Bosnia and Herzegovina: Indebtedness Revisited: the Level of indebtedness of MSME Credit Customers and the Quality of Finance

This report analyses the level of indebtedness of MSME credit customers and the quality of fi b-h nance in Bosnia and Herzegovina (BiH).

The objectives of the follow-up study in 2013 were to:

assess the current level of indebtedness and repayment performance of micro, small and medium enterprises (MSMEs) and retail borrowers in BiH,
examine the factors – on both the demand and supply side – that drive high levels of indebtedness,
assess the quality of finance for these clients of financial institutions, and
propose recommendations for financial institutions in BiH.