Financial Access and Household Welfare
No hay miniatura disponible
Fecha
Título de la revista
ISSN de la revista
Título del volumen
Editor
World Bank, Washington, DC
Resumen
Descripción
This paper evaluates the impact of
access to credit from banks and other financial institutions
on household welfare in Mauritania. Micro-level data from a
2014 household survey are used to evaluate the relationship
between credit access, a range of household characteristics,
and welfare indicators. To address potential endogeneity
issues, the household isolation level is used to instrument
access to credit. The results show that households headed by
older, more educated people are more likely to access
financial services, as are households located in urban
areas. In addition, greater financial access appears to be
associated with a reduced dependence on household production
and increased investment in human capital.
Palabras clave
EMPOWERMENT, CREDIT PROGRAM, DEPOSIT, FINANCIAL SERVICES, BORROWER, ECONOMIC GROWTH, DEPOSITS, PEOPLE, DEMAND FOR CREDIT, ADVANCED DEGREES, FINANCING, VILLAGE, INFORMATION TECHNOLOGY, BANKING INDUSTRY, INTEREST, LIQUIDITY RISKS, SAVINGS ACCOUNTS, BANKING SYSTEM, INSURANCE SERVICES, CULTURAL BARRIERS, BANKING SERVICES, EXCLUSION, WELFARE, LOAN, AGRICULTURAL ECONOMICS, BORROWERS, CREDIT CARD, RURAL FINANCIAL SERVICES, PAYMENTS, CULTURAL NORMS, CREDITORS, INTERNATIONAL BANK, MFIS, RURAL BANKS, FORMAL BANKING, MICROFINANCE INSTITUTIONS, PUBLIC CREDIT, ACCESS TO FINANCIAL SERVICES, SMALL BUSINESS, SAVINGS, FINANCIAL INSTITUTION, INFORMAL ECONOMY, EDUCATIONAL ATTAINMENT, ACCESS TO FORMAL CREDIT, CAPITAL FORMATION, INFORMAL FINANCE, VULNERABLE HOUSEHOLDS, CREDIT APPLICATIONS, INTEREST RATES, ECONOMIC EMPOWERMENT, PAYMENT, FINANCIAL INSTITUTIONS, TRANSPORTATION SERVICE, HOUSEHOLD INCOME, FINANCIAL PRODUCTS, LENDERS, LAND OWNERSHIP, LOANS, ENTERPRISES, VILLAGE FUND, BANK CREDIT, FINANCIAL SYSTEM, FINANCE, EDUCATION SPENDING, BANKS, INFORMATION ASYMMETRY, INVESTMENT DECISIONS, EXPENDITURE, EQUITY, FORMAL FINANCIAL INSTITUTION, INDICATORS OF ACCESS, HUMAN CAPITAL, CAPITAL, FINANCE ACCESS, CREDIT PROVIDERS, STUDENT, FAMILY, ACCESS TO FINANCE, CREDIT ACCESS, GENDER, BANK, CREDIT, URBAN AREAS, HOUSEHOLD, AGRICULTURAL SECTOR, URBAN AREA, EDUCATION LEVEL, EXPENDITURES, CREDIT INFORMATION, SOURCE OF INFORMATION, MISREPORTING, FINANCIAL ACCESS, DIVERSIFICATION, SOLVENCY, MICROCREDIT, FINANCIAL INFRASTRUCTURE, PROFITABILITY, ACCESS TO CREDIT, MICROFINANCE, ECONOMIC DEVELOPMENT, FINANCIAL SECTOR ASSESSMENT, SOCIAL BANKING, SECURITY, FINANCIAL DEVELOPMENT, INVESTMENT, FINANCIAL INTERMEDIATION, COMMERCIAL BANKS, HOUSEHOLDS, ELECTRONIC PAYMENT, ACCESS TO SERVICES, EMPLOYEE, HEAD OF HOUSEHOLD, REVENUE, BORROWING, HOUSEHOLD WELFARE, LACK OF INFORMATION, WOMEN, BANK BRANCHES, INFORMAL FINANCING, CREDIT HISTORY, FORMAL CREDIT, TRANSPORTATION SERVICES, MONEY TRANSFERS, SMALL BUSINESSES, CREDIT APPLICATION, CREDIT MARKET, INEQUALITY, MFI, EMPLOYEES