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Banking the World: Empirical Foundations of Financial Inclusion

Editor

Listed:
  • Cull, Robert
    (World Bank’s Development Research Group)

Abstract

About 2.5 billion adults, just over half the world’s adult population, lack bank accounts. If we are to realize the goal of extending banking and other financial services to this vast “unbanked” population, we need to consider not only such product innovations as microfinance and mobile banking but also issues of data accuracy, impact assessment, risk mitigation, technology adaptation, financial literacy, and local context. In Banking the World, experts take up these topics, reporting on new research that will guide both policy makers and scholars in a broader push to extend financial markets. The contributors consider such topics as the complexity of surveying people about their use of financial services; evidence of the impact of financial services on income; the occasional negative effects of financial services on poor households, including disincentives to work and overindebtedness; and tools for improving access such as nontraditional credit scores, financial incentives for banking, and identification technologies that can dramatically reduce loan default rates.

Suggested Citation

  • Cull, Robert (ed.), 2013. "Banking the World: Empirical Foundations of Financial Inclusion," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262018425, December.
    • Handle: RePEc:mtp:titles:0262018425
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    Citations

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    Cited by:

    1. Anaïs Périlleux & Annabel Vanroose & Bert D'Espallier, 2016. "Are Financial Cooperatives Crowded out by Commercial Banks in the Process of Financial Sector Development?," Kyklos, Wiley Blackwell, vol. 69(1), pages 108-134, February.
    2. Mukta Mani, 2016. "Financial Inclusion in South Asia—Relative Standing, Challenges and Initiatives," South Asian Survey, , vol. 23(2), pages 158-179, September.
    3. R. Øystein Strøm & Bert D’Espallier & Roy Mersland, 2023. "Female Leaders and Financial Inclusion: Evidence from Microfinance Institutions," Review of Corporate Finance, now publishers, vol. 3(1-2), pages 69-97, May.
    4. Lay, Sok Heng, 2018. "Mobile Phones and Financial Access: Evidence from the Finscope Surveys of Selected Asian Countries," MPRA Paper 87216, University Library of Munich, Germany, revised 30 May 2018.
    5. Fan Liu & Barnabé Walheer, 2022. "Financial inclusion, financial technology, and economic development: a composite index approach," Empirical Economics, Springer, vol. 63(3), pages 1457-1487, September.
    6. Asli Demirguc-Kunt & Leora Klapper, 2013. "Measuring Financial Inclusion: Explaining Variation in Use of Financial Services across and within Countries," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 46(1 (Spring), pages 279-340.
    7. Laura Marcela Capera Romero, 2021. "The Effects of Usury Ceilings on Consumers Welfare: Evidence from the Microcredit Market in Colombia," Tinbergen Institute Discussion Papers 21-055/IV, Tinbergen Institute.
    8. Prof dr Erik Stam & Felix Meier zu Selhausen, MSc MA, 2014. "Husbands and Wives. The powers and perils of participation in a microfinance cooperative for female entrepreneurs," Working Papers 2014/20, Maastricht School of Management.
    9. M. Ali Choudhary & Anil K. Jain, 2022. "Credit access and relational contracts: An experiment testing informational and contractual frictions for Pakistani farmers," International Finance Discussion Papers 2022, Board of Governors of the Federal Reserve System (U.S.).
    10. Maren Duvendack & Philip Mader, 2020. "Impact Of Financial Inclusion In Low‐ And Middle‐Income Countries: A Systematic Review Of Reviews," Journal of Economic Surveys, Wiley Blackwell, vol. 34(3), pages 594-629, July.
    11. Meier zu Selhausen, Felix, 2016. "Women's empowerment in Uganda: colonial roots and contemporary efforts, 1894-2012," Economics PhD Theses 0715, Department of Economics, University of Sussex Business School.
    12. Maren Duvendack & Philip Mader, 2018. "PROTOCOL: Impact of financial inclusion in low‐ and middle‐income countries: a systematic review of reviews," Campbell Systematic Reviews, John Wiley & Sons, vol. 14(1), pages 1-58.
    13. US Thathsarani & Jianguo Wei & GRSRC Samaraweera, 2021. "Financial Inclusion’s Role in Economic Growth and Human Capital in South Asia: An Econometric Approach," Sustainability, MDPI, vol. 13(8), pages 1-18, April.
    14. Güneş A. Aşık, 2018. "Overlooked benefits of consumer credit growth: impact on formal employment," IZA Journal of Labor Policy, Springer;Forschungsinstitut zur Zukunft der Arbeit GmbH (IZA), vol. 7(1), pages 1-35, December.
    15. Ozili, Peterson K, 2020. "Theories of financial inclusion," MPRA Paper 101810, University Library of Munich, Germany.
    16. Ozili, Peterson K, 2020. "Financial inclusion and Fintech during COVID-19 crisis: Policy solutions," MPRA Paper 111219, University Library of Munich, Germany.

    More about this item

    Keywords

    trade; development; business economics; finance;
    All these keywords.

    JEL classification:

    • M2 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Economics
    • G0 - Financial Economics - - General
    • O1 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development

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