G2TT
来源类型Discussion paper
规范类型论文
来源IDDP9840
DP9840 Improving Access to Banking: Evidence from Kenya
Franklin Allen; Elena Carletti
发表日期2014-02-16
出版年2014
语种英语
摘要Using household surveys and bank penetration data at the district-level in 2006 and 2009, this paper examines the impact of Equity Bank?a leading private commercial bank focusing on microfinance?on the access to banking in Kenya. Unlike other commercial banks in Kenya, Equity Bank pursues distinct branching strategies that target underserved areas and less privileged households. Equity Bank presence has a positive and significant impact on households? use of bank accounts and bank credit, especially for Kenyans with low income, no salaried job and less education, and those that do not own their own home. The findings are robust to using the district-level proportion of people speaking a minority language as an instrument for Equity Bank presence. It appears that Equity Bank?s business model?providing financial services to population segments typically ignored by traditional commercial banks and generating sustainable profits in the process?can be a solution to the financial access problem that has hindered the development of inclusive financial sectors in many African countries.
主题Development Economics ; Financial Economics
关键词Equity bank Bank penetration Bank account Minority language Microfinance
URLhttps://cepr.org/publications/dp9840
来源智库Centre for Economic Policy Research (United Kingdom)
资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/538674
推荐引用方式
GB/T 7714
Franklin Allen,Elena Carletti. DP9840 Improving Access to Banking: Evidence from Kenya. 2014.
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