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Bank Competition and Financial Inclusion: Evidence from Ghana

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  • Vera Fiador, Agyapomaa Gyeke-Dako
  • Agbloyor Elikplimi Komla
  • Abor Joshua Yindenaba

Abstract

This paper investigates how banking sector competition, measured from the consumer's perspective as well as from financial intermediary pricing behaviour, affects financial inclusion in a developing country like Ghana. Financial inclusion in Ghana has remained low, leading us to examine if competition within banks (who happen to be the largest financial institutions) promotes financial inclusion. This paper measures competition using two indicators: the consumer-level measure of competition relating to the proliferation of bank branches, and a measure for banking sector competition using the funding-adjusted Lerner index

Suggested Citation

  • Vera Fiador, Agyapomaa Gyeke-Dako & Agbloyor Elikplimi Komla & Abor Joshua Yindenaba, 2021. "Bank Competition and Financial Inclusion: Evidence from Ghana," Working Papers 73965efe-b9aa-4bc3-ad92-6, African Economic Research Consortium.
    • Handle: RePEc:aer:wpaper:73965efe-b9aa-4bc3-ad92-6636353f0ee0
    Note: African Economic Research Consortium
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