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Centre for Inclusive Banking in Africa


Access to and use of formal financial services by low-income and poor people is a formidable development challenge.  It is estimated that more than 80% of the people of Africa have no access to formal financial services.  Research shows the positive effect of access and use of formal financial services on economic growth and poverty alleviation.

These financial services involve much more than just providing microcredit.  The fact is that poor people prefer access to transaction and savings services before turning to credit.  It is now generally accepted that it is possible to provide viable formal financial services to the poor and there are many examples of success, but also of failure.

The low access challenge is a function of many aspects, but largely boils down to issues to do with the cost-to-clients to interact with formal financial institutions and the cost-to-serve poor clients incurred by the formal financial institutions.

The objective of the Centre for Inclusive Banking in Africa (CIBA) is to improve financial inclusion through affordable access to a range of responsible financial services for poor and low-income people, provided by viable and sustainable financial institutions that will contribute to economic development and poverty alleviation in Africa.  In short, as reflected by our tagline:

EDUCATION AND TRAINING                                RESEARCH                   LINKS    


Investment in the 21st century ‘knowledge’ currency to produce world-class graduates - 22/04/2014
Hellmann Logistics South Africa joined forces with the Department of Business Management to invest in the 21st century ‘knowledge’ currency to produce world-class graduates by awarding ten BCom (Business Management) students, with highly innovative and creative social media initiatives, with bursaries and internships for one academic year.
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UP Architecture graduate wins prestigious national award - 22/04/2014
Heidi van Eeden, a University of Pretoria alumna, was announced as the overall winner of the 27th National Corobrik Architectural Student of the Year award. This is the seventh time that a U.P. student has won this prestigious award. Previous winners were Braam de Villiers (1994), Christiaan van Niekerk (2002), Gerald Schulz (2004), Cillié Malan (2005), Marinda Smalberger (2007) and Clifford Gouws (2012).
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First in-depth look at West Coast’s own Heaviside’s dolphins - 17/04/2014
All Heaviside’s dolphins found along southern Africa’s West Coast are related, and belong to one of two major populations. This is one of the findings of the first in-depth genetic study about this endemic dolphin species that is only found from Table Bay to southern Angola. The species may be sensitive to overharvesting by the hake fishing industry.
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The world beyond 2015 – is higher education ready? - 17/04/2014
‘We are very good at communicating to a scholarly audience, but one of our challenges is how to transfer that information to a broader audience, in other words the general public. There is definitely room for us [universities] to do more of that.’ This was the response of Prof Cheryl de la Rey, Vice-Chancellor and Principal of the University of Pretoria (UP), to one of the questions posed by the Association of Commonwealth Universities (ACU) as part of a new international campaign.
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UP ideally positioned to make a contribution - 17/04/2014
African universities have a major role to play in contributing to the continent’s transformation, and the University of Pretoria (UP) is ideally positioned to make such a contribution.
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Prof Tiaan de Jager gives an African perspective on environmental issues in Geneva - 15/04/2014
Prof Tiaan de Jager, Deputy Dean: Research in the Faculty of Health Sciences and Director of the University of Pretoria’s Centre for Sustainable Malaria Control, is an expert on the effect of the presence of pharmaceuticals in the environment in Africa. It was on account of this expertise that he was invited by the German Federal Government Environment Protection Agency and the United Nations Environmental Programme (UNEP) to address them on the effect of pharmaceuticals on the environment in Africa.
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Tax specialist nominated for an Education Innovation Award - 15/04/2014
A senior lecturer in the Department of Taxation, Ms Theresa van Oordt, has been nominated for the Laureate Award for Education Innovation.
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