Republic of Mozambique: Financial sector assessment program – Financial system stability assessment published by IMF (1/2010). “The limited progress in financial deepening is attributable to two sets of factors: economy-wide, structural impediments to financial intermediation, which limit the number of creditworthy clients or increase the costs and risks of offering financial services; and the lack of competition in the banking system, which dampens deposit mobilization and contributes to high borrowing costs…”
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