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G21

Banks; Depository Institutions; Micro Finance Institutions; Mortgages

Contagion without deposit insurance: The South African small bank crisis of 2002/3

Roy Havemann
Following the failure of Saambou bank in February 2002, another seven South African banks failed within a month, including the fifth-largest, and a further five within a year. In total, twenty-two small and mid-sized banks deregistered over two years: half the total number of banks, and nearly 10 per...
Jun 2020
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Does the Pursuit of Outreach Consistently Stifle the Financial Performance of Microfinance Institutions in sub-Saharan Africa?

Sydney Chikalipah
We study the relationship between outreach and the financial performance of 479 microfinance institutions (MFIs) in 37 countries of sub-Saharan African (SSA), covering the period 1998 to 2012. This study builds on earlier literature on the relationship between outreach and the financial performance...
Mar 2020
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Decomposition of the Technical Efficiency: Pure Technical and Scale Efficiency of the Financial System

Sanderson Abel and Alex Bara
The study investigated the technical efficiency of the commercial banks in Zimbabwe during the period 2009-2015. The study entailed the decomposition of the technical efficiency into pure technical and scale efficiency to understand the sources of the technical inefficiency of the commercial banks...
Jun 2017
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Can bank capital adequacy changes amplify the business cycle in South Africa?

Foluso Akinsola and Sylvanus Ikhide
Financial globalisation and financial innovation have increased most banks’ appetite for risk and therefore engendered financial fragility in the financial system. This paper examines the relationship between regulatory bank capital adequacy and the business cycle in South Africa using Vector error...
Feb 2017
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An Evaluation of the Cost and Revenue Efficiency of the Banking Sector in Zimbabwe

Sanderson Abel and Pierre Le Roux
The study was meant to evaluate the cost and revenue efficiency of the Zimbabwean banking sector during the period 2009-2014. The study employed the Data Envelopment Analysis and the Tobit Regression methods. The estimation of cost and revenue efficiency shows that revenue and cost efficiency...
Aug 2016
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Why local context matters: de jure and de facto property rights in colonial South Africa

Christie Swanepoel and Johan Fourie
For economic transactions, including debt transactions, to occur in a market system, property rights are essential. The literature has focussed on finding empirical proof of the effect of property right regimes, noting differences between de jure and de facto property rights. Yet most of these...
Jul 2016
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