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Access to financial services and the financial inclusion agenda around the world : a cross-country analysis with a new data set

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Author Info

  • Ardic, Oya Pinar
  • Heimann, Maximilien
  • Mylenko, Nataliya

Abstract

Recent empirical evidence highlights that access to basic financial services can make a substantial positive difference in improving poor people's lives. Accordingly, financial sector reforms that promote financial inclusion are increasingly at the core of policymakers’ agendas. The Consultative Group to Assist the Poor and the World Bank Group, in response, launched the Financial Access project, including a cross-country database on financial inclusion topics and an annual report to inform the policy debate. Using this database, this paper (i) counts the number of unbanked adults around the world at 56 percent, (ii) analyzes the state of access to deposit and loan services as well as the extent of retail networks, and (iii) discusses the state of financial inclusion mandates around the world.

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Bibliographic Info

Paper provided by The World Bank in its series Policy Research Working Paper Series with number 5537.

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Date of creation: 01 Jan 2011
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Handle: RePEc:wbk:wbrwps:5537

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Related research

Keywords: Access to Finance; Financial Literacy; Banks&Banking Reform; Debt Markets; Emerging Markets;

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References

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  1. Claessens, Stijn, 2006. "Access to financial services: a review of the issues and public policy objectives," Journal of Financial Transformation, Capco Institute, vol. 17, pages 16-19.
  2. Beck, T.H.L. & Demirgüc-Kunt, A. & Martinez Peria, M., 2008. "Banking services for everyone? Barriers to bank access and use around the world," Open Access publications from Tilburg University urn:nbn:nl:ui:12-3159645, Tilburg University.
  3. Schiffer, M. & Weder, B., 2001. "Firm Size and the Business Environment: Worldwide Survey Results," Papers 43, World Bank - International Finance Corporation.
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  5. Beck, H.T.L. & Demirgüç-Kunt , A. & Peria, M.M, 2007. "Reaching out: Access to and use of banking services across countries," Open Access publications from Tilburg University urn:nbn:nl:ui:12-3125425, Tilburg University.
  6. Demirgüç-Kunt, A. & Beck, T.H.L. & Honohan, P., 2008. "Finance for all?: Policies and pitfalls in expanding access," Open Access publications from Tilburg University urn:nbn:nl:ui:12-3508393, Tilburg University.
  7. Thorsten Beck, 2004. "The determinants of financing obstacles," Policy Research Working Paper Series 3204, The World Bank.
  8. Beck, T.H.L. & Demirgüç-Kunt, A. & Maksimovic, V., 2005. "Financial and legal constraints to firm growth: Does firm size matter?," Open Access publications from Tilburg University urn:nbn:nl:ui:12-3125505, Tilburg University.
  9. Beck, T.H.L. & Demirgüç-Kunt, A. & Levine, R., 2007. "Finance, inequality and the poor," Open Access publications from Tilburg University urn:nbn:nl:ui:12-3125426, Tilburg University.
  10. Kendall, Jake & Mylenko, Nataliya & Ponce, Alejandro, 2010. "Measuring financial access around the world," Policy Research Working Paper Series 5253, The World Bank.
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  12. Consultative Group to Assist the Poor, 2009. "Financial Access 2009 : Measuring Access to Financial Services around the World," World Bank Other Operational Studies 12843, The World Bank.
  13. repec:idb:brikps:8433 is not listed on IDEAS
  14. Caskey & John P. & Duran, Clemente Ruiz & Solo, Tova Maria, 2006. "The urban unbanked in Mexico and the United States," Policy Research Working Paper Series 3835, The World Bank.
  15. Klapper, Leora & Laeven, Luc & Rajan, Raghuram, 2006. "Entry regulation as a barrier to entrepreneurship," Journal of Financial Economics, Elsevier, vol. 82(3), pages 591-629, December.
  16. Honohan, Patrick, 2008. "Cross-country variation in household access to financial services," Journal of Banking & Finance, Elsevier, vol. 32(11), pages 2493-2500, November.
  17. Robert Cressy, 2002. "Introduction: Funding Gaps," Economic Journal, Royal Economic Society, vol. 112(477), pages F1-F16, February.
  18. Demirguc-Kunt, Asli & Huizinga, Harry, 1998. "Determinants of commercial bank interest margins and profitability : some international evidence," Policy Research Working Paper Series 1900, The World Bank.
  19. King, Robert G. & Levine, Ross, 1993. "Finance, entrepreneurship and growth: Theory and evidence," Journal of Monetary Economics, Elsevier, vol. 32(3), pages 513-542, December.
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Citations

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Cited by:
  1. Ardic, Oya Pinar & Ibrahim, Joyce A. & Mylenko, Nataliya, 2011. "Consumer protection laws and regulations in deposit and loan services : a cross-country analysis with a new data set," Policy Research Working Paper Series 5536, The World Bank.
  2. Aggarwal, Shilpa & Klapper, Leora & Singer, Dorothe, 2012. "Financing businesses in Africa : the role of microfinance," Policy Research Working Paper Series 5975, The World Bank.
  3. César Manuel Zulaica Piñeyro, 2013. "Financial Inclusion Index: Proposal Of A Multidimensional Measure For Mexico," Remef - The Mexican Journal of Economics and Finance, Instituto Mexicano de Ejecutivos de Finanzas. Remef, October.

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