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Measuring Financial Access


Measuring Financial Access
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Measuring Financial Access


Measuring Financial Access
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Author : Marco A Espinosa-Vega
language : en
Publisher: International Monetary Fund
Release Date : 2020-05-12

Measuring Financial Access written by Marco A Espinosa-Vega and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-05-12 with Business & Economics categories.


This departmental paper marks the 10th anniversary of the IMF Financial Access Survey (FAS). It offers a retrospective of the FAS database, along with some reflections as to its future directions. Since its 2009 launch, the FAS has provided granular data on access to and use of financial services. It is a supply-side database with annual global coverage based on data sourced directly from financial service providers—aimed at supporting policymakers to target and evaluate financial inclusion policies. Its data collection has kept pace with financial innovation, such as the rise of mobile money and growing demand for gender-disaggregated data—and the FAS must continue to evolve.



Banking The Poor


Banking The Poor
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Author :
language : en
Publisher: World Bank Publications
Release Date : 2009-01-01

Banking The Poor written by and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-01-01 with Business & Economics categories.


Banking the Poor explores level and determinants of financial access in 54 countries, mostly in Africa. It collects information from two sources: central banks and leading commercial banks in each surveyed country. It explores associations between countries' banking policies and practices and their levels of financial access, measured in terms of the numbers of bank account per thousand adults. It builds on the previous work measuring financial access through information from regulators, from banks, and also from users' perspectives in household surveys.



The Global Findex Database 2017


The Global Findex Database 2017
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Author : Asli Demirguc-Kunt
language : en
Publisher: World Bank Publications
Release Date : 2018-04-19

The Global Findex Database 2017 written by Asli Demirguc-Kunt and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-04-19 with Business & Economics categories.


In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.



The Global Findex Database 2017


The Global Findex Database 2017
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Author : Asli Demirgüç-Kunt
language : en
Publisher:
Release Date :

The Global Findex Database 2017 written by Asli Demirgüç-Kunt and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.


The Global Findex database is the world's most comprehensive set of data on how people make payments, save money, borrow and manage risk. Launched in 2011, it includes more than 100 financial inclusion indicators in a format allowing users to compare access to financial services among adults worldwide -- including by gender, age and household income. This third edition of the database was compiled in 2017 using nationally representative surveys in more than 140 developing and high-income countries. The database includes updated indicators on access to and use of formal and informal financial services. It features additional data on Fintech and digital financial services, including the use of mobile phones and internet technology to conduct financial transactions. Global Findex data is utilized to track progress toward the World Bank's goal of Universal Financial Access by 2020 and the United Nation's Sustainable Development Goals. The data also is a source for the G20 Financial Inclusion Indicators and a benchmark for policymakers seeking to expand access to and use of financial services. Lastly, this report discusses opportunities to expand access to financial services among the unbanked, and ways to promote greater use of digital financial services among the underbanked.



Building Inclusive Financial Systems


Building Inclusive Financial Systems
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Author : Michael S. Barr
language : en
Publisher: Rowman & Littlefield
Release Date : 2007-11-01

Building Inclusive Financial Systems written by Michael S. Barr and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007-11-01 with Business & Economics categories.


Broad-based and inclusive financial systems significantly raise growth, alleviate poverty, and expand economic opportunity. Households, small enterprises, and the rural poor often have difficulty obtaining financial services for a multitude of reasons, including transaction costs, perceived risk, inadequate infrastructure, and information barriers. Yet many financial institutions are now making profitable inroads into underserved markets through formal banking, investment in equities, venture capital, postal banks, and microfinance. Access to Finance addresses the challenges of making financial systems more inclusive, emulating successful ventures in new markets, and utilizing technologies and government policies to support the expansion of financial access. The contributors examine many dimensions of financial access, including: • Measuring financial access • Understanding the impact of expanded access • Examining alternative institutional models • Exploring new technologies and information infrastructure • Evaluating government policies toward outreach.



The Global Findex Database 2017


The Global Findex Database 2017
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Author : Asli Demirguc-Kunt
language : en
Publisher:
Release Date : 2018

The Global Findex Database 2017 written by Asli Demirguc-Kunt and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018 with Business & Economics categories.


In 2011 the World Bank--with funding from the Bill and Melinda Gates Foundation--launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account--the unbanked--as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures--along with the questionnaire, the survey methodology, and other relevant materials--are available at www.worldbank.org/globalfindex.



Financial Inclusion In Asia


Financial Inclusion In Asia
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Author : Sasidaran Gopalan
language : en
Publisher: Springer
Release Date : 2016-09-29

Financial Inclusion In Asia written by Sasidaran Gopalan and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-09-29 with Business & Economics categories.


This book brings together a set of analytical and empirical essays aimed at understanding inclusive finance in emerging markets focusing on Asia. Despite the significant policy interest in the issue of financial inclusion in the Asian market, there is a dearth of academic literature on the topic. This book fills this gap by being the first of its kind to address the relevant issues and policy concerns relating to the availability and affordability of financial services in this rapidly emerging geopolitical area. The book features a mixture of empirical and case study oriented essays, informed by data, literature and policy analysis that will be useful for both the academics and the policy makers in the region interested in the subject. Countries highlighted in the essays assessing financial inclusivity include Indonesia, Sri Lanka and India.



Financial Access Under The Microscope


Financial Access Under The Microscope
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Author : Sumit Agarwal
language : en
Publisher: International Monetary Fund
Release Date : 2018-09-28

Financial Access Under The Microscope written by Sumit Agarwal and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-09-28 with Business & Economics categories.


We examine the impact of a large-scale microcredit expansion program on financial access and the transition of previously unbanked borrowers to commercial banks. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. A sizable share of first-time borrowers who need a second loan switch to commercial banks, which cream-skim low-risk borrowers and grant them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already at commercial banks and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a well-functioning credit reference bureau, help mitigate information frictions in credit markets.



Measuring Wealth And Financial Intermediation And Their Links To The Real Economy


Measuring Wealth And Financial Intermediation And Their Links To The Real Economy
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Author : Charles R. Hulten
language : en
Publisher: University of Chicago Press
Release Date : 2015-02-04

Measuring Wealth And Financial Intermediation And Their Links To The Real Economy written by Charles R. Hulten and has been published by University of Chicago Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-02-04 with Business & Economics categories.


More than half a decade has passed since the bursting of the housing bubble and the collapse of Lehman Brothers. In retrospect, what is surprising is that these events and their consequences came as such a surprise. What was it that prevented most of the world from recognizing the impending crisis and, looking ahead, what needs to be done to prevent something similar? Measuring Wealth and Financial Intermediation and Their Links to the Real Economy identifies measurement problems associated with the financial crisis and improvements in measurement that may prevent future crises, taking account of the dynamism of the financial marketplace in which measures that once worked well become misleading. In addition to advances in measuring financial activity, the contributors also investigate the effects of the crisis on households and nonfinancial businesses. They show that households’ experiences varied greatly and some even experienced gains in wealth, while nonfinancial businesses’ lack of access to credit in the recession may have been a more important factor than the effects of policies stimulating demand.



Household Financial Access And Risk Sharing In Nigeria


Household Financial Access And Risk Sharing In Nigeria
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Author : Stacy Carlson
language : en
Publisher: International Monetary Fund
Release Date : 2015-07-22

Household Financial Access And Risk Sharing In Nigeria written by Stacy Carlson and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-07-22 with Business & Economics categories.


We examine the role of household financial access in determining the extent of risksharing in Nigeria using household-level panel data. We estimate changes in the response of consumption to shocks for households with formal and informal access to finance and those without, both for the country as a whole and for different regions. Our findings suggest that households with financial access who experience an unexpected negative income shock see consumption fall by 15 percentage points less than those without access. This result is mainly driven by households with informal financial access, and by household savings rather than borrowing. Regional variation in risk sharing tends to be significant, suggesting that financial inclusion efforts going forward should have a more regional focus.