The Millennium Development Goals adopted by the Government of Senegal envision that 82% of rural households should have access to drinking water by 2015, as compared to 64% in 2005. On the sanitation side, 59% of rural households should have adequate on-site systems by the same time as compared...

The important role that an effective risk management system plays in ensuring banks’ profitability and continuity is widely proven. The Basel II guidelines, which will soon be applied internationally requires that banks and other financial institutions have a comprehensive risk management...