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A Conceptual Framework for Financial Inclusion and Recent Evidence for Sub-Saharan Africa

In: Enacting Globalization

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  • Michael King

Abstract

Access to formal financial services has the potential to help transform the lives of low-income households through three channels: the smoothing of consumption, investment in human or productive capital and the management of vulnerabilities. However, approximately 80% of the population of 11 sub-Saharan African countries do not have a formal bank account, and as a result are deemed financially excluded. This chapter uses consumer choice theory to develop a conceptual framework to help identify constraints to financial inclusion, and presents recent empirical evidence from the FinScope surveys to comparatively assess financial inclusion in sub-Saharan Africa.

Suggested Citation

  • Michael King, 2014. "A Conceptual Framework for Financial Inclusion and Recent Evidence for Sub-Saharan Africa," Palgrave Macmillan Books, in: Louis Brennan (ed.), Enacting Globalization, chapter 3, pages 20-32, Palgrave Macmillan.
    • Handle: RePEc:pal:palchp:978-1-137-36194-3_3
    DOI: 10.1057/9781137361943_3
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    Cited by:

    1. J. Birkenmaier & Q. Fu, 2019. "Does U.S. Household Financial Access Mediate the Relationship Between a Large Income Drop and Credit Record?," Journal of Consumer Policy, Springer, vol. 42(2), pages 267-283, June.

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