Education is high on the agenda for some of the banks in South Sudan. Ivory Bank often makes national radio broadcasts on Friday mornings to educate people about their banking products. The South Sudan Micro Finance Development Facility gives grants and loans to microfinance institutions to help them reach potential borrowers. But the lack of human capital in South Sudan creates another barrier to a thriving banking environment. Government regulations state that all banks must employ at least 90% local people, but with only 27% of the population literate, it is difficult to hire the right expertise.
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