| 来源类型 | Discussion paper
|
| 规范类型 | 论文
|
| 来源ID | DP9840
|
| 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
|
| URL | https://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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