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Fiji has six commercial banks, of which five are foreign-owned. The finance sector also features insurance companies, credit institutions, foreign exchange dealers, a provident fund, and the Fiji Development Bank. The country is one of only two Pacific developing member countries with a stock exchange. The Reserve Bank of Fiji is the central monetary authority and primary regulator of financial institutions. Fiji’s finance sector is expanding, with private sector credit growing consistently. Access to finance is limited for much of the population and the government is undertaking reforms to address this issue.