What Can We Learn about Financial Access from U.S. Immigrants? The Role of Country of Origin Institutions and Immigrant Beliefs

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dc.creatorOsili, Una Okonkwo
dc.creatorPaulson, Anna
dc.date2012-03-30T07:12:37Z
dc.date2012-03-30T07:12:37Z
dc.date2008-12-01
dc.date.accessioned2026-07-01T00:59:57Z
dc.descriptionImmigrants from countries with more effective institutions are more likely than other immigrants to have a relationship with a bank and to use formal financial markets more extensively. The evidence that a country's institutional environment shapes beliefs—and by extension the use of financial services—provides support for policies that focus on institutional reforms in promoting financial access. After holding wealth, education, and other factors constant, the impact of institutional quality in the country of origin affects the financial market participation of all immigrant groups except those who have lived in the United States for more than 28 years. These findings are robust to alternative measures of institutional effectiveness, to controlling for additional country of origin characteristics, and to various methods for addressing potential biases caused by immigrant self-selection.
dc.formatapplication/pdf
dc.identifierWorld Bank Economic Review
dc.identifier1564-698X
dc.identifierhttps://hdl.handle.net/10986/4487
dc.identifierhttps://doi.org/10.1596/4487
dc.identifier.urihttp://hdl.handle.net/123456789/414045
dc.publisherWorld Bank
dc.relationWorld Bank Economic Review
dc.rightsCC BY-NC-ND 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by-nc-nd/3.0/igo
dc.rightsWorld Bank
dc.subjectbiases
dc.subjectchecking account
dc.subjectfinancial access
dc.subjectfinancial market
dc.subjectfinancial services
dc.subjectformal financial markets
dc.subjecthouseholds
dc.subjectinstitutional reforms
dc.subjectsavings
dc.subjectstock markets
dc.titleWhat Can We Learn about Financial Access from U.S. Immigrants? The Role of Country of Origin Institutions and Immigrant Beliefs
dc.typeJournal Article
dc.typeArticle de journal
dc.typeArtículo de revista

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