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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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Bibliographic Details
Main Authors: World Bank, International Monetary Fund
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
Description
Summary: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.

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