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[email protected] Citations should refer to an Occasional Paper of the Bank of Namibia. The views expressed are those of the author(s) and do not necessarily represent those of the Bank. VIABILITY OF COMMERCIAL BANK BRANCHES IN RURAL COMMUNITIES IN NAMIBIA by Esau Kaakunga, Bernie P. Zaaruka, Erna Motinga, John Steytler1 BoN Occasional Paper OP-2/2004 © Copyright of the Bank of Namibia, Research Department 2004 All rights reserved. No part of this publication may be reproduced, copied or transmitted in any form or by any means, including photocopying, plagiarising, recording and storing without the written permission of the copyright holder except in accordance with the copyright legislation in force in the Republic of Namibia. 1 The research team would like to thank Mr Lazarus Shaduka and Ms Teresia Williams for their assistance during the field survey and Dr Sylvanus Ikhide for comments provided during the preparation of this paper. VIABILITY OF COMMERCIAL BANK BRANCHES IN RURAL COMMUNITIES IN NAMIBIA ' Bank of Namibia, Research Department, 2004 All rights reserved. No part of this publication may be reproduced, copied or transmitted in any form or by any means, including photocopying, plagiarising, recording and storing without the written permission of the copyright holder except in accordance with the copyright legislation in force in the Republic of Namibia. The contents of this publication are intended for general information only and are not intended for general information only and are not intended to serve as financial or other advice.