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An avid viewer of television has seen the commercials portraying shortages of food and mass starvation in Africa. Yet in these times of relative prosperity, little is heard of Africa’s debt problem. Although the total debt of all African coun ....

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... a loan sends tremors through the economic world (George, 39). Eventually the countries are recognized as a poor credit risk and can no longer get loans. This is where the International Monetary Fund (IMF) and the World Bank come into the picture. The structural adjustment programs of the International Monetary Fund (IMF) and the World Bank have had greater negative effects than positive on the African countries that have adopted them. This essay will examine the adjustment programs themselves and the political, social and economic effects adjustment programs have had on the countries that have accepted them. The IMF began as an organizat ...