Earne, JulieGutin, JohnJagun, Jumoke2012-08-132012-08-132008-04https://hdl.handle.net/10986/10617While there is growing support for microfinance globally, the unmet demand remains enormous, particularly in Africa, and especially in post-conflict and frontier countries. In Liberia, Sierra Leone, the Central African Republic and the Democratic Republic of Congo (DRC), less than 1 percent of the population has access to a bank account. Yet as these countries continue to stabilize, the demand for secure financial services is exploding. The post-conflict nature of these countries magnifies the need for microfinance services, as micro and small enterprises (MSEs) operating at a subsistence level are often the only surviving businesses after a conflict.CC BY-NC-ND 3.0 IGOACCESS TO CREDITACCESS TO FINANCEACCESS TO FINANCIAL SERVICESACCESS TO SAVINGSADVISORY SERVICESAPPLICATION PROCESSBANK ACCOUNTBANK BRANCHBANK BRANCH NETWORKSBANKSBEST PRACTICEBEST PRACTICESBRANCH NETWORKBRANCHESCAPACITY CONSTRAINTSCENTRAL BANKCOMMERCIAL BANKCORPORATE GOVERNANCECREDIT CULTUREDEBTDEPOSITDEPOSIT ACCOUNTSDEPOSITSEDUCATION SYSTEMSENVIRONMENTAL STANDARDSFINANCIAL ACCESSFINANCIAL SERVICESFORMAL BANKFORMAL EDUCATIONHOLDINGHOLDING COMPANIESHOLDING COMPANYHOUSEHOLDSINDUSTRIAL COUNTRIESINTERNAL CONTROLSLOANLOAN OFFICERLOAN PORTFOLIOLOCAL CAPACITYLOCAL MARKETLOW-INCOMELOW-INCOME COUNTRIESMFIMFISMICROFINANCEMICROFINANCE INSTITUTIONSMICROFINANCE METHODOLOGIESMICROFINANCE PROGRAMMICROFINANCE SECTORMIDDLE-INCOME COUNTRIESMONETARY FUNDOUTPUTPHYSICAL ACCESSPRIVATE SECTOR DEVELOPMENTREGULATORY BODIESSAVINGS ACCOUNTSSAVINGS PRODUCTSSHAREHOLDERSMALL ENTERPRISESSPONSORSSTAKEHOLDERSSTART-UPSUB-SAHARAN AFRICASUSTAINABLE MICROFINANCETECHNICAL ASSISTANCETECHNICAL PARTNERSTECHNICAL SKILLSURBAN AREASYOUNG ADULTSWorld Bank10.1596/10617