The effect of a moveable collateral registry on MSME access to finance: Evidence from Malawi

Figures & data

Figure 1. Number of registrations per year per category of lenders, 2016–2020.

Source: Data obtained from the Registry, 2016–2020

Figure 2. Gross loans and advances for commercial banks, 2016–2019.

Source: RBM (2020)

Table 1. Number of moveable asset-based lending registered by commercial banks and MFIs

Parameter	Commercial Banks	MFIs	Mean Difference	P – Values
Mean	1373.40	3003	-1629.6	0.2450
Standard Dev	764.16	2177.49
Minimum	656.00	501.00
Maximum	2654.00	6101.00
Skewness	1.0	0.38
Kurtosis	2.72	1.87

Source: Authors’ computation based on data from the Collateral Registry, 2016 to 2020.

Table 2. Access to moveable asset-backed loans: Comparison between large firms and MSMEs

Parameter	Large Firms	MSMEs	Mean Difference	P – Values
Mean	90.00	3987.00	-3897.40	0.1040
Standard Dev	52.28	4173.68
Minimum	27.00	716.00
Maximum	146.00	10621.00
Skewness	-0.05	0.88
Kurtosis	1.39	2.21

Source: Authors’ computation based on data from the Collateral Registry, 2016 to 2020.

Figure 3. Banks’ lending to MSME prior to the introduction of the registry.

Figure 4. Banks’ lending to MSME after the introduction of the registry.

Source: Authors’ Calculation based on Survey responses, 2020

Reserve Bank of Malawi (RBM). (2020). Financial Supervision Annual Reports, 2016–2019. https://www.rbm.mw/(S(23o3cjymwtshm3eogihvsi45))/Supervision/BankSupervision/?activeTab=BASUAnnualReports

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