de Luna Mart??nez, Jos?? - 2012
Despite the deep financial sector reforms undertaken in Zambia in the early 1990s, the expected benefits of … access to credit in 2006. Moreover, less than 8 percent of Zambia's adult population had a bank account in 2005. And despite … the open door policy to foreign financial institutions, which has been in place since Zambia's independence, only a few …