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

The 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 inc...

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Bibliographic Details
Main Author:	Pearce, Douglas
Format:	Policy Research Working Paper
Language:	English
Published:	2012
Subjects:	ACCESS INDICATORS ACCESS POINTS ACCESS TO BANK LOANS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO LOANS ACCOUNTS RECEIVABLES AGRICULTURAL BANK AGRICULTURAL CREDIT ANTI-MONEY LAUNDERING ATM ACCESS ATM NETWORK ATM NETWORKS BANK BANK ACCOUNTS BANK ASSETS BANK BRANCH BANK BRANCH NETWORK BANK BRANCH NETWORKS BANK BRANCHES BANK DEPOSIT BANK DEPOSITS BANK LENDING BANK LOAN BANKER BANKING SERVICE BANKING SERVICES BANKING SYSTEM BANKS BORROWER BORROWERS BORROWING BUSINESS TRANSACTIONS CAPITAL REQUIREMENT CASH FLOW CASH PAYMENT CHECKING ACCOUNTS COLLATERAL COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS CONSULTING SERVICES CONSUMER EDUCATION CONSUMER PROTECTION CONSUMER PROTECTIONS CONVENTIONAL BANKING COOPERATION COOPERATIVE COOPERATIVES COSTS TO BORROWERS CREDIT BANK CREDIT BUREAU CREDIT BUREAUS CREDIT CARD CREDIT INFORMATION CREDIT INFORMATION SYSTEM CREDIT INFORMATION SYSTEMS CREDIT REGISTRIES CREDIT SCORING CREDIT UNIONS CREDITOR CREDITWORTHY INDIVIDUALS CURRENT ACCOUNTS CUSTOMER BASE DEBIT CARDS DEBT DEBTS DECEPTIVE PRACTICES DEPOSIT ACCOUNT DEPOSIT ACCOUNTS DEPOSIT PRODUCTS DEPOSIT VOLUMES DEPOSITS DIRECT DEPOSITS DISCLOSURE REQUIREMENTS DIVERSIFICATION DONOR FUNDING ELECTRONIC PAYMENT ELECTRONIC PAYMENTS ELIGIBILITY CRITERIA EMPLOYEES EMPLOYER ENFORCEMENT MECHANISMS ENTERPRISES EQUIPMENT LOANS EQUITY FAMILY FAMILY RESOURCES FEE FEES FINANCE COMPANIES FINANCE COMPANY FINANCIAL ACCESS FINANCIAL AGENCY FINANCIAL DEPTH FINANCIAL EXCLUSION FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL INSTRUMENTS FINANCIAL INTERMEDIATION FINANCIAL LITERACY FINANCIAL NEEDS FINANCIAL PRODUCTS FINANCIAL PROVIDERS FINANCIAL REFORMS FINANCIAL REGULATOR FINANCIAL REGULATORS FINANCIAL RESPONSIBILITY FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FINANCIAL SYSTEMS FINANCING FIXED ASSETS FOREIGN CURRENCY FORMAL CREDIT GENDER GOVERNMENT INTERVENTION GOVERNMENT POLICIES GOVERNMENT POLICY GROUP LENDING GROUPS OF BORROWERS GUARANTEE HIGH INTEREST RATES HIGH LEVELS OF ACCESS HOUSEHOLD HOUSEHOLDS HOUSING LOANS ID INDEBTEDNESS INFORMATION ASYMMETRIES INFORMATION ASYMMETRY INFORMATION GAP INFORMATION SHARING INSTITUTIONAL CAPACITY INSTITUTIONAL REFORM INTEREST INTEREST RATE INTERESTS INTERNATIONAL BANK INVESTMENT INVESTMENTS LEGAL BARRIERS LENDERS LEVELS OF CREDIT LOAN PAYMENT LOAN PORTFOLIO LOAN PORTFOLIOS LOAN PRODUCT LOAN PRODUCTS LOAN REPAYMENT LOAN REPAYMENTS LOAN SIZE LOANS MERCHANT MERCHANTS MFI MFIS MICRO ENTREPRENEURS MICRO LENDING MICRO LOANS MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MICROFINANCE LOANS MONEY TRANSFER MONEY TRANSFERS MORAL HAZARD MORTGAGE MORTGAGE LOANS MOVABLE COLLATERAL NEW BUSINESS NEW MARKET OUTREACH OUTSTANDING LOAN OVERDRAFTS PAYMENT SERVICE PAYMENT SERVICES PAYMENTS PAYMENTS INFRASTRUCTURE PAYMENTS SERVICES PENETRATION RATES PEOPLE POINT OF SALE POINT-OF-SALE POOR CLIENTS POSTAL BANK POSTAL BANKS POSTAL SAVINGS PREJUDICE PRIVATE CREDIT PRIVATE SECTOR BANKS PROFITABILITY PROPERTY PROPERTY AS COLLATERAL PUBLIC BANK PUBLIC BANKS REAL ESTATE RECEIPT REGULAR PAYMENTS REMITTANCE REMITTANCES REPAYMENT REVENUES RISK MANAGEMENT SAVINGS SAVINGS ACCOUNTS SAVINGS BANKS SAVINGS PASSBOOKS SAVINGS PRODUCTS SECURITY SMALL ENTERPRISE SMALL ENTERPRISES SMART CARDS SOCIAL WELFARE SOURCES OF FINANCE START-UP TARIFF TAX INCENTIVE TAX LIABILITIES TECHNICAL ASSISTANCE TRADE CREDIT TRANSPARENCY OF INFORMATION UNIVERSAL ACCESS USURY USURY CEILINGS WELFARE WOMEN WOMEN BORROWERS 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_20110324100452 http://hdl.handle.net/10986/3376