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MITIGATING RISKS FOR AFRICA'S GROWTH BUSINESSES (SMEs)

 
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MITIGATING RISKS FOR AFRICA'S GROWTH BUSINESSES (SMEs)
   

SME RISKS SME RISKS The Context The Context REAL AND IMAGINARY REAL AND IMAGINARY IMAGINARY RISKS (RED)IMAGINARY RISKS (RED)

•High birth/death rate (Survival)

•Inadequate experience •Narrow market •Short-term goals (“lifestylistic”)

•Unclear growth/critical path •Dominant player •Weak or non-existent structures •Informationallyopaque •No succession planning REAL RISKS REAL RISKS •POLITICAL •COMMERCIAL/CREDIT POLITICAL RISK •Cancellation of Licences and Restrictions on Import and Export •Inconvertibility and Inability to Transfer •Imposition or Increase of Import or Export Taxes •Selective and Discriminatory Imposition or Increase of Import/Export Taxes, Levies or Duties •Expropriation •Government Interference with entities owing insured obligations •Seizure of Goods, Prevention of Sale, or Prevention of Export •Interference with the Carriage of Goods •War or Civil Disturbance •Embargo •Diversion Risk CREDIT RISK CREDIT RISK •Arises from –the insolvency of buyers in trade transactions or –Past due default on the part of customers POLITICAL RISK INSURANCE POLITICAL RISK INSURANCE 1.WHO OFFERS IT?

2.TERMS AND CONDITIONS 3.APPLICATION PROCESS 4.CLAIMS PROCESS MITIGATING CREDIT RISK MITIGATING CREDIT RISK ��CREDIT RISK INSURANCE 1.WHAT IT IS NOT 2.BASIC PRINCIPLES 3.WHO OFFERS IT 4.BENEFITS TO INSURED I. Catastrophic loss protection I.Safe sales expansion II.Credit decision support III.Borrowing enhancement 4.THE UNDERWRITER’S ROLE 1.Policy premium 2.Risk retention 3.Coverage limit 5.THE APPLICATION PROCESS MITIGATING THE RED RISKS MITIGATING THE RED RISKS (THE HIDDEN KEY TO SME GROWTH) (THE HIDDEN KEY TO SME GROWTH) To learn more about this author, visit African Development Bank's Website.

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African Development Bank
(Visit African's Website)
The African Development Bank is the premier financial development institution of Africa, dedicated to combating poverty and improving the lives of people of the continent and engaged in the task of mobilizing resources towards the economic and social progress of its Regional Member Countries.The Bank’s s mission is to promote economic and social development through loans, equity investments, and technical assistance. The ADB is a multilateral development bank whose shareholders include 53 African countries and 24 non-African countries from the Americas, Asia, and Europe. It was established in 1964, with its headquarters in Abidjan, Côte d’Ivoire, and officially began operations in 1967.
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