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A Research on Socio-Economic Determinants of Access to Banking Services

Author

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  • Hasmet SARIGUL

Abstract

Limited or no access to banking services may cause savings gaps, liquidity problems, external financing, costs and returns on issues, money safety problems and informal economy. Many empirical researches reveal that socio-economic and demographic factors are affecting access to banking services.Tthe aim of this study is toinvestigate the socio-economic determinants of access to finance. Panel data regression analysis is used for testing the hypotesis empirically. The empirical results revelaled that there are significant relations between access to finance and socio-economic factors in areas of population density, urbanization rate, gross value added per capita, number of road motor vehicles and electricity consumption.

Suggested Citation

  • Hasmet SARIGUL, 2015. "A Research on Socio-Economic Determinants of Access to Banking Services," Journal of BRSA Banking and Financial Markets, Banking Regulation and Supervision Agency, vol. 9(1), pages 83-102.
    • Handle: RePEc:bdd:journl:v:9:y:2015:i:1:p:83-102
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    More about this item

    Keywords

    Banking Services; Access; Panel Data;
    All these keywords.

    JEL classification:

    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • R12 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - Size and Spatial Distributions of Regional Economic Activity; Interregional Trade (economic geography)
    • R51 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Finance in Urban and Rural Economies

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