Location:
Western Africa
Capital City:
Banjul
Area:
total: 11,300 sq km
land: 10,120 sq km
water: 1,180 sq km
border countries (1):
Senegal 749 km
Coastline:
80 km

The Gambia


Climate:
tropical;
hot, rainy season (June to November);
cooler, dry season (November to May)
Terrain:
floodplain of the Gambia River flanked by some low hills
Elevation:
mean elevation: 34 m
elevation extremes: lowest point: Atlantic Ocean 0 m
highest point: unnamed elevation 53 m
Natural resources:
fish, clay, silica sand, titanium (rutile and ilmenite), tin, zircon
Land use:
agricultural land: 56.1%
arable land 41%; permanent crops 0.5%; permanent pasture 14.6%
forest: 43.9%
other: 0% (2011 est.)
Irrigated land:
50 sq km (2012)
Population – distribution:
settlements are found scattered along the Gambia River; the largest communities, including the capital of Banjul, and the country’s largest city, Serekunda, are found at the mouth of the Gambia River along the Atlantic coast
Natural hazards:
droughts

People and Society
The Gambia’s youthful age structure – almost 60% of the population is under the age of 25 – is likely to persist because the country’s total fertility rate remains strong at nearly 4 children per woman. The overall literacy rate is around 55% and is significantly lower for women than for men. At least 70% of the populace are farmers who are reliant on rain-fed agriculture and cannot afford improved seeds and fertilizers. Crop failures caused by droughts between 2011 and 2013 have increased poverty, food shortages, and malnutrition.
The Gambia is a source country for migrants and a transit and destination country for migrants and refugees. Since the 1980s, economic deterioration, drought, and high unemployment, especially among youths, have driven both domestic migration (largely urban) and migration abroad (legal and illegal). Emigrants are largely skilled workers, including doctors and nurses, and provide a significant amount of remittances. The top receiving countries for Gambian emigrants are Spain, the US, Nigeria, Senegal, and the UK. While the Gambia and Spain do not share historic, cultural, or trade ties, rural Gambians have migrated to Spain in large numbers because of its proximity and the availability of jobs in its underground economy (this flow slowed following the onset of Spain’s late 2007 economic crisis).
The Gambia’s role as a host country to refugees is a result of wars in several of its neighboring West African countries. Since 2006, refugees from the Casamance conflict in Senegal have replaced their pattern of flight and return with permanent settlement in The Gambia, often moving in with relatives along the Senegal-Gambia border. The strain of providing for about 7,400 Casamance refugees has increased poverty among Gambian villagers.
Population:
2,051,363 (July 2017 est.)
Nationality:
Gambian(s)
Ethnic groups:
Mandinka/Jahanka 34%, Fulani/Tukulur/Lorobo 22.4%, Wolof 12.6%, Jola/Karoninka 10.7%, Serahuleh 6.6%, Serer 3.2%, Manjago 2.1%, Bambara 1%, Creole/Aku Marabout 0.7%, other 0.9%, non-Gambian 5.2%, no answer 0.6% (2013 est.)
Languages:
English (official), Mandinka, Wolof, Fula, other indigenous vernaculars
Religions:
Muslim 95.7%, Christian 4.2%, none 0.1%, no response 0.1% (2013 est.)
Ethnicity, Language, and Religion
There are 8 main ethnic groups in the Gambia living side by side with a minimum of intertribal friction, each preserving its own language, music, cultural traditions and even caste systems though there is an increasing amount of cultural interaction and fusion. Indeed, the average Gambian will tell you he feels he has more in common with his countrymen than he has with a Senegalese from the same tribe! This by no means suggests that there is a lack of individual identity. While there is growth in multi-ethnic expressions, the search by groups to reaffirm their identities remains. The Mandinka ethnicity is the largest, followed by the Fula, Wolof, Jola/Karoninka, Serahule / Jahanka, Serers, Manjago, Bambara, Aku Marabou and others. The Krio people, locally known as Akus, constitute one of the smallest ethnic minorities in the Gambia. They are descendants of the Sierra Leone Creole people and have been traditionally concentrated in the capital.
English is the official language, but the most frequently spoken languages are generally of the Atlantic branch of the Niger-Congo family. Mandinka and Wolof constitute the lingua francas of the country, and other languages spoken include Pulaar (Fulbe), Serer, Diola, and Soninke. Some Muslim clerics are literate in Arabic.
Islam, which was introduced in the 12th century, is followed by about 90%. The main Muslim branches are Tijaniyah, Qadiriyah, Muridiyah, and Ahmadiyah. About 9% of the population are Christians, mostly Roman Catholics; they live primarily in the Banjul area. Protestant denominations include Anglicans, Methodists, Baptists, Seventh-Day Adventists, and Jehovah’s Witnesses, along with other small evangelical groups. About 1% of Gambians practice traditional indigenous religions. In some areas, practices of animism are blended with Christianity or Islam. There is a small group of Baha’is.
Education
The constitution mandates free and compulsory primary education in the Gambia. Lack of resources and educational infrastructure has made implementation of this difficult. In 1995, the gross primary enrollment rate was 77.1% and the net primary enrollment rate was 64.7% School fees long prevented many children from attending school, but in February 1998, President Jammeh ordered the termination of fees for the first six years of schooling. Girls make up about 52% of primary school pupils. The figure may be lower for girls in rural areas, where cultural factors and poverty prevent parents from sending girls to school. Approximately 20% of school-age children attend Quranic schools.
The structure of the education system in The Gambia provides for the expanded vision of basic education (ECD, Basic Education 1 – 9 and Adult and Non-formal Education) and Secondary Education. The formal system is characterized by nine years of uninterrupted basic education followed by three years of senior secondary education and four years of post-secondary or tertiary and higher education. The first nine years of schooling constitute the basic education cycle and are financed principally by Government while secondary school education, which is three years, is primarily provided by the private sector with grant-aided schools assisted by Government and managed by school boards.
The Gambia’s national education policy (2004 – 2015) provides for a unified basic education system, covering years 1-9, through an automatic transition with no transition examination at the end of the lower basic cycle. Thus there is rapid expansion taking place at the upper basic level and a policy of integrating basic education facilities where possible. Also in practice, it is difficult to draw a line between the lower and the upper basic cycles. This analysis, however, looks at the different levels of basic education principally for ease of reference and to see the performance of each level during the period. It should therefore not be seen as an attempt to separate basic education as a concept.
At the end of Upper Basic school, a standardized exam will dictate whether a student is qualified to continue their education with Senior Secondary School. Unfortunately, many students are forced to terminate their education at the end of the Upper Basic cycle, due either to monetary difficulties, failure to pass the exam or disillusions about the value of education—engendered by the lack of jobs even for Gambians who have passed grade twelve. If parents of Upper Basic graduates have the money, they are just as likely to send their offspring to a trade school or skills center as to send them on to the next grade school level.
The Gambia College provides non-degree training in agriculture, science, nursing and midwifery, education, catering, and management. The University of the Gambia was established in 1999 and offers undergraduate programs in humanities & social studies, economics & management science, and nursing and public health. It also offers 6-year courses in medicine and surgery too.

Economy
The Gambia has a small economy that relies primarily on tourism, rain-dependent agriculture, and remittances, and is vulnerable to external shocks. Real gross domestic product (GDP) growth is expected to be above 3.5% in 2017, propelled by lower interest rates and a rebound in the service sector. The fiscal situation, which deteriorated during the political crisis, has improved due to strengthening fiscal discipline and external support. Expenditure ceilings have helped control expenditures, and domestic revenues have recovered in 2017.
The government has invested in the agriculture sector because three-quarters of the population depend on the sector for its livelihood and agriculture provides for about one-third of GDP, making The Gambia largely reliant on sufficient rainfall. The agricultural sector has untapped potential – less than half of arable land is cultivated and agricultural productivity is low. Small-scale manufacturing activity features the processing of cashews, groundnuts, fish, and hides. The Gambia’s re-export trade accounts for almost 80% of goods exports and China has been its largest trade partner for both exports and imports for several years.
The Gambia has sparse natural resource deposits. It relies heavily on remittances from workers overseas and tourist receipts. Remittance inflows to The Gambia amount to about one-fifth of the country’s GDP. The Gambia’s location on the ocean and proximity to Europe has made it one of the most frequented tourist destinations in West Africa, boosted by private sector investments in Eco-tourism and facilities. Tourism normally brings in about 20% of GDP, but it suffered in 2014 from tourists’ fears of the Ebola virus in neighboring West African countries. Unemployment and underemployment remain high.
The macroeconomic framework continues to be characterized by high debt levels, estimated at 123.6% of GDP in 2017, creating significant risks of debt distress. About 40% of the domestic debt is held by domestic banks, which poses risks for the stability of the banking sector. The key long-term development challenges facing The Gambia are related to its in-diversified economy, small internal market, limited access to resources, lack of skills necessary to build effective institutions, high population growth, lack of private sector job creation, and high rate of out migration. The country faces a limited availability of foreign exchange, weak agricultural output, a border closure with Senegal, a slowdown in tourism, high inflation, a large fiscal deficit, and a high domestic debt burden that has crowded out private sector investment and driven interest rates to new highs. The government has committed to taking steps to reduce the deficit, including through expenditure caps, debt consolidation, and reform of state-owned enterprises.
GDP (purchasing power parity):
$3.602 billion (2017 est.)
$3.524 billion (2016 est.)
$3.379 billion (2015 est.)
note: data are in 2017 dollars
GDP (official exchange rate):
$1.009 billion (2017 est.)
GDP – real growth rate:
3.5% (2017 est.)
2.2% (2016 est.)
4.3% (2015 est.)
GDP – per capita (PPP):
$1,700 (2017 est.)
$1,700 (2016 est.)
$1,700 (2015 est.)
Gross national saving:
13.4% of GDP (2017 est.)
9.9% of GDP (2016 est.)
4.7% of GDP (2015 est.)
GDP – composition, by sector of origin:
agriculture: 20.4%
industry: 14.2%
services: 65.4% (2017 est.)
Agriculture – products:
rice, millet, sorghum, peanuts, corn, sesame, cassava (manioc, tapioca), palm kernels; cattle, sheep, goats
Industries:
peanuts, fish, hides, tourism, beverages, agricultural machinery assembly, woodworking, metalworking, clothing
Population below poverty line:
48.4% (2010 est.)
Budget:
revenues: $187 million
expenditures: $369.9 million (2017 est

Agriculture
Agriculture is the most important sector in The Gambian economy and one of the priority areas of development, particularly in the new global climate of price escalation of staple food items and oil. The Gambia has 558,000 hectares of very good quality arable land, of which only 200,000 hectares are currently under rain-fed agricultural production. The Gambia has great potential for irrigated agriculture, with fresh water from the River Gambia, rainwater is harvested, and fossil water that can be drilled. It also has a weather pattern that is suitable for almost all production. The Department of State for Agriculture, within its mandate to develop and modernize agriculture, will readily give all necessary support and incentives to any serious investor, who wants to invest and operate in the sector and support Government’s efforts to develop the sector.
The relevant technical departments, the technical expertise, and trained personnel are all readily available in the country: the agricultural sector has the highest number of graduates, degree and Ph.D. holders in the country. The sector also offers great potential for value adding processing and transformation of all agricultural products, for both the local and international markets. All agricultural goods entering the national territory enter free of charge i.e. no customs duty is charged. The Gambia is at the implementation stage of the Vision 2020 blueprint and wants to become an “export-oriented agricultural nation”, and transform and process all such products, for the local and international market, through a reputable and high quality made in The Gambia brand.
There are five key areas that can be exploited in the Gambia, which includes Horticulture Fruits: mangoes, citrus, bananas, avocados, guava, cashews, oil palm, coconuts, etc. Large range vegetables: onions, potatoes, lettuce, cabbage, garlic, tomatoes, mushrooms, peas, cow-peas, beans, etc; Lowers; chrysanthemums, orchids, roses etc. Landscape gardening:-parks, private homes, hotels; Field crops: suitable in all ecologists of the country; Cereal grains: rice, maize, sorghum, wheat, etc; Grain legumes: groundnuts, cow-peas, soy beans, sesame, etc; Root crops: cassava, sweet potatoes, potatoes, carrots; Oil trees: cashew, oil palm, coconuts.
Electricity access:
population without electricity: 1,200,000
electrification – total population: 36%
electrification – urban areas: 60%
electrification – rural areas: 2% (2013)
Electricity – production:
240 million kWh (2015 est.)
Electricity – consumption:
223.2 million kWh (2015 est.)
Electricity – exports:
0 million kWh (2015 est.)
Electricity – imports:
0 billion kWh (2015 est.)
Electricity – installed generating capacity:
114,000 kW (2015 est.)
Electricity – from fossil fuels:
100% of total installed capacity (2015 est.)
Electricity – from nuclear fuels:
0% of total installed capacity (2015 est.)
Telephones – fixed lines:
total subscriptions: 37,969
subscriptions per 100 inhabitants: 2 (July 2016 est.)
Telephones – mobile cellular:
total: 2,838,127
subscriptions per 100 inhabitants: 138 (July 2016 est.)
Internet country code:
.gm
total: 371,785
percent of population: 18.5% (July 2016 est.)
Agriculture
Swaziland’s agricultural sector is the second largest contributor to the economy after the manufacturing sector. The commercial agriculture sector is dominated by sugar, canned fruit and beef production for export. Many Swazis practice subsistence farming, mainly maize cultivation. The country is historically a net importer of maize, and the quantity demanded depends significantly on unreliable rainfall. Besides subsistence production, the country meets much of its demand for agricultural products through imports from South Africa. In 2012/2013 maize cultivation increased from 76.0 metric tons in the previous year to 82.0 metric tons. Source: Central Bank of Swaziland 2013/2014 report.
Sugar used to be the mainstay of the economy until it was overtaken by fruit concentrates. However, it remains the country’s largest source of employment. Maize, the country’s staple food, and cotton are the main products of SNL farmers. Large-scale cotton production is being introduced as the Royal Swaziland Sugar Corporation begins to diversify into this crop. Oranges and grapefruit are grown for export on large estates, mainly controlled by Europeans, and mainly in the Low-Veld area. Value-added activities in the sector include the processing and preserving of fruit and vegetables, the processing of vegetable and animal oils and fats, dairy products, grain mill products especially wheat which is wholly imported, prepared animal feeds, sugar refining, cocoa, chocolate, and sugar confectionery amongst other food products.
Swaziland beef exports were mixed. Swaziland exports its beef to the European and Norwegian markets. In 2013 Swaziland was able to exceed its Norwegian quota of 500 metric tons for the consecutive year. To the European market, Swaziland exported 701 metric tons of boneless beef in 2013 compared to 692 metric tons in 2012. On the positive side, production of processed meat is projected to remain on the upward trend as there is a continuous investment on improving productivity and efficiencies mainly by the export abattoir. EU and Norwegian markets are good prospects for the beef industry in the medium term, subject though to the continuity of the trade agreements.
Prospects for the sugar industry are mixed. Sugar production is expected to increase as a result of the expansion of cane growing area under the Lower Usuthu Smallholder Irrigation project. The area is projected to increase by 607 hectares with an anticipated increase in yields and sugar production to increase by 4 percent. Cattle are the traditional sign of wealth, and 80 percent of the cattle population remains in the hands of Swazi smallholders. The traditional nature of cattle raising has led to the slow development of the meat industry, as there is a strong resistance to offering cattle for slaughter. Domestic milk production is increasing and beef, tinned and frozen, is exported to the EU and South Africa.
Industry and Mining
The West African country’s manufacturing sector continues to be under-exploited with a limited concentration of interconnected manufacturing companies. The sector consists mainly of medium-sized enterprises located primarily in the urban areas. The sector’s share of gross domestic product (GDP) continues to be low thus forming the basis of increased government efforts to expand industrial production and development. The Government’s strategy is to build on the small domestic base to encourage companies to supply the Gambian and regional markets, and subsequently develop products which can be exported to the EU and the US. The sector consists mainly of medium-sized enterprises located primarily in the urban areas. The sector’s share of gross domestic product (GDP) continues to be low thus forming the basis of increased government efforts to expand industrial production and development.
Although the Gambian market is small, there are substantial imports of manufactured goods and processed foods for the tourist and national populations. There is also a substantial regional market with established distribution channels developed through the existing re-export business. Horticulture Opportunities exist in the processing of fruits and vegetables for export as well as the domestic market. Large quantities of fresh produce are wasted during peak seasons, mainly due to inadequate storage facilities and limited value-adding activities. However, with the setting-up of the Free Export Processing Zone, and The Gambia’s strategic location as a short haul to major markets in the sub-region, the horticulture sector offers good export opportunities.
There are little major investments in this area; however, given the size of yearly imports of goods such as fruit juice, chicken feed, roasted confectionery nuts and dairy products, the sub-sector offers significant investment opportunities. There is a need for establishing a fruit juice processing industry to cater to the surplus on exports of fresh tomatoes, mangoes, lemons, oranges and other fruits. The production of tomato paste, hot pepper sauce, and processing of flour from wheat will significantly reduce the Gambia’s annual import requirements. In the same vein, creating a feed mill should complement the livestock sector. These food commodities have a greater export potential to the West African sub-region as well as satisfying local demand caused by the growth of the country’s tourism sector.
Fisheries The processing of The Gambia’s abundant fisheries resources – jumbo shrimps, lobsters, oysters, and smoked/dry fish – offers good investment potential. These can be purchased from Gambian fishing companies with adequate storage facilities and reliable supply sources. Potential investors can also invest in the whole value chain from commercial fish catching to processing, packaging and final marketing. Light manufacturing for the export market using the Free Export Processing Zone There exist investment opportunities in light pharmaceutical products, cosmetics, packing materials, ceramic tiles and sanitary wares, garments, mineral water and leather shoes. Investment opportunities also exist in bulk importation and reprocessing and repackaging.
Banking Sector
The Gambia Financial System has evolved rapidly over the last several years and is markedly liberalized now. Most interest rates are freely determined, direct controls have been eliminated, exchange controls abolished and the country has moved to the indirect system of monetary controls using open market operations. These measures increased competition in the domestic financial system. As a result of developments and policy practices changes in the legislation have also taken place. The Financial Institutions Act (FIA), the Central Bank Act (CBG Act) have been revised. The FIA Act 2003 has been enacted while the CBG Act 1992 is almost in its final stage of revision. The Insurance Act 2003 and the Money Laundering Act 2003 have also been enacted.
The Gambia has 12 commercial banks, one of which is an Islamic bank. The banking system is supervised by the Central Bank of The Gambia. The sector is dominated by subsidiaries of Nigerian banks. It should be noted that these subsidiaries are fairly independent of their parent institutions and are usually majority-owned by Gambian entities. The banking system is highly liquid and most banks are profitable. Most banks meet the regularity requirements of the central banks in terms of capital adequacy and liquidity. While the sector is profitable, the banks disproportionately depend on government assets (treasury bills). Lending to individuals and businesses is not high as interest rates are very high. There are no restrictions on foreign businesses opening accounts in The Gambia. Investors can repatriate funds through the banking system. There are no known features or rules/laws of The Gambia banking system that might impact U.S. businesses.
There are eleven insurance companies in The Gambia and most of them are involve in non-life underwriting. There is only one company that is entirely a life underwriter and another that is a composite insurer. The micro-finance sector consists of 66 institutions but classified under several categories: Fiduciary Financial Institutions, Rural Finance Bureaus, Community Finance Bureaus, Micro Savings and Credit Bureaus and the Savings and Credit Associations. The microfinance sector has been identified by the Gambia Government as one of the many instruments crucial in its drive to reduce poverty. The financial sector in The Gambia, though competitive, has room for new institutions and more so new products. With the global trend moving towards universal banking and offshore banking, investments in these areas can enhance The Gambia’s competitiveness internationally.
Tourism
Whilst The Gambia might only be a tiny sliver of a country, there are still a decent number of tourist attractions that are worth visiting. Some of these are historic sites which date back to the slave trade and the country’s colonial heritage. Other attractions are markets and craft centers showcasing The Gambia’s cultural traditions. Visitors can watch demonstrations of woodcarving or browse the colorful batik fabrics that grace market stalls throughout the country. However, for most tourists and holidaymakers, it is the glorious sandy beaches that beckon first.
The beaches and related attractions in The Gambia are one of the main reasons that so many people come to this part of Africa, looking for some sunshine when the weather at home is cold and less reliable. Do bear in mind that if you are planning to wear revealing swimwear, you should try to choose a discreet place if possible, so that you avoid offending local residents.
Place of Attraction
The tiny port city of Banjul, is the capital of The Gambia, in West Africa. It’s located in the southern part of the Gambia River estuary on Saint Mary’s Island, cut off from the mainland by a series of creeks lined with mangroves. This 36-meter tall arch towers over Independence Drive, the road into Banjul. It was built in 1996 to celebrate the military coup on 22 July 1994.
Holidays to The Gambia will provide some great wildlife-spotting opportunities for those who have packed their binoculars. Numerous intriguing nature habitats are dotted around the country, including the Abuko Nature Reserve and Kachikally Crocodile Pool. Green Vervet monkeys are a common sight in hotel grounds, proving you’ll never be too far away from some Gambian wildlife.
There are few places in the world to match the quality of birdwatching in The Gambia; just ask Chris Packham! You can embark on exclusive tours led by the TV presenter or his guide in The Gambia, Malick Suso, ticking off some of the 540 species of bird found in the country.
Chimpanzee Rehabilitation Project; This project forms the beating heart of River Gambia National Park. Comprised of so-called Baboon Island and several smaller islands, this is one of the most important wildlife sites in The Gambia. Despite the main island’s moniker, this place is really the kingdom of chimps – over 100 of the primates live across it and three other islands in four separate communities.
Bijilo Forest Park; This small 51-hectare reserve makes for a lovely escape. A series of well-maintained walking trails (ranging from 900m to 1400m) takes you through lush vegetation, gallery forest, low bush, and grass, towards the dunes. You’ll likely see green vervet, red colobus, and patas monkeys – avoid feeding them, as this only encourages them further.