Financing Small and Medium Enterprises in the Republic of South Africa

Numerous studies worldwide have highlighted the important contribution made by small and medium-sized enterprises (SMEs) to employment, income and economic growth. In a study of 76 developed and developing economies, Ayyagari and others (2007) foun...

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Bibliographic Details
Main Authors:	Fuchs, Michael, Iacovone, Leonardo, Jaeggi, Thomas, Napier, Mark, Pearson, Roland, Pellegrini, Giulia, Villegas Sanchez, Carolina
Format:	Other Financial Sector Study
Language:	English en_US
Published:	World Bank, Washington, DC 2013
Subjects:	ACCESS TO BANK ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCOUNT MANAGEMENT ADVANCED ECONOMY APPLICATION PROCEDURES APPROVAL PROCESS ASSET CLASS ASSET CLASSES BALANCE SHEET BALANCE SHEETS BANK ACCOUNT BANK CREDIT BANK FINANCING BANK PROFITS BANK RATES BANK SERVICES BANKING INDUSTRY BANKING MARKET BANKING SECTOR BORROWER BORROWING BUSINESS ACTIVITY BUSINESS DEVELOPMENT BUSINESS DEVELOPMENT SERVICES BUSINESS ENTERPRISES BUSINESS EXPERIENCE BUSINESS OWNERS BUSINESS PLANS BUSINESS TRAINING CAPITAL LOANS CASH FLOW CHECKING ACCOUNTS COLLATERAL COLLATERAL REQUIREMENTS COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS CONSUMER LENDING CREDIT ACCESS CREDIT APPLICATION CREDIT APPLICATIONS CREDIT BUREAUS CREDIT CONSTRAINTS CREDIT DECISIONS CREDIT FACILITIES CREDIT GUARANTEE CREDIT GUARANTEES CREDIT INFORMATION CREDIT MANAGEMENT CREDIT PRODUCTS CREDIT QUALITY CREDIT RISK CREDIT SCHEME CREDIT SCORING DEBT DEPOSIT DEPOSITS DEVELOPING COUNTRIES DEVELOPMENT CORPORATION DEVELOPMENT FINANCE DEVELOPMENT FINANCE INSTITUTIONS DIRECT CREDIT DIVERSIFICATION ECONOMIC CRISIS ECONOMIC DEVELOPMENT ECONOMIC EMPOWERMENT ECONOMIC GROWTH ECONOMIES OF SCALE EMPOWERMENT ENDOWMENTS ENTERPRISE CREDIT ENTERPRISE FINANCE ENTREPRENEURS EQUITY CAPITAL EQUITY INVESTMENTS EXTERNAL FINANCING FACTORING FINANCIAL ACCESS FINANCIAL CRISIS FINANCIAL EDUCATION FINANCIAL HISTORY FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL INSTRUMENTS FINANCIAL LITERACY FINANCIAL PRODUCT FINANCIAL PRODUCTS FINANCIAL SERVICE FINANCIAL SKILLS FINANCIAL STABILITY FINANCIAL STATEMENTS FINANCING OF INVESTMENT FIRMS FIXED ASSETS FIXED COSTS FORM OF COLLATERAL FORMAL FINANCIAL SECTOR FUNDING SOURCE GENDER GOVERNMENT INVOLVEMENT GOVERNMENT POLICIES GOVERNMENT POLICY GOVERNMENT SPENDING GOVERNMENT SUPPORT GUARANTEE SCHEME GUARANTEE SCHEMES HIGH INTEREST RATES HOME LOANS HOUSEHOLDS INCOME STATEMENTS INCOME STREAM INFLATION INFORMAL ECONOMY INSTRUMENT INSURANCE INSURANCE PRODUCTS INTEREST INCOME INTEREST RATE INTEREST RATES INTERNAL FUNDS INTERNATIONAL BANK INTERNATIONAL FINANCE INVESTMENT CLIMATE INVESTMENT PROJECTS JUDICIAL PROCESSES LABOR MARKET LACK OF ACCESS LEGAL FRAMEWORK LENDER LENDERS LINE OF CREDIT LIQUIDITY LOAN LOAN APPLICATION LOAN APPLICATION PROCEDURES LOAN APPLICATIONS LOAN APPROVAL LOAN APPROVAL RATES LOAN APPROVALS LOAN GUARANTEE LOAN MATURITY LOAN OFFICERS LOAN REPAYMENT LOAN SIZE LOAN VOLUMES LOW INTEREST RATES MACROECONOMIC CONDITIONS MACROECONOMIC INSTABILITY MACROECONOMIC RISK MACROECONOMIC RISKS MANDATES MARKET DATA MARKET PARTICIPANTS MARKET SHARE MARKET SIZE MEDIUM ENTERPRISES MICROENTERPRISES MORTGAGE MORTGAGE LENDING MORTGAGES NATIONAL CREDIT NATIONAL TREASURY NEW COMPANIES NONBANK FINANCIAL INSTITUTIONS NONPERFORMING LOANS NPL OUTREACH OUTSTANDING LOANS OVERDRAFTS PARTIAL CREDIT PERC PERSONAL BANKING POLITICAL ECONOMY PORTFOLIO PRIME RATE PRIVATE SECTOR COMMERCIAL BANKS PROFITABILITY PROFITABLE BUSINESS PROPRIETORSHIP PROPRIETORSHIPS PROVISION OF FINANCE PUBLIC POLICY REPAYMENT HISTORY RESERVE RESERVE BANK RETAIL BANKING RETURN RETURN ON ASSETS RETURNS RISK EVALUATION RISK MANAGEMENT RISK MANAGEMENT SYSTEMS SAVINGS SHARE OF INVESTMENT SHORT-TERM FINANCE SMALL BANKS SMALL BUSINESS SMALL BUSINESS BANKING SMALL BUSINESS OWNERS SMALL BUSINESSES SMALL ENTERPRISE SMALL ENTERPRISES SME SME FINANCE SME FINANCING START-UPS SUBSIDIARY SUPPLIERS SUPPLY CHAIN SUPPLY OF FINANCE TAX TRADE FINANCE TRANSACTION TURNOVER UNEMPLOYMENT UNINCORPORATED BUSINESS UNINCORPORATED BUSINESSES UNION UNIVERSAL BANK UNIVERSAL BANKS WORKING CAPITAL
Online Access:	http://documents.worldbank.org/curated/en/2011/01/16465228/financing-small-medium-enterprises-republic-south-africa http://hdl.handle.net/10986/12687