Guidelines: Guiding Principles on Regulation and Supervision of Microfinance. Washington, DC: CGAP. Collins, Daryl, Jonathan Morduch, Stuart Rutherford, and Orlanda Ruthven. 2009. Portfolios of the Poor: How the World’s Poor Live on $2 a Day. Princeton, NJ: Princeton University Press. CSFI (Centre for the Study of Financial Innovation). 2011. Microfinance Banana Skins Report: The CSFI Survey of Microfinance Risk. http://www.citi.com/citi/ microfinance/data/news110125b.pdf. Cull, Robert, Asli Demirgüç-Kunt, and Jonathan Morduch. 2006. “Financial Performance and Outreach: A Global Analysis of Leading Microbanks.” World Bank Research Working Paper 3827, World Bank, Washington, DC. ———. 2007. “Microfinance Meets the Market.” Research Working Paper 4630, World Bank, Washington, DC. ———. 2009. “Does Regulatory Supervision Curtail Microfinance Profitability and Outreach?” Research Working Paper 4748, World Bank, Washington, DC.
Microfinance in Africa 39 Ehrbeck, Tilman. 2011. “Reflections on the State of Access to Finance,” March 30. http://www.cgap.org/p/site/c/template.rc/1.26.15875/. Equity Bank. 2010. “Equity Bank Targets Women, Youth in Countrywide Financial Training.” http://www.equitybank.co.ke/index.php/blog/view/ equity-bank-targets-women-youth-in-countrywide-financial-training. FAI (Financial Access Initiative). 2010. “M-Kesho in Kenya: A New Step for M-Pesa and Mobile Banking.” Financial Access Initiative blog post, May 27. http://financialaccess.org/blog/2010/05/m-kesho-kenya-new-step-m-pesaand-mobile-banking. FinScope. 2009a. Mozambique Survey. FinMark Trust. ———. 2009b. Zambia Survey. FinMark Trust. ———. 2010a. South Africa. Small Business Survey. FinMark Trust. ———. 2010b. Tanzania Survey. FinMark Trust. FSD Kenya and CGAP (Financial Sector Deepening Kenya and Consultative Group to Assist the Poor). 2009. Mobile Payments in Kenya: Findings from a Survey of M-Pesa Users and Agents. Nairobi: FSD Kenya. Gallup. 2010. Household Survey in 18 African Countries. Giné, Xavier, Jessica Goldberg, and Dean Yang. 2010. “Identification Strategy: A Field Experiment on Dynamic Incentives in Rural Credit Markets.” Policy Research Working Paper 5438, World Bank, Washington, DC. Giné, Xavier, and Dean Karlan. 2009. “Group versus Individual Liability: Long Term Evidence from Philippine Microcredit Lending Groups.” Working Paper 970, Economic Growth Center, Yale University. Karlan, Dean, Margaret McConnelly, Sendhil Mullainathan, and Jonathan Zinman. 2010. “Getting to the Top of Mind. How Reminders Increase Savings.” http://karlan.yale.edu/p/Top-of-Mind-April2010.pdf. Kass Media Group. 2012. “Equity Bank Gives 1 Billion to Boost Financial Literacy.” http://www.kassfm.co.ke/news/business/1311-equity-bank-gives- 1-billion-to-boost-financial-literacy. Kiva.org. 2009. “Kiva.org Enhances Online Microfinance with Moody’s Credit Risk Expertise.” Kiva.org Press Release, September 28. http://www.kiva.org/ press/releases/release_20090928. Kumar, Kabir, Claudia McKay, and Sarah Rotman. 2010. “Microfinance and Mobile Banking: The Story So Far.” Focus Note 62 (July), CGAP, Washington, DC. Luboyeski, V., D. Bagchi, and M. Chawinga. 2004. Microfinance Sector Assessment in the Republic of Malawi. USAID, Chemonics Consortium. http://pdf.usaid.gov/ pdf_docs/PNACX006.pdf. MicroRate. 2011. Microfinance Performance Ratings. http://microrate.com/ home/ratings-methodology/microfinance-institution-methodology.
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lic Disclosure Authorized Public Di
Page 5 and 6:
Financial Sector Development in Afr
Page 7 and 8:
Contents Foreword Acknowledgments E
Page 9 and 10: Contents vii PART III Safeguarding
Page 11: Contents ix 4.4 Size of Mortgage Lo
Page 14 and 15: xii Foreword In their own way, each
Page 16 and 17: xiv Acknowledgments led by Stefan N
Page 18 and 19: xvi Editors and Contributors of Acc
Page 20 and 21: xviii Editors and Contributors deve
Page 22 and 23: xx Abbreviations FSB FSD FSDT FSI G
Page 24 and 25: 2 Beck and Maimbo to the bottom of
Page 26 and 27: 4 Beck and Maimbo advocate a “bui
Page 29 and 30: CHAPTER 1 Microfinance in Africa Al
Page 31 and 32: Microfinance in Africa 9 Figure 1.1
Page 33 and 34: Microfinance in Africa 11 A Special
Page 35 and 36: Microfinance in Africa 13 Figure 1.
Page 37 and 38: Microfinance in Africa 15 Impedimen
Page 39 and 40: Microfinance in Africa 17 Figure 1.
Page 41 and 42: Microfinance in Africa 19 to physic
Page 43 and 44: Microfinance in Africa 21 Understan
Page 45 and 46: Microfinance in Africa 23 Some exam
Page 47 and 48: Table 1.2 Fanikisha Project Type of
Page 49 and 50: Microfinance in Africa 27 world reg
Page 51 and 52: Microfinance in Africa 29 implicitl
Page 53 and 54: Microfinance in Africa 31 Financial
Page 55 and 56: Microfinance in Africa 33 situation
Page 57 and 58: Microfinance in Africa 35 have yet
Page 59: Microfinance in Africa 37 9. This i
Page 63 and 64: CHAPTER 2 Mobile Financial Services
Page 65 and 66: Mobile Financial Services in Africa
Page 69 and 70: Table 2.2 African First- and Second
Page 99 and 100: Table 2A.1 ID and SIM Registration
Page 101 and 102: 79 Guinea Yes http://fr.allafrica.c
Page 103: Togo Yes http://www.mediaf.org/fr/t
Page 106 and 107: 84 Coates and Hofmeister chains. It
Page 108 and 109: 86 Coates and Hofmeister unions in
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88 Coates and Hofmeister trap for t
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90 Coates and Hofmeister Sources of
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92 Coates and Hofmeister Box 3.1 Ca
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94 Coates and Hofmeister farm input
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96 Coates and Hofmeister Technical
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98 Coates and Hofmeister agree to b
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100 Coates and Hofmeister Box 3.3 C
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102 Coates and Hofmeister Attitudes
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104 Coates and Hofmeister developin
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106 Coates and Hofmeister specifica
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108 Coates and Hofmeister ———
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CHAPTER 4 Housing Finance Simon Wal
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Housing Finance 113 Figure 4.1 Mort
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Housing Finance 115 countries, down
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Housing Finance 117 • The housing
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Housing Finance 119 limited to a fe
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Housing Finance 121 housing and inf
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Housing Finance 123 borrowed by ext
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Housing Finance 125 Box 4.1 Afforda
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Housing Finance 127 Box 4.2 South A
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Housing Finance 129 the degree to w
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Housing Finance 131 markets is the
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Housing Finance 133 are unable to o
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Housing Finance 135 greenfield vent
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Housing Finance 137 Figure 4.5 Obst
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Housing Finance 139 changes in the
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Housing Finance 141 • Introduce a
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Housing Finance 143 Box 4.6 Progres
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Housing Finance 145 of the impact o
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Housing Finance 147 funds. Within s
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Housing Finance 149 Hassler, O., an
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CHAPTER 5 The Reform Agenda for Fin
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The Reform Agenda for Financial Reg
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PART IV Financial Sector Reform: Ac
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180 Dafe lack access to external in
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182 Dafe having a positive theory o
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184 Dafe In sum, high transaction c
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186 Dafe through the selective allo
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188 Dafe institutions of the indust
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190 Dafe the boundaries of informat
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192 Dafe range of examples of both
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194 Table 6.1 Period Since the end
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196 Dafe state-owned financial inst
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198 Dafe The degree of success, in
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200 Dafe Although the current conse
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202 Dafe The interdependence of the
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204 Dafe in the 1980s and 1990s wer
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206 Dafe Alternative Approaches to
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208 Table 6.2 Approach to explain/
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210 Dafe state-centered, and interd
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212 Dafe particularly important fac
Page 236 and 237:
214 Dafe Table 6.3 (continued) Mana
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216 Dafe activism in the developing
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218 Dafe structures can undermine m
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220 Dafe Conclusion There is strong
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222 Dafe policy is not straightforw
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224 Dafe banks that open agents in
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226 Dafe Bankable Frontier Associat
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228 Dafe Goldsheid, R. 1958. “A S
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230 Dafe ———. 2001. Types of
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