literature, little is known about the relationship between the bank market structure and access to finance for opaque firms …, particularly in developing economies such as South Africa. Using ordered probit and logit models, we investigate the impact of bank … market structure on small, micro and medium enterprises (SMMEs)access to finance. Our results show that high bank …

and bank-dominated systems. This study investigates the relationship between banking concentration and financial inclusion …, indicating relatively high levels of bank concentration that can benefit bank account ownership and loans. Thresholds for savings … are relatively low. The effect of bank concentration on savings and loans is tempered by mobile phone penetration. Strong …