Analyzing Private Sector Credit Growth in Ghana

2014 ◽  
Author(s):  
Francis White Loloh ◽  
Benjamin Amoah
Keyword(s):  
Private Sector ◽  
Credit Growth

CREDIT CYCLES IN COUNTRIES IN THE MENA REGION — DO THEY EXIST? DO THEY MATTER?

2020 ◽  
Vol 20 (01) ◽  
pp. 2050001
Author(s):  
LEILA AGHABARARI ◽  
AHMED ROSTOM
Keyword(s):  
Spectral Analysis ◽  
Middle East ◽  
Private Sector ◽  
North Africa ◽  
Developed Countries ◽  
Gdp Growth ◽  
Medium Term ◽  
Mena Region ◽  
Credit Growth ◽  
Credit Cycles

This paper estimates the private sector credit cycles for most of the oil-importing and oil-exporting countries in the Middle East and North Africa. Credit cycles are the medium-term component in spectral analysis of real private sector credit growth. Besides, the paper estimates the credit cycles for several developed countries. The analysis finds substantial differences and rare similarities between credit cycles in the Middle East and North Africa and advanced countries. During 1964–2017, credit cycles in the Middle East and North Africa do not appear to be associated with GDP growth. They only explained a fraction of the growth in private sector credit, and they do not seem to be synchronized across oil-exporters and oil-importers.

scholarly journals Cabo Verde

2016 ◽  
Vol 2016 (367) ◽  
Author(s):  
Keyword(s):  
Economic Development ◽  
Private Sector ◽  
Credit Market ◽  
Financial Sector ◽  
Business Environment ◽  
Banking Supervision ◽  
Credit Growth ◽  
Demand And Supply ◽  
Cabo Verde ◽  
Credit Demand

This Selected Issues paper examines whether the recent slowdown in private sector credit growth in Cabo Verde is demand or supply driven. Although in the late 2000s, demand factors have been the main drivers in Cabo Verde’s credit market, supply dynamics’ role has increased in recent years. For Cabo Verde to promote private sector-led growth and sustainable economic development, reforms aiming at strengthening both credit demand and supply will be essential. These include improving the business environment for the private sector as well as strengthening the financial sector by ensuring prudent banking supervision and an effective resolution of the nonperforming loan overhang.

scholarly journals Banks’ Holdings of Government Securities and Credit to the Private Sector in Emerging Market and Developing Economies

2019 ◽  
Vol 19 (224) ◽  
Author(s):  
Romain Bouis
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
Developing Economies ◽  
Emerging Market ◽  
Negative Relationship ◽  
Credit Growth ◽  
Financial Repression ◽  
Portfolio Rebalancing ◽  
Sector Analysis ◽  
The Government

This paper studies the relationship between banks’ holdings of domestic sovereign securities and credit growth to the private sector in emerging market and developing economies. Higher banks’ holdings of government debt are associated with a lower credit growth to the private sector and with a higher return on assets of the banking sector. Analysis suggests that the negative relationship between banks’ claims on the government and private sector credit growth mainly reflects a portfolio rebalancing of banks towards safer, more liquid public assets in stress times and provides only limited evidence of a crowding-out effect due to financial repression.

scholarly journals Impact of Non-Performing Loans on Credit Growth in the Banking Industry in Tanzania: 2009 – 2018

2021 ◽  
pp. 10-18
Author(s):  
John P. Lihawa ◽  
Deus D. Ngaruko
Keyword(s):  
Growth Rate ◽  
Regression Analysis ◽  
Private Sector ◽  
Interest Rates ◽  
Inflation Rate ◽  
Negative Impact ◽  
Gdp Growth ◽  
Credit Growth ◽  
Gdp Growth Rate ◽  
The Impact

This study adopted descriptive statistics and multiple regression analysis in investigating the impact of Non-Performing Loans (NPL) on credit growth to private sector in Tanzania, apart from NPL. The study also investigated the influence of interest rates, inflation rates and GDP on credit advancement to private sector in Tanzania. Using multiple linear regression analysis the study found that both NPL and interest rates have negative impact on the credit growth to private sector in Tanzania, with coefficient values of -0.323 and -0.263 for NPL and interest rate respectively. Furthermore, the study also found that Inflation rate and GDP growth rate have positive impact on the credit growth to private sector in Tanzania with coefficients of 0.247and 0.156 for inflation rate and GDP growth rate respectively. The study found that NPL has a significant negative impact on the credit growth by commercial bank to private sector in Tanzania. These results suggest that the central bank should continue to closely monitor and control the level of NPL in the economy and confine it below the threshold of 5% as stipulated by the BOT and IMF. The study also recommends that commercial banks should ensure that a thorough credit risk assessment is conducted when advancing loans to private sector.

ECB QE will boost credit growth, but not soon

2015 ◽  
Keyword(s):  
Private Sector ◽  
Asset Price ◽  
Quantitative Easing ◽  
Press Conference ◽  
Private Debt ◽  
Credit Growth ◽  
Content Type ◽  
Portfolio Rebalancing ◽  
Price Bubble ◽  
Private Credit

Subject Is quantitative easing helping credit growth? Significance Economists are questioning whether the ECB's sovereign quantitative easing (QE) programme is boosting private credit growth, one of the key objectives of QE. At his June press conference, ECB President Mario Draghi said that "the dynamics of loans to non-financial corporations remain subdued". This followed his comments in May that the private sector is still "hesitant to take on economic risk". Impacts Regardless of encouraging signals from the credit front, both real borrowing costs and private debt ratios remain high. The QE programme's goal is encouraging banks to make new loans to corporates and households. QE also aims to trigger portfolio rebalancing from bonds to equities. If non-financial companies do not issue more equities or bonds, higher bank demand will fuel an asset price bubble.

scholarly journals Excessive credit growth or the catching up process: The case of central, eastern, and southeastern European countries

2015 ◽  
Vol 60 (206) ◽  
pp. 7-44
Author(s):  
Dusan Stojanovic ◽  
Danilo Stojanovic
Keyword(s):  
Financial Crisis ◽  
Private Sector ◽  
Empirical Analysis ◽  
Credit Growth ◽  
Crisis Period ◽  
Empirical Results ◽  
Catching Up ◽  
Out Of Sample ◽  
Hp Filter ◽  
Strong Expansion

Most CESEE countries had an impressive credit growth prior to the outbreak of the financial crisis in 2008. Nevertheless, that experience has taught us that the strong expansion of private sector credit must not be ignored. In an attempt to investigate whether the rapid credit growth was a result of the catching-up process or was a risky process with well-known consequences, we performed empirical analysis by applying statistical (HP filter) and econometric (pooled OLS, fixed effect OLS, and PMG) approaches. The empirical results of both out-of-sample and in-sample approaches suggest that in the pre-crisis period excessive credit growth in terms of higher actual than estimated credit growth was recorded for the majority of the countries observed. Compared to the out of-sample approach, in-sample estimates, which turned out to be more reliable, indicate that the pre-crisis growth was less pronounced and that over the post-crisis period actual credit growth fluctuated around the estimated growth, pointing to the fact that the former was in line with movements in its fitted values.

scholarly journals Early Birds, Late Risers, and Sleeping Beauties: Bank Credit Growth to the Private Sector in Central and Eastern Europe and in the Balkans

2003 ◽  
Vol 03 (213) ◽  
pp. 1 ◽  
Author(s):  
Ivanna Vladkova Hollar ◽  
Giovanni Dell'Ariccia ◽  
Carlo Cottarelli ◽  
◽  
◽  
...  
Keyword(s):  
Private Sector ◽  
Eastern Europe ◽  
Central And Eastern Europe ◽  
Bank Credit ◽  
Credit Growth ◽  
The Balkans ◽  
Sleeping Beauties
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