Publication:
Financial Inclusion in the Middle East and North Africa : Analysis and Roadmap Recommendations

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dc.contributor.authorPearce, Douglas
dc.date.accessioned2012-03-19T18:01:20Z
dc.date.available2012-03-19T18:01:20Z
dc.date.issued2011-03-01
dc.description.abstractThe paper provides an assessment of the state of financial inclusion in the MENA region, and identifies constraints, opportunities, and priorities for significantly improving access to finance. Practical recommendations for improving financial inclusion are outlined. Firstly, governments could agree a Financial Inclusion Strategy that is underpinned by improved data, that has both public and private sector commitment, and that scales up financial access on a large scale, principally through bank accounts. Secondly, the regulators should provide a legal and supervisory framework that enables access to finance to be expanded primarily through banks, but with regulatory space for the use of agents, mobile phone technology, and for a finance company model for microcredit and leasing. Interest rate caps on microloans should be removed, and instead consumer protection and supervisory capacity for microfinance should be strengthened, while prudent competition between financial service providers should be promoted. Thirdly, financial infrastructure needs to continue to be a focus area, and in particular credit information and secured transactions. Finally, barriers to the growth of Islamic financial services should be removed so that they can better meet market demand.en
dc.identifierhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20110324100452
dc.identifier.doi10.1596/1813-9450-5610
dc.identifier.urihttps://hdl.handle.net/10986/3376
dc.languageEnglish
dc.relation.ispartofseriesPolicy Research working paper ; no. WPS 5610
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS INDICATORS
dc.subjectACCESS POINTS
dc.subjectACCESS TO BANK LOANS
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO LOANS
dc.subjectACCOUNTS RECEIVABLES
dc.subjectAGRICULTURAL BANK
dc.subjectAGRICULTURAL CREDIT
dc.subjectANTI-MONEY LAUNDERING
dc.subjectATM ACCESS
dc.subjectATM NETWORK
dc.subjectATM NETWORKS
dc.subjectBANK
dc.subjectBANK ACCOUNTS
dc.subjectBANK ASSETS
dc.subjectBANK BRANCH
dc.subjectBANK BRANCH NETWORK
dc.subjectBANK BRANCH NETWORKS
dc.subjectBANK BRANCHES
dc.subjectBANK DEPOSIT
dc.subjectBANK DEPOSITS
dc.subjectBANK LENDING
dc.subjectBANK LOAN
dc.subjectBANKER
dc.subjectBANKING SERVICE
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBANKS
dc.subjectBORROWER
dc.subjectBORROWERS
dc.subjectBORROWING
dc.subjectBUSINESS TRANSACTIONS
dc.subjectCAPITAL REQUIREMENT
dc.subjectCASH FLOW
dc.subjectCASH PAYMENT
dc.subjectCHECKING ACCOUNTS
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKING
dc.subjectCOMMERCIAL BANKS
dc.subjectCONSULTING SERVICES
dc.subjectCONSUMER EDUCATION
dc.subjectCONSUMER PROTECTION
dc.subjectCONSUMER PROTECTIONS
dc.subjectCONVENTIONAL BANKING
dc.subjectCOOPERATION
dc.subjectCOOPERATIVE
dc.subjectCOOPERATIVES
dc.subjectCOSTS TO BORROWERS
dc.subjectCREDIT BANK
dc.subjectCREDIT BUREAU
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT CARD
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT INFORMATION SYSTEM
dc.subjectCREDIT INFORMATION SYSTEMS
dc.subjectCREDIT REGISTRIES
dc.subjectCREDIT SCORING
dc.subjectCREDIT UNIONS
dc.subjectCREDITOR
dc.subjectCREDITWORTHY INDIVIDUALS
dc.subjectCURRENT ACCOUNTS
dc.subjectCUSTOMER BASE
dc.subjectDEBIT CARDS
dc.subjectDEBT
dc.subjectDEBTS
dc.subjectDECEPTIVE PRACTICES
dc.subjectDEPOSIT ACCOUNT
dc.subjectDEPOSIT ACCOUNTS
dc.subjectDEPOSIT PRODUCTS
dc.subjectDEPOSIT VOLUMES
dc.subjectDEPOSITS
dc.subjectDIRECT DEPOSITS
dc.subjectDISCLOSURE REQUIREMENTS
dc.subjectDIVERSIFICATION
dc.subjectDONOR FUNDING
dc.subjectELECTRONIC PAYMENT
dc.subjectELECTRONIC PAYMENTS
dc.subjectELIGIBILITY CRITERIA
dc.subjectEMPLOYEES
dc.subjectEMPLOYER
dc.subjectENFORCEMENT MECHANISMS
dc.subjectENTERPRISES
dc.subjectEQUIPMENT LOANS
dc.subjectEQUITY
dc.subjectFAMILY
dc.subjectFAMILY RESOURCES
dc.subjectFEE
dc.subjectFEES
dc.subjectFINANCE COMPANIES
dc.subjectFINANCE COMPANY
dc.subjectFINANCIAL ACCESS
dc.subjectFINANCIAL AGENCY
dc.subjectFINANCIAL DEPTH
dc.subjectFINANCIAL EXCLUSION
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INSTRUMENTS
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL LITERACY
dc.subjectFINANCIAL NEEDS
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL PROVIDERS
dc.subjectFINANCIAL REFORMS
dc.subjectFINANCIAL REGULATOR
dc.subjectFINANCIAL REGULATORS
dc.subjectFINANCIAL RESPONSIBILITY
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFINANCING
dc.subjectFIXED ASSETS
dc.subjectFOREIGN CURRENCY
dc.subjectFORMAL CREDIT
dc.subjectGENDER
dc.subjectGOVERNMENT INTERVENTION
dc.subjectGOVERNMENT POLICIES
dc.subjectGOVERNMENT POLICY
dc.subjectGROUP LENDING
dc.subjectGROUPS OF BORROWERS
dc.subjectGUARANTEE
dc.subjectHIGH INTEREST RATES
dc.subjectHIGH LEVELS OF ACCESS
dc.subjectHOUSEHOLD
dc.subjectHOUSEHOLDS
dc.subjectHOUSING LOANS
dc.subjectID
dc.subjectINDEBTEDNESS
dc.subjectINFORMATION ASYMMETRIES
dc.subjectINFORMATION ASYMMETRY
dc.subjectINFORMATION GAP
dc.subjectINFORMATION SHARING
dc.subjectINSTITUTIONAL CAPACITY
dc.subjectINSTITUTIONAL REFORM
dc.subjectINTEREST
dc.subjectINTEREST RATE
dc.subjectINTERESTS
dc.subjectINTERNATIONAL BANK
dc.subjectINVESTMENT
dc.subjectINVESTMENTS
dc.subjectLEGAL BARRIERS
dc.subjectLENDERS
dc.subjectLEVELS OF CREDIT
dc.subjectLOAN PAYMENT
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN PORTFOLIOS
dc.subjectLOAN PRODUCT
dc.subjectLOAN PRODUCTS
dc.subjectLOAN REPAYMENT
dc.subjectLOAN REPAYMENTS
dc.subjectLOAN SIZE
dc.subjectLOANS
dc.subjectMERCHANT
dc.subjectMERCHANTS
dc.subjectMFI
dc.subjectMFIS
dc.subjectMICRO ENTREPRENEURS
dc.subjectMICRO LENDING
dc.subjectMICRO LOANS
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROFINANCE LOANS
dc.subjectMONEY TRANSFER
dc.subjectMONEY TRANSFERS
dc.subjectMORAL HAZARD
dc.subjectMORTGAGE
dc.subjectMORTGAGE LOANS
dc.subjectMOVABLE COLLATERAL
dc.subjectNEW BUSINESS
dc.subjectNEW MARKET
dc.subjectOUTREACH
dc.subjectOUTSTANDING LOAN
dc.subjectOVERDRAFTS
dc.subjectPAYMENT SERVICE
dc.subjectPAYMENT SERVICES
dc.subjectPAYMENTS
dc.subjectPAYMENTS INFRASTRUCTURE
dc.subjectPAYMENTS SERVICES
dc.subjectPENETRATION RATES
dc.subjectPEOPLE
dc.subjectPOINT OF SALE
dc.subjectPOINT-OF-SALE
dc.subjectPOOR CLIENTS
dc.subjectPOSTAL BANK
dc.subjectPOSTAL BANKS
dc.subjectPOSTAL SAVINGS
dc.subjectPREJUDICE
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATE SECTOR BANKS
dc.subjectPROFITABILITY
dc.subjectPROPERTY
dc.subjectPROPERTY AS COLLATERAL
dc.subjectPUBLIC BANK
dc.subjectPUBLIC BANKS
dc.subjectREAL ESTATE
dc.subjectRECEIPT
dc.subjectREGULAR PAYMENTS
dc.subjectREMITTANCE
dc.subjectREMITTANCES
dc.subjectREPAYMENT
dc.subjectREVENUES
dc.subjectRISK MANAGEMENT
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS BANKS
dc.subjectSAVINGS PASSBOOKS
dc.subjectSAVINGS PRODUCTS
dc.subjectSECURITY
dc.subjectSMALL ENTERPRISE
dc.subjectSMALL ENTERPRISES
dc.subjectSMART CARDS
dc.subjectSOCIAL WELFARE
dc.subjectSOURCES OF FINANCE
dc.subjectSTART-UP
dc.subjectTARIFF
dc.subjectTAX INCENTIVE
dc.subjectTAX LIABILITIES
dc.subjectTECHNICAL ASSISTANCE
dc.subjectTRADE CREDIT
dc.subjectTRANSPARENCY OF INFORMATION
dc.subjectUNIVERSAL ACCESS
dc.subjectUSURY
dc.subjectUSURY CEILINGS
dc.subjectWELFARE
dc.subjectWOMEN
dc.subjectWOMEN BORROWERS
dc.subjectWORKING CAPITAL
dc.titleFinancial Inclusion in the Middle East and North Africa : Analysis and Roadmap Recommendationsen
dspace.entity.typePublication
okr.crossref.titleFinancial inclusion in the Middle East and North Africa: Analysis and roadmap recommendations
okr.date.disclosure2011-03-01
okr.date.doiregistration2025-04-10T11:30:07.236352Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.docurlhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20110324100452
okr.guid830211468051845285
okr.identifier.doi10.1596/1813-9450-5610
okr.identifier.externaldocumentum000158349_20110324100452
okr.identifier.internaldocumentum13958125
okr.identifier.reportWPS5610
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2011/03/24/000158349_20110324100452/Rendered/PDF/WPS5610.pdfen
okr.region.administrativeMiddle East and North Africa
okr.region.administrativeMiddle East and North Africa
okr.region.geographicalMiddle East and North Africa
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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