Person:
Sanchez, Susana M.

Macroeconomics, Trade, and Investment Global Practice, Africa
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Fields of Specialization
Growth determinants, Poverty, Financial markets, Labor markets, Small and medium enterprise development
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0000-0001-6773-6491
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Macroeconomics, Trade, and Investment Global Practice
Africa
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Last updated: January 31, 2023
Biography
Susana Sanchez is the senior country economist for The Gambia in the Macroeconomics, Trade, and Investment Global Practice of the World Bank. She is currently based in Washington, DC. She has conducted research on growth determinants, financial markets and poverty, labor markets, and small and medium enterprise development, and has also led technical and advisory work on access to finance issues in Mexico, Brazil, El Salvador, Guatemala, Turkey, and Romania. 

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Author: Martinez Peria, Maria Soledad × Has files: true ×

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    Bank Lending to Small Businesses in Latin America : Does Bank Origin Matter?
    (World Bank, Washington, DC, 2002-01) Clarke, George R.G.; Cull, Robert; Martinez Peria, Maria Soledad; Sanchez, Susana M.
    In recent years foreign bank participation has increased tremendously in Latin America. Some observers argue that foreign bank entry will benefit Latin American banking systems by reducing the volatility of loans and deposits and increasing efficiency. Others are concerned that foreign banks might choose to extend credit only to certain customers, leaving some sectors-such as small businesses-unserved. The authors examine this issue. Using bank-level data for Argentina, Chile, Colombia, and Peru during the mid-1990s, they empirically investigate whether bank origin affects the share and growth rate of bank lending to small businesses. They find that although foreign banks generally lent less to small businesses (as share of total lending) than private domestic banks, the difference is due primarily to the behavior of small foreign banks. The difference was considerably smaller for large and medium-sized banks. And in Chile and Colombia, large foreign banks might actually lend slightly more (as share of total lending) than large domestic banks.
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    Foreign Bank Entry : Experience, Implications for Developing Countries, and Agenda for Further Research
    (World Bank, Washington, DC, 2001-10) Clarke, George; Cull, Robert; Martinez Peria, Maria Soledad; Sanchez, Susana M.
    In recent years, foreign bank participation has increased tremendously in several developing countries. In Argentina, Chile, the Czech Republic, Hungary and Poland, for example, more than fifty percent of banking assets are now in foreign-controlled banks. In Asia, Africa, The Middle East, and the former Soviet Union, the rate of entry by foreign banks has been slower, but the trend is similar. Although the number of countries welcoming foreign banks is growing, many questions about foreign bank entry are still being debated, including: 1) What draws foreign banks to a country? 2) Which banks expand abroad? 3) What do foreign banks do once they arrive? 4) How does the mode of a bank's entry - for example, as a branch of its parent, or as an independent subsidiary company - affect its behavior? The authors summarize current knowledge on these issues. In addition, since the existing literature focuses heavily on industrial countries, they put forth an agenda for further study of the effects of foreign bank entry in developing countries.