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Access to Formal Financial Services: A Cross Country Study

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  • Rigzin Yangdol

    (Jawaharlal Nehru University)

Abstract

The importance of an inclusive financial system in the overall growth and development of an economy is well recognised. This paper empirically analyses the factors affecting access to finance at an individual level making extensive use of latest Global Findex database of World Bank. The paper uses three indicators of financial inclusion and several explanatory variables that include country-specific factor (GDP per capita), individual characteristics and individual economic circumstances of adult individuals from different countries. We find that individual characteristics and economic circumstances like education level, income level, employment, government transfers and saving behaviour are more likely to positively impact financial inclusion indicators than gender, age, payment status and borrowing behaviour of individuals.Length: 20 pages

Suggested Citation

  • Rigzin Yangdol, "undated". "Access to Formal Financial Services: A Cross Country Study," Centre for International Trade and Development, Jawaharlal Nehru University, New Delhi Discussion Papers 17-02, Centre for International Trade and Development, Jawaharlal Nehru University, New Delhi, India.
    • Handle: RePEc:ind:citdwp:17-02
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