The Status of Bank Lending to SMEs in the Middle East and North Africa Region : Results of a Joint Survey of the Union of Arab Bank and the World Bank

Among the principal constraints for SME lending is the lack of SME transparency, poor credit information from credit registries and bureaus, and weak creditor rights. If constraints can be addressed, lending can potentially reach bank targets of 21...

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Bibliographic Details
Main Authors:	Rocha, Roberto, Farazi, Subika, Khouri, Rania, Pearce, Douglas
Format:	Policy Research Working Paper
Language:	English
Published:	2012
Subjects:	ACCESS TO CREDIT ACCESS TO EXTERNAL FINANCE ACCESS TO FINANCE ASSET FINANCING BANK COMPETITION BANK FINANCING BANK LENDING BANK LOAN BANK LOANS BANK POLICY BANKING ASSOCIATIONS BANKING INDUSTRY BANKING MARKETS BANKING SERVICES BANKING SYSTEM BANKING SYSTEMS BANKRUPTCY BANKRUPTCY LAWS BANKS BORROWING BRANCH NETWORK BRANCH NETWORKS BUSINESS CENTER CASH MANAGEMENT COLLATERAL COLLATERAL REGIME COLLATERAL REGIMES COLLATERAL REQUIREMENTS COMMODITY PRICE COMPETITION POLICY CONTRACT ENFORCEMENT CORPORATE MARKET COST OF CREDIT COUNTRY COMPARISONS CREDIT BUREAU CREDIT BUREAUS CREDIT GUARANTEE CREDIT GUARANTEES CREDIT INFORMATION CREDIT INFORMATION SYSTEMS CREDIT REGISTRIES CREDIT REGISTRY CREDIT REPORTING CREDIT REPORTING SYSTEMS CREDIT RISK CREDIT SCORES CREDIT SCORING CREDIT SUBSIDIES CREDITOR CREDITOR RIGHTS CREDITORS CURRENCY CURRENT ACCOUNTS DEBT DEFAULT PROBABILITY DEPENDENT DEPOSIT DEPOSITS DEVELOPING COUNTRIES DOMESTIC BANKS DUMMY VARIABLE ECONOMIC ACTIVITY ECONOMICS EMPLOYMENT ENABLING ENVIRONMENT ENABLING ENVIRONMENTS ENTRY REQUIREMENTS EXCHANGE RATES EXPENDITURES FACTORING FEMALE CLIENTS FINANCE CONSTRAINTS FINANCE CORPORATION FINANCIAL DEVELOPMENT FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCING OBSTACLES FORECLOSURE FOREIGN BANKS GENDER GOOD CREDIT GOVERNMENT INTERVENTION GOVERNMENT OWNERSHIP GUARANTEE SCHEME GUARANTEE SCHEMES HOUSING HOUSING LOANS INDIVIDUAL BANK INDIVIDUAL BANKS INFORMATION ASYMMETRIES INSOLVENCY INSOLVENCY REGIMES INSTRUMENT INSURANCE INTEREST RATE INTEREST RATE CEILINGS INTEREST RATE CONTROLS INTEREST RATES INTEREST SUBSIDIES INTERNATIONAL BANK INTERNATIONAL BANKS INTERNATIONAL FINANCE INVESTMENT FINANCE INVESTMENT LOANS INVESTMENT PURPOSES ISLAMIC FINANCE LACK OF ACCESS LARGE BANKS LARGE FIRMS LEASED ASSETS LEGAL CONSTRAINTS LEGAL FRAMEWORK LEGAL RIGHTS LENDERS LENDING DECISION LENDING DECISIONS LENDING TECHNIQUES LINE OF CREDIT LIQUIDATION LOAN LOAN DECISION LOAN OFFICERS LOAN PERFORMANCE LOAN PORTFOLIO LOAN PORTFOLIOS LONG-TERM LENDING MACROECONOMIC INSTABILITY MANDATES MARKET CONDITIONS MARKET SHARE MATURITY MOVABLE ASSETS MOVABLE COLLATERAL NOTARIES NUMBER OF BANKS OUTREACH OUTSTANDING CREDIT OWNERSHIP RIGHTS OWNERSHIP STRUCTURES PARTIAL CREDIT POOR CREDIT PRIVATE BANK PRIVATE BANKS PRIVATE CREDIT PRIVATE CREDIT BUREAU PRIVATE CREDIT BUREAUS PROFITABILITY PRUDENTIAL REGULATIONS PUBLIC BANKS PUBLIC CREDIT PUBLIC REGISTRIES PUBLIC REGISTRY RATING SYSTEMS REAL ESTATE RECOVERY RATE REGIONAL BANKS REGISTRY OFFICIALS RELATIONSHIP BANKING RELATIONSHIP LENDING REORGANIZATION REPAYMENT REPOSSESSION RESERVE RESERVE REQUIREMENTS RESERVES RETURNS RISK MANAGEMENT RISK MANAGEMENT SYSTEMS SECONDARY MARKETS SHARE OF INVESTMENT SMALL BANKS SMALL BUSINESS SMALL ENTERPRISE START-UP STATE BANKS STATISTICAL ANALYSIS STRENGTH OF CREDITOR RIGHTS SUBSIDIARIES SUPPLY CHAIN SUPPLY CHAINS TAX TAX TREATMENT TRADE FINANCE TRANSPARENCY TURNOVER UNION WEAK ASSET WEAK COLLATERAL WHOLESALE BANKS WORKING CAPITAL
Online Access:	http://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20110324082812 http://hdl.handle.net/10986/3373