Bosnia and Herzegovina : Financial Inclusion Technical Note

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...

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Main Authors:	World Bank, International Monetary Fund
Format:	Report
Language:	English en_US
Published:	World Bank Group, Washington, DC 2015
Subjects:	ADVISORY SERVICES BUSINESS ACTIVITIES LINE OF CREDIT CAPITAL MARKETS DEPOSIT FINANCIAL SERVICES BORROWER CREDIT LIMITS CREDIT CARDS ECONOMIC GROWTH FACILITATION REPAYMENT CAPACITY DEPOSITS SMALL BANKS MONEY LAUNDERING FINANCING VILLAGE LOAN-TO-DEPOSIT RATIO LENDING POLICIES INTEREST FINANCIAL LITERACY GUARANTEES GOVERNMENT FUNDING INTEREST RATE PRIVATE CREDIT BANKING SYSTEM ENTREPRENEURS REPOSSESSION RECESSION DISCLOSURE REQUIREMENTS EXCLUSION REVENUES GUARANTORS FINANCIAL REGULATORS CAPITAL ADEQUACY LOAN CREDITWORTHINESS FEE CREDIT ANALYSIS BORROWERS SUBSIDY ASSET MANAGEMENT LABOR FORCE PARTICIPATION PAYMENTS SAVING E-BANKING CREDITORS COST OF CREDIT CREDITOR ENFORCEMENT MECHANISM MFIS CASH FLOWS ALTERNATIVE FINANCING PROVISION OF CREDIT ELECTRONIC BANKING ANTI-MONEY LAUNDERING WOMEN ENTREPRENEURS CREDITS ENFORCEMENT MECHANISMS SAVINGS MORTGAGES INDEBTEDNESS FINANCIAL PRODUCT GENDER GAP FINANCIAL INSTITUTION MORAL HAZARD COMMERCIAL BANK PARTIAL CREDIT CONSUMER CREDIT UNION CURRENT ACCOUNT LENDING DECISIONS INTEREST RATES PAYMENT FINANCIAL INSTITUTIONS DEBT MICRO LOANS LOAN APPLICATION CAPITAL REQUIREMENTS ELIGIBILITY CRITERIA FINANCIAL PRODUCTS LENDERS LACK OF COLLATERAL LOANS ENTERPRISES BANK CREDIT LOAN SIZES FINANCIAL SYSTEM REAL ESTATE CONSULTING SERVICES FINANCE BANKS GENDER GAP IN ACCESS CREDIT LINE UNEMPLOYMENT MICRO-CREDIT COLLATERAL REQUIREMENTS GRANT EQUITY FORMAL FINANCIAL INSTITUTION GENDER GAPS MOVABLE COLLATERAL CAPITAL PUBLIC FUND ACCESS TO FINANCE GENDER BANK CREDIT DEBT COLLECTION WORKING CAPITAL FINANCIAL EDUCATION REPAYMENT CREDIT INFORMATION ENTERPRISE PROPERTY LOAN PORTFOLIO GUARANTOR CREDIT REPORTING INSTITUTIONAL CAPACITY VOUCHERS BALANCE SHEET GUARANTEE SCHEME CREDIT GUARANTEE CREDIT BUREAU CREDIT POLICIES SECURITIES MICROCREDIT PROFITABILITY CREDIT RISK LOAN INSURANCE ACCESS TO CREDIT MICROFINANCE GOVERNMENT POLICIES FINANCIAL SECTOR ASSESSMENT BANK LOAN SECURITY LOAN OFFICERS BANK LOANS LOAN APPLICATIONS INVESTMENT CREDIT GUARANTEES FINANCIAL INTERMEDIATION FINANCIAL INTERMEDIARIES COMMERCIAL BANKS LOAN PORTFOLIOS HOUSEHOLDS ELECTRONIC PAYMENT COLLATERAL CREDIT- SCORING LOAN SIZE TARIFF CAPITAL REQUIREMENT BUSINESS PLANS ACCESS INDICATORS LOAN AMOUNTS LOAN CLIENTS INVESTMENTS BORROWING FINANCIAL SUPPORT RISK MANAGEMENT INFORMAL LENDERS TECHNICAL SUPPORT CREDIT REPORTS FINANCIAL KNOWLEDGE UNFAIR COMPETITION GUARANTEE AGENCY FORM OF COLLATERAL ACCOUNT USAGE FEES WOMEN OUTREACH REMITTANCES BANK BRANCHES POINT-OF-SALE INTEREST RATE RESTRICTIONS GUARANTEE CREDIT LINES CREDIT REGISTRY CONSUMER PROTECTION DEVELOPMENT BANK FINANCIAL SECTOR DEVELOPMENT ACCOUNT HOLDERS CREDIT MARKET EMPLOYEES
Online Access:	http://documents.worldbank.org/curated/en/2015/07/24815090/bosnia-herzegovina-financial-sector-assessment-program-financial-inclusion-technical-note http://hdl.handle.net/10986/22369

id	okr-10986-22369
recordtype	oai_dc
spelling	okr-10986-223692021-04-23T14:04:08Z Bosnia and Herzegovina : Financial Inclusion Technical Note World Bank International Monetary Fund ADVISORY SERVICES BUSINESS ACTIVITIES LINE OF CREDIT CAPITAL MARKETS DEPOSIT FINANCIAL SERVICES BORROWER CREDIT LIMITS CREDIT CARDS ECONOMIC GROWTH FACILITATION REPAYMENT CAPACITY DEPOSITS SMALL BANKS MONEY LAUNDERING FINANCING VILLAGE LOAN-TO-DEPOSIT RATIO LENDING POLICIES INTEREST FINANCIAL LITERACY GUARANTEES GOVERNMENT FUNDING INTEREST RATE PRIVATE CREDIT BANKING SYSTEM ENTREPRENEURS REPOSSESSION RECESSION DISCLOSURE REQUIREMENTS EXCLUSION REVENUES GUARANTORS FINANCIAL REGULATORS CAPITAL ADEQUACY LOAN CREDITWORTHINESS FEE CREDIT ANALYSIS BORROWERS SUBSIDY ASSET MANAGEMENT LABOR FORCE PARTICIPATION PAYMENTS SAVING E-BANKING CREDITORS COST OF CREDIT CREDITOR ENFORCEMENT MECHANISM MFIS CASH FLOWS ALTERNATIVE FINANCING PROVISION OF CREDIT ELECTRONIC BANKING ANTI-MONEY LAUNDERING WOMEN ENTREPRENEURS CREDITS ENFORCEMENT MECHANISMS SAVINGS MORTGAGES INDEBTEDNESS FINANCIAL PRODUCT GENDER GAP FINANCIAL INSTITUTION MORAL HAZARD COMMERCIAL BANK PARTIAL CREDIT CONSUMER CREDIT UNION CURRENT ACCOUNT LENDING DECISIONS INTEREST RATES PAYMENT FINANCIAL INSTITUTIONS DEBT MICRO LOANS LOAN APPLICATION CAPITAL REQUIREMENTS ELIGIBILITY CRITERIA FINANCIAL PRODUCTS LENDERS LACK OF COLLATERAL LOANS ENTERPRISES BANK CREDIT LOAN SIZES FINANCIAL SYSTEM REAL ESTATE CONSULTING SERVICES FINANCE BANKS GENDER GAP IN ACCESS CREDIT LINE UNEMPLOYMENT MICRO-CREDIT COLLATERAL REQUIREMENTS GRANT EQUITY FORMAL FINANCIAL INSTITUTION GENDER GAPS MOVABLE COLLATERAL CAPITAL PUBLIC FUND ACCESS TO FINANCE GENDER BANK CREDIT DEBT COLLECTION WORKING CAPITAL FINANCIAL EDUCATION REPAYMENT CREDIT INFORMATION ENTERPRISE PROPERTY LOAN PORTFOLIO GUARANTOR CREDIT REPORTING INSTITUTIONAL CAPACITY VOUCHERS BALANCE SHEET GUARANTEE SCHEME CREDIT GUARANTEE CREDIT BUREAU CREDIT POLICIES SECURITIES MICROCREDIT PROFITABILITY CREDIT RISK LOAN INSURANCE ACCESS TO CREDIT MICROFINANCE GOVERNMENT POLICIES FINANCIAL SECTOR ASSESSMENT BANK LOAN SECURITY LOAN OFFICERS BANK LOANS LOAN APPLICATIONS INVESTMENT CREDIT GUARANTEES FINANCIAL INTERMEDIATION FINANCIAL INTERMEDIARIES COMMERCIAL BANKS LOAN PORTFOLIOS HOUSEHOLDS ELECTRONIC PAYMENT COLLATERAL CREDIT- SCORING LOAN SIZE TARIFF CAPITAL REQUIREMENT BUSINESS PLANS ACCESS INDICATORS LOAN AMOUNTS LOAN CLIENTS INVESTMENTS BORROWING FINANCIAL SUPPORT RISK MANAGEMENT INFORMAL LENDERS TECHNICAL SUPPORT CREDIT REPORTS FINANCIAL KNOWLEDGE UNFAIR COMPETITION GUARANTEE AGENCY FORM OF COLLATERAL ACCOUNT USAGE FEES WOMEN OUTREACH REMITTANCES BANK BRANCHES POINT-OF-SALE INTEREST RATE RESTRICTIONS GUARANTEE CREDIT LINES CREDIT REGISTRY CONSUMER PROTECTION DEVELOPMENT BANK FINANCIAL SECTOR DEVELOPMENT ACCOUNT HOLDERS CREDIT MARKET EMPLOYEES 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. 2015-07-31T19:35:02Z 2015-07-31T19:35:02Z 2015-06 Report http://documents.worldbank.org/curated/en/2015/07/24815090/bosnia-herzegovina-financial-sector-assessment-program-financial-inclusion-technical-note http://hdl.handle.net/10986/22369 English en_US Financial Sector Assessment Program (FSAP); CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank Group, Washington, DC Economic & Sector Work Economic & Sector Work :: Financial Sector Assessment Program (FSAP) Europe and Central Asia Bosnia and Herzegovina
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	English en_US
topic	ADVISORY SERVICES BUSINESS ACTIVITIES LINE OF CREDIT CAPITAL MARKETS DEPOSIT FINANCIAL SERVICES BORROWER CREDIT LIMITS CREDIT CARDS ECONOMIC GROWTH FACILITATION REPAYMENT CAPACITY DEPOSITS SMALL BANKS MONEY LAUNDERING FINANCING VILLAGE LOAN-TO-DEPOSIT RATIO LENDING POLICIES INTEREST FINANCIAL LITERACY GUARANTEES GOVERNMENT FUNDING INTEREST RATE PRIVATE CREDIT BANKING SYSTEM ENTREPRENEURS REPOSSESSION RECESSION DISCLOSURE REQUIREMENTS EXCLUSION REVENUES GUARANTORS FINANCIAL REGULATORS CAPITAL ADEQUACY LOAN CREDITWORTHINESS FEE CREDIT ANALYSIS BORROWERS SUBSIDY ASSET MANAGEMENT LABOR FORCE PARTICIPATION PAYMENTS SAVING E-BANKING CREDITORS COST OF CREDIT CREDITOR ENFORCEMENT MECHANISM MFIS CASH FLOWS ALTERNATIVE FINANCING PROVISION OF CREDIT ELECTRONIC BANKING ANTI-MONEY LAUNDERING WOMEN ENTREPRENEURS CREDITS ENFORCEMENT MECHANISMS SAVINGS MORTGAGES INDEBTEDNESS FINANCIAL PRODUCT GENDER GAP FINANCIAL INSTITUTION MORAL HAZARD COMMERCIAL BANK PARTIAL CREDIT CONSUMER CREDIT UNION CURRENT ACCOUNT LENDING DECISIONS INTEREST RATES PAYMENT FINANCIAL INSTITUTIONS DEBT MICRO LOANS LOAN APPLICATION CAPITAL REQUIREMENTS ELIGIBILITY CRITERIA FINANCIAL PRODUCTS LENDERS LACK OF COLLATERAL LOANS ENTERPRISES BANK CREDIT LOAN SIZES FINANCIAL SYSTEM REAL ESTATE CONSULTING SERVICES FINANCE BANKS GENDER GAP IN ACCESS CREDIT LINE UNEMPLOYMENT MICRO-CREDIT COLLATERAL REQUIREMENTS GRANT EQUITY FORMAL FINANCIAL INSTITUTION GENDER GAPS MOVABLE COLLATERAL CAPITAL PUBLIC FUND ACCESS TO FINANCE GENDER BANK CREDIT DEBT COLLECTION WORKING CAPITAL FINANCIAL EDUCATION REPAYMENT CREDIT INFORMATION ENTERPRISE PROPERTY LOAN PORTFOLIO GUARANTOR CREDIT REPORTING INSTITUTIONAL CAPACITY VOUCHERS BALANCE SHEET GUARANTEE SCHEME CREDIT GUARANTEE CREDIT BUREAU CREDIT POLICIES SECURITIES MICROCREDIT PROFITABILITY CREDIT RISK LOAN INSURANCE ACCESS TO CREDIT MICROFINANCE GOVERNMENT POLICIES FINANCIAL SECTOR ASSESSMENT BANK LOAN SECURITY LOAN OFFICERS BANK LOANS LOAN APPLICATIONS INVESTMENT CREDIT GUARANTEES FINANCIAL INTERMEDIATION FINANCIAL INTERMEDIARIES COMMERCIAL BANKS LOAN PORTFOLIOS HOUSEHOLDS ELECTRONIC PAYMENT COLLATERAL CREDIT- SCORING LOAN SIZE TARIFF CAPITAL REQUIREMENT BUSINESS PLANS ACCESS INDICATORS LOAN AMOUNTS LOAN CLIENTS INVESTMENTS BORROWING FINANCIAL SUPPORT RISK MANAGEMENT INFORMAL LENDERS TECHNICAL SUPPORT CREDIT REPORTS FINANCIAL KNOWLEDGE UNFAIR COMPETITION GUARANTEE AGENCY FORM OF COLLATERAL ACCOUNT USAGE FEES WOMEN OUTREACH REMITTANCES BANK BRANCHES POINT-OF-SALE INTEREST RATE RESTRICTIONS GUARANTEE CREDIT LINES CREDIT REGISTRY CONSUMER PROTECTION DEVELOPMENT BANK FINANCIAL SECTOR DEVELOPMENT ACCOUNT HOLDERS CREDIT MARKET EMPLOYEES
spellingShingle	ADVISORY SERVICES BUSINESS ACTIVITIES LINE OF CREDIT CAPITAL MARKETS DEPOSIT FINANCIAL SERVICES BORROWER CREDIT LIMITS CREDIT CARDS ECONOMIC GROWTH FACILITATION REPAYMENT CAPACITY DEPOSITS SMALL BANKS MONEY LAUNDERING FINANCING VILLAGE LOAN-TO-DEPOSIT RATIO LENDING POLICIES INTEREST FINANCIAL LITERACY GUARANTEES GOVERNMENT FUNDING INTEREST RATE PRIVATE CREDIT BANKING SYSTEM ENTREPRENEURS REPOSSESSION RECESSION DISCLOSURE REQUIREMENTS EXCLUSION REVENUES GUARANTORS FINANCIAL REGULATORS CAPITAL ADEQUACY LOAN CREDITWORTHINESS FEE CREDIT ANALYSIS BORROWERS SUBSIDY ASSET MANAGEMENT LABOR FORCE PARTICIPATION PAYMENTS SAVING E-BANKING CREDITORS COST OF CREDIT CREDITOR ENFORCEMENT MECHANISM MFIS CASH FLOWS ALTERNATIVE FINANCING PROVISION OF CREDIT ELECTRONIC BANKING ANTI-MONEY LAUNDERING WOMEN ENTREPRENEURS CREDITS ENFORCEMENT MECHANISMS SAVINGS MORTGAGES INDEBTEDNESS FINANCIAL PRODUCT GENDER GAP FINANCIAL INSTITUTION MORAL HAZARD COMMERCIAL BANK PARTIAL CREDIT CONSUMER CREDIT UNION CURRENT ACCOUNT LENDING DECISIONS INTEREST RATES PAYMENT FINANCIAL INSTITUTIONS DEBT MICRO LOANS LOAN APPLICATION CAPITAL REQUIREMENTS ELIGIBILITY CRITERIA FINANCIAL PRODUCTS LENDERS LACK OF COLLATERAL LOANS ENTERPRISES BANK CREDIT LOAN SIZES FINANCIAL SYSTEM REAL ESTATE CONSULTING SERVICES FINANCE BANKS GENDER GAP IN ACCESS CREDIT LINE UNEMPLOYMENT MICRO-CREDIT COLLATERAL REQUIREMENTS GRANT EQUITY FORMAL FINANCIAL INSTITUTION GENDER GAPS MOVABLE COLLATERAL CAPITAL PUBLIC FUND ACCESS TO FINANCE GENDER BANK CREDIT DEBT COLLECTION WORKING CAPITAL FINANCIAL EDUCATION REPAYMENT CREDIT INFORMATION ENTERPRISE PROPERTY LOAN PORTFOLIO GUARANTOR CREDIT REPORTING INSTITUTIONAL CAPACITY VOUCHERS BALANCE SHEET GUARANTEE SCHEME CREDIT GUARANTEE CREDIT BUREAU CREDIT POLICIES SECURITIES MICROCREDIT PROFITABILITY CREDIT RISK LOAN INSURANCE ACCESS TO CREDIT MICROFINANCE GOVERNMENT POLICIES FINANCIAL SECTOR ASSESSMENT BANK LOAN SECURITY LOAN OFFICERS BANK LOANS LOAN APPLICATIONS INVESTMENT CREDIT GUARANTEES FINANCIAL INTERMEDIATION FINANCIAL INTERMEDIARIES COMMERCIAL BANKS LOAN PORTFOLIOS HOUSEHOLDS ELECTRONIC PAYMENT COLLATERAL CREDIT- SCORING LOAN SIZE TARIFF CAPITAL REQUIREMENT BUSINESS PLANS ACCESS INDICATORS LOAN AMOUNTS LOAN CLIENTS INVESTMENTS BORROWING FINANCIAL SUPPORT RISK MANAGEMENT INFORMAL LENDERS TECHNICAL SUPPORT CREDIT REPORTS FINANCIAL KNOWLEDGE UNFAIR COMPETITION GUARANTEE AGENCY FORM OF COLLATERAL ACCOUNT USAGE FEES WOMEN OUTREACH REMITTANCES BANK BRANCHES POINT-OF-SALE INTEREST RATE RESTRICTIONS GUARANTEE CREDIT LINES CREDIT REGISTRY CONSUMER PROTECTION DEVELOPMENT BANK FINANCIAL SECTOR DEVELOPMENT ACCOUNT HOLDERS CREDIT MARKET EMPLOYEES World Bank International Monetary Fund Bosnia and Herzegovina : Financial Inclusion Technical Note
geographic_facet	Europe and Central Asia Bosnia and Herzegovina
relation	Financial Sector Assessment Program (FSAP);
description	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.
format	Report
author	World Bank International Monetary Fund
author_facet	World Bank International Monetary Fund
author_sort	World Bank
title	Bosnia and Herzegovina : Financial Inclusion Technical Note
title_short	Bosnia and Herzegovina : Financial Inclusion Technical Note
title_full	Bosnia and Herzegovina : Financial Inclusion Technical Note
title_fullStr	Bosnia and Herzegovina : Financial Inclusion Technical Note
title_full_unstemmed	Bosnia and Herzegovina : Financial Inclusion Technical Note
title_sort	bosnia and herzegovina : financial inclusion technical note
publisher	World Bank Group, Washington, DC
publishDate	2015
url	http://documents.worldbank.org/curated/en/2015/07/24815090/bosnia-herzegovina-financial-sector-assessment-program-financial-inclusion-technical-note http://hdl.handle.net/10986/22369
_version_	1764450959450177536

Bosnia and Herzegovina : Financial Inclusion Technical Note

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