1. Bosnia and Herzegovina : Financial Inclusion Technical Note
- Author
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World Bank and International Monetary Fund
- Subjects
GENDER GAP ,MICRO-CREDIT ,FINANCIAL SECTOR DEVELOPMENT ,INVESTMENT ,PAYMENT ,BANKING SYSTEM ,ECONOMIC GROWTH ,CREDIT REPORTS ,DEPOSIT ,ENFORCEMENT MECHANISM ,CREDIT GUARANTEE ,CREDIT CARDS ,FINANCING ,ELECTRONIC PAYMENT ,CREDITOR ,INFORMAL LENDERS ,FINANCIAL INTERMEDIATION ,FINANCIAL SECTOR ASSESSMENT ,UNEMPLOYMENT ,INVESTMENTS ,RECESSION ,PARTIAL CREDIT ,CREDIT ANALYSIS ,FINANCIAL EDUCATION ,BANK LOAN ,GUARANTEE AGENCY ,WOMEN ,WOMEN ENTREPRENEURS ,CAPITAL REQUIREMENTS ,LOAN APPLICATIONS ,FINANCIAL INTERMEDIARIES ,ANTI-MONEY LAUNDERING ,COLLATERAL ,TECHNICAL SUPPORT ,REPOSSESSION ,GUARANTEE ,POINT-OF-SALE ,BANK ,MORAL HAZARD ,ENFORCEMENT MECHANISMS ,LOANS ,CREDIT LINES ,CONSUMER PROTECTION ,E-BANKING ,FINANCIAL KNOWLEDGE ,DISCLOSURE REQUIREMENTS ,RISK MANAGEMENT ,LACK OF COLLATERAL ,TARIFF ,GUARANTEE SCHEME ,CONSULTING SERVICES ,BORROWER ,GUARANTORS ,BORROWERS ,LOAN APPLICATION ,GENDER GAPS ,DEPOSITS ,INSTITUTIONAL CAPACITY ,CREDITORS ,GUARANTOR ,FINANCE ,LENDING DECISIONS ,FORMAL FINANCIAL INSTITUTION ,CREDIT REGISTRY ,LINE OF CREDIT ,LOAN PORTFOLIOS ,INDEBTEDNESS ,ENTERPRISES ,CREDIT BUREAU ,ASSET MANAGEMENT ,BALANCE SHEET ,CREDIT- SCORING ,CREDIT LIMITS ,INTEREST RATES ,CREDIT POLICIES ,MORTGAGES ,FACILITATION ,DEBT ,CREDIT RISK ,GUARANTEES ,CREDIT LINE ,GRANT ,LOAN SIZE ,PROVISION OF CREDIT ,WORKING CAPITAL ,FINANCIAL REGULATORS ,SAVING ,PAYMENTS ,GOVERNMENT POLICIES ,CAPITAL REQUIREMENT ,LOAN AMOUNTS ,GENDER GAP IN ACCESS ,CAPITAL ADEQUACY ,FINANCIAL SERVICES ,MFIS ,PROPERTY ,CREDITS ,UNFAIR COMPETITION ,ACCOUNT HOLDERS ,PROFITABILITY ,FINANCIAL PRODUCTS ,FINANCIAL LITERACY ,ACCESS TO FINANCE ,LOAN PORTFOLIO ,FORM OF COLLATERAL ,FEES ,LABOR FORCE PARTICIPATION ,ENTREPRENEURS ,MICROCREDIT ,COLLATERAL REQUIREMENTS ,VOUCHERS ,LOAN INSURANCE ,ACCOUNT USAGE ,FINANCIAL PRODUCT ,EXCLUSION ,SMALL BANKS ,CAPITAL ,GOVERNMENT FUNDING ,LENDERS ,BUSINESS PLANS ,BUSINESS ACTIVITIES ,PUBLIC FUND ,COMMERCIAL BANK ,SECURITY ,REMITTANCES ,ENTERPRISE ,CREDIT INFORMATION ,CAPITAL MARKETS ,CREDITWORTHINESS ,VILLAGE ,FINANCIAL SYSTEM ,FINANCIAL INSTITUTIONS ,HOUSEHOLDS ,EMPLOYEES ,CREDIT REPORTING ,ACCESS INDICATORS ,EQUITY ,PRIVATE CREDIT ,ELECTRONIC BANKING ,CURRENT ACCOUNT ,BANKS ,BANK LOANS ,CREDIT GUARANTEES ,LOAN SIZES ,FINANCIAL INSTITUTION ,UNION ,BORROWING ,BANK BRANCHES ,MICRO LOANS ,LENDING POLICIES ,LOAN ,CREDIT ,ACCESS TO CREDIT ,BANK CREDIT ,CONSUMER CREDIT ,SECURITIES ,COMMERCIAL BANKS ,COST OF CREDIT ,MICROFINANCE ,FEE ,REPAYMENT ,REAL ESTATE ,LOAN CLIENTS ,DEVELOPMENT BANK ,INTEREST ,DEBT COLLECTION ,ALTERNATIVE FINANCING ,ELIGIBILITY CRITERIA ,LOAN-TO-DEPOSIT RATIO ,MOVABLE COLLATERAL ,SUBSIDY ,CASH FLOWS ,REPAYMENT CAPACITY ,FINANCIAL SUPPORT ,SAVINGS ,REVENUES ,INTEREST RATE RESTRICTIONS ,MONEY LAUNDERING ,OUTREACH ,INTEREST RATE ,CREDIT MARKET ,GENDER ,LOAN OFFICERS ,ADVISORY SERVICES - Abstract
This Technical Note was prepared in the context of a joint World Bank-IMF Financial Sector Assessment Program mission in Bosnia and Herzegovina during October-November 2014. Financial inclusion in Bosnia and Herzegovina performs relatively well compared to peers, but gaps remain for selected market segments. Financial sector development and access to finance for firms is constrained by weak domestic demand, high collateral requirements and inadequate credit enforcement mechanisms. more...
- Published
- 2015