Financial Access and Household Welfare

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dc.creatorAmendola, Alessandra
dc.creatorBoccia, Marinella
dc.creatorSensini, Luca
dc.creatorMele, Gianluca
dc.date2016-01-12T22:41:28Z
dc.date2016-01-12T22:41:28Z
dc.date2016-01
dc.date.accessioned2026-07-01T00:49:51Z
dc.descriptionThis 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.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2016/01/25763476/financial-access-household-welfare-evidence-mauritania
dc.identifierhttps://hdl.handle.net/10986/23633
dc.identifier10.1596/1813-9450-7533
dc.identifier.urihttp://hdl.handle.net/123456789/411656
dc.languageEnglish
dc.languageen_US
dc.publisherWorld Bank, Washington, DC
dc.relationPolicy Research Working Paper;No. 7533
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectEMPOWERMENT
dc.subjectCREDIT PROGRAM
dc.subjectDEPOSIT
dc.subjectFINANCIAL SERVICES
dc.subjectBORROWER
dc.subjectECONOMIC GROWTH
dc.subjectDEPOSITS
dc.subjectPEOPLE
dc.subjectDEMAND FOR CREDIT
dc.subjectADVANCED DEGREES
dc.subjectFINANCING
dc.subjectVILLAGE
dc.subjectINFORMATION TECHNOLOGY
dc.subjectBANKING INDUSTRY
dc.subjectINTEREST
dc.subjectLIQUIDITY RISKS
dc.subjectSAVINGS ACCOUNTS
dc.subjectBANKING SYSTEM
dc.subjectINSURANCE SERVICES
dc.subjectCULTURAL BARRIERS
dc.subjectBANKING SERVICES
dc.subjectEXCLUSION
dc.subjectWELFARE
dc.subjectLOAN
dc.subjectAGRICULTURAL ECONOMICS
dc.subjectBORROWERS
dc.subjectCREDIT CARD
dc.subjectRURAL FINANCIAL SERVICES
dc.subjectPAYMENTS
dc.subjectCULTURAL NORMS
dc.subjectCREDITORS
dc.subjectINTERNATIONAL BANK
dc.subjectMFIS
dc.subjectRURAL BANKS
dc.subjectFORMAL BANKING
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectPUBLIC CREDIT
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectSMALL BUSINESS
dc.subjectSAVINGS
dc.subjectFINANCIAL INSTITUTION
dc.subjectINFORMAL ECONOMY
dc.subjectEDUCATIONAL ATTAINMENT
dc.subjectACCESS TO FORMAL CREDIT
dc.subjectCAPITAL FORMATION
dc.subjectINFORMAL FINANCE
dc.subjectVULNERABLE HOUSEHOLDS
dc.subjectCREDIT APPLICATIONS
dc.subjectINTEREST RATES
dc.subjectECONOMIC EMPOWERMENT
dc.subjectPAYMENT
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectTRANSPORTATION SERVICE
dc.subjectHOUSEHOLD INCOME
dc.subjectFINANCIAL PRODUCTS
dc.subjectLENDERS
dc.subjectLAND OWNERSHIP
dc.subjectLOANS
dc.subjectENTERPRISES
dc.subjectVILLAGE FUND
dc.subjectBANK CREDIT
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCE
dc.subjectEDUCATION SPENDING
dc.subjectBANKS
dc.subjectINFORMATION ASYMMETRY
dc.subjectINVESTMENT DECISIONS
dc.subjectEXPENDITURE
dc.subjectEQUITY
dc.subjectFORMAL FINANCIAL INSTITUTION
dc.subjectINDICATORS OF ACCESS
dc.subjectHUMAN CAPITAL
dc.subjectCAPITAL
dc.subjectFINANCE ACCESS
dc.subjectCREDIT PROVIDERS
dc.subjectSTUDENT
dc.subjectFAMILY
dc.subjectACCESS TO FINANCE
dc.subjectCREDIT ACCESS
dc.subjectGENDER
dc.subjectBANK
dc.subjectCREDIT
dc.subjectURBAN AREAS
dc.subjectHOUSEHOLD
dc.subjectAGRICULTURAL SECTOR
dc.subjectURBAN AREA
dc.subjectEDUCATION LEVEL
dc.subjectEXPENDITURES
dc.subjectCREDIT INFORMATION
dc.subjectSOURCE OF INFORMATION
dc.subjectMISREPORTING
dc.subjectFINANCIAL ACCESS
dc.subjectDIVERSIFICATION
dc.subjectSOLVENCY
dc.subjectMICROCREDIT
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectPROFITABILITY
dc.subjectACCESS TO CREDIT
dc.subjectMICROFINANCE
dc.subjectECONOMIC DEVELOPMENT
dc.subjectFINANCIAL SECTOR ASSESSMENT
dc.subjectSOCIAL BANKING
dc.subjectSECURITY
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectINVESTMENT
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectCOMMERCIAL BANKS
dc.subjectHOUSEHOLDS
dc.subjectELECTRONIC PAYMENT
dc.subjectACCESS TO SERVICES
dc.subjectEMPLOYEE
dc.subjectHEAD OF HOUSEHOLD
dc.subjectREVENUE
dc.subjectBORROWING
dc.subjectHOUSEHOLD WELFARE
dc.subjectLACK OF INFORMATION
dc.subjectWOMEN
dc.subjectBANK BRANCHES
dc.subjectINFORMAL FINANCING
dc.subjectCREDIT HISTORY
dc.subjectFORMAL CREDIT
dc.subjectTRANSPORTATION SERVICES
dc.subjectMONEY TRANSFERS
dc.subjectSMALL BUSINESSES
dc.subjectCREDIT APPLICATION
dc.subjectCREDIT MARKET
dc.subjectINEQUALITY
dc.subjectMFI
dc.subjectEMPLOYEES
dc.titleFinancial Access and Household Welfare
dc.titleEvidence from Mauritania
dc.typeWorking Paper
dc.typeDocument de travail
dc.typeDocumento de trabajo

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