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It remains a fact, however, that there is a large contrast between the urban and rural areas in Morocco (The World Bank 2021b), with the more remote mountainous regions mostly lacking basic infrastructure or medical care and having limited access to job and educational opportunities (The World ...
and Wandera (2013), based on their study on the effect of credit information sharing on the level of non-performing loans in banks in Kenya, concluded that the introduction of credit information sharing system has led to a reduction in non-performing loans in the banking sector of Kenya. Mut...