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What Influences Banks' Lending in Sub-Saharan Africa?

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  • Amidu, Mohammed

Abstract

Banking literature, especially those on the developing economies, has not emphasized the link between macroeconomic activities, monetary policy, bank market structure, bank specific condition, and the supply of bank loans. This study employs dynamic panel data techniques to investigate the broad determinants of lending behaviour of 264 banks across 24 sub-Saharan Africa (SSA) countries. The results show that the market structure of banks influences credit delivery in SSA in an environment where the financial sector is reformed and banks are allowed to operate freely. More so, there is evidence to suggest a link between bank credit and the financial strength of the banks. The study further reveals that, regulatory initiative, which restricts banking activities, imposes severe entry requirements and requires high regulatory capital, and influences banks' decisions to supply loans.

Suggested Citation

  • Amidu, Mohammed, 2014. "What Influences Banks' Lending in Sub-Saharan Africa?," Working Papers 60ba6459-6737-4eff-a101-c, African Economic Research Consortium.
    • Handle: RePEc:aer:wpaper:60ba6459-6737-4eff-a101-cc99f7a6fe38
    Note: African Economic Research Consortium
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