An Evaluation Of Commercial Banks Lending To The Productive Sectors: Evidence From Namibia

ABSTRACT The primary objective of this study is to evaluate the commercial banks on lending to the productive sectors in Namibia. The problem that the study has identified is that the commercial banks are reluctant to lend to the productive sectors of the economy. Most of the deposits that are mobilised locally by the commercial banks are not used to develop the domestic economy. Commercial banks in Namibia do not see it as their business to lend to risky long-term investments which are the driving force of the economy. This study reviews the main barriers to credit allocation to the private …