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Access to Finance: An Unfinished Agenda

Thorsten Beck and Asli Demirgüç-Kunt.

in The World Bank Economic Review

October 2008; p ublished online November 2008 .

Journal Article. Subjects: Financial Institutions and Services; Banking; Economic Development. 5523 words.

Recent data compilations show that many poor and nonpoor people in many developing countries face a high degree of financial exclusion and high barriers in access to finance. Theory and...

Access to Financial Services: Measurement, Impact, and Policies

Thorsten Beck, Asli Demirgüç-Kunt and Patrick Honohan.

in The World Bank Research Observer

February 2009; p ublished online February 2009 .

Journal Article. Subjects: Microeconomics; Financial Institutions and Services; Banking; Economic Development. 9503 words.

In many developing countries less than half the population has access to formal financial services, and in most of Africa less than one in five households has access. Lack of access to...

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Bank size or distance: what hampers innovation adoption by SMEs?

Pietro Alessandrini, Andrea F. Presbitero and Alberto Zazzaro.

in Journal of Economic Geography

November 2010; p ublished online December 2009 .

Journal Article. Subjects: Technological Change; Research and Development; Mergers and Acquisitions; Regional Government Analysis; Banking. 17437 words.

A growing body of research is focusing on banking organizational issues, emphasizing the difficulties encountered by the hierarchically organized banks in lending informationally opaque...

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Banking Services for Everyone? Barriers to Bank Access and Use around the World

Thorsten Beck, Asli Demirgüç-Kunt and Maria Soledad Martinez Peria.

in The World Bank Economic Review

October 2008; p ublished online November 2008 .

Journal Article. Subjects: Financial Institutions and Services; Banking; Economic Development. 10366 words.

Information from 209 banks in 62 countries is used to develop new indicators of barriers to banking services around the world, show their correlation with measures of outreach, and explore...

Banks, regional development disparity and growth: evidence from Turkey

Zeynep Önder and Süheyla Özyıldırım.

in Cambridge Journal of Economics

November 2010; p ublished online December 2009 .

Journal Article. Subjects: Banking; Economic Development. 9358 words.

In this paper, we analyse the impact of credits provided by banks on provincial growth in Turkey, where state-owned banks have an implicit role of reducing disparity by allocating loans in...

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A behavioral model of simultaneous borrowing and saving

Karna Basu.

in Oxford Economic Papers

October 2016; p ublished online May 2016 .

Journal Article. Subjects: Intertemporal Choice and Growth; Banking; Economic Development. 3304 words.

Why do individuals borrow and save at the same time? This paper proposes a new explanation in settings where savings are not secure. A sophisticated hyperbolic discounter who foresees an...

Competitive microcredit markets: differentiation and ex ante incentives for multiple borrowing

Paolo Casini.

in Oxford Economic Papers

October 2015; p ublished online July 2015 .

Journal Article. Subjects: Nonprofit Organizations and Public Enterprise; Banking; Economic Development; Market Structure, Firm Strategy, and Market Performance. 9162 words.

I analyse an oligopolistic microcredit market characterized by asymmetric information on the riskiness of borrowers. I study the effects of competition when, due to the absence of credit...

Does a Picture Paint a Thousand Words? Evidence from a Microcredit Marketing Experiment

Xavier Giné, Ghazala Mansuri and Mario Picón.

in The World Bank Economic Review

October 2011; p ublished online July 2011 .

Journal Article. Subjects: Banking; Production and Organizations; Information, Knowledge, and Uncertainy; Economic Development. 10995 words.

Female entrepreneurship is low in many developing economies partly due to constraints on women's time and mobility, often reinforced by social norms. We analyze a marketing experiment...

Does Microfinance Reduce Rural Poverty? Evidence Based on Household Panel Data from Northern Ethiopia

Guush Berhane and Cornelis Gardebroek.

in American Journal of Agricultural Economics

January 2011; p ublished online January 2011 .

Journal Article. Subjects: Welfare and Poverty; Single Equation Models; Single Variables; Banking; Economic Development. 7425 words.

Evidence on the long-term impacts of microfinance credit is scarce. We use a unique four-round panel dataset on farm households in northern Ethiopia that had access to microfinance,...

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The Economic Effects of a Borrower Bailout: Evidence from an Emerging Market

Xavier Giné and Martin Kanz.

in The Review of Financial Studies

May 2018; p ublished online July 2017 .

Journal Article. Subjects: Banking; Financial Regulation; Economic Development; Development Planning and Policy. 14699 words.

Abstract

We study the credit market impact and real effects of one of the largest borrower bailouts in history, enacted by the government of India against the...

The fat years: the structure and profitability of the US banking sector in the pre-crisis period

Fiona Tregenna.

in Cambridge Journal of Economics

July 2009; p ublished online July 2009 .

Journal Article. Subjects: Mergers and Acquisitions; Economic Development; Banking; Market Structure, Firm Strategy, and Market Performance; Market Structure and Pricing. 10012 words.

Bank profitability in the USA was extremely high in the pre-crisis period, yet this did not prevent the current crisis. It has become clear that these profits were on shaky grounds and also...

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Finance, Comparative Advantage, and Resource Allocation

Melise Jaud, Madina Kukenova and Martin Strieborny.

in Review of Finance

May 2018; p ublished online October 2017 .

Journal Article. Subjects: Banking; Corporate Governance; International Trade; Economic Development. 23468 words.

Abstract

Can financial institutions and markets enhance the discipline imposed by competitive product markets and thus improve resource allocation in the real...

Financial Services and Economic Development in Africa

Mthuli Ncube.

in Journal of African Economies

November 2007; p ublished online November 2007 .

Journal Article. Subjects: Banking; Financial Regulation; Economic Development; Economic Growth and Aggregate Productivity. 9816 words.

This paper reviews the various ways in which the financial sector could impact on economic growth and development and in the process makes reference to some theoretical underpinnings. We...

Financialisation varied: a comparative analysis of advanced economies

Costas Lapavitsas and Jeff Powell.

in Cambridge Journal of Regions, Economy and Society

November 2013; p ublished online August 2013 .

Journal Article. Subjects: Economywide Country Studies; Banking; Capitalist Systems; Economic Methodology. 9841 words.

Financialisation remains an unclear term in social science. We deploy a Marxist framework to establish that financialisation represents a structural transformation of advanced capitalist...

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Financing from Family and Friends

Samuel Lee and Petra Persson.

in The Review of Financial Studies

September 2016; p ublished online May 2016 .

Journal Article. Subjects: Corporate Governance; Banking; Economic Development; Household Behaviour and Family Economics; Welfare Economics. 19816 words.

Most informal finance comes from family and friends. Existing informal finance theories cannot match two characteristics of family finance: family investors may accept below-market or even...

Formal versus Informal Finance: Evidence from China

Meghana Ayyagari, Asli Demirgüç-Kunt and Vojislav Maksimovic.

in The Review of Financial Studies

August 2010; p ublished online May 2010 .

Journal Article. Subjects: Banking; Corporate Governance; Economic Development. 23511 words.

The fast growth of Chinese private sector firms is taken as evidence that informal finance can facilitate firm growth better than formal banks in developing countries. We examine firm...

Getting Credit to High Return Microentrepreneurs: The Results of an Information Intervention

Suresh de Mel, David McKenzie and Christopher Woodruff.

in The World Bank Economic Review

October 2011; p ublished online May 2011 .

Journal Article. Subjects: Banking; Production and Organizations; Information, Knowledge, and Uncertainy; Economic Development. 11981 words.

Small-scale entrepreneurs typically cite access to finance as the most important constraint to growth. Recent randomized experiments have shown the return to capital to be very high for the...

How do Russian depositors discipline their banks? Evidence of a backward bending deposit supply function

Alexei Karas, William Pyle and Koen Schoors.

in Oxford Economic Papers

January 2010; p ublished online April 2009 .

Journal Article. Subjects: Banking; Socialist Systems and Transitional Economies; Economic Development. 10512 words.

Using a database from post-communist, pre-deposit-insurance Russia, we demonstrate the presence of quantity-based sanctioning of weaker banks by both firms and households. Evidence for the...

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The Impact of the Business Environment on Young Firm Financing

Larry W. Chavis, Leora F. Klapper and Inessa Love.

in The World Bank Economic Review

October 2011; p ublished online September 2011 .

Journal Article. Subjects: Financial Institutions and Services; Banking; Economic Development. 6779 words.

A unique dataset of over 70,000 firms, most of which are small, in over 100 countries, is utilized to systematically study the use of different financing sources for new and young firms....

Improving the availability of trade finance in low-income countries: an assessment of remaining gaps

Marc Auboin.

in Oxford Review of Economic Policy

January 2015; p ublished online December 2015 .

Journal Article. Subjects: International Trade; Corporate Governance; Banking; Economic Development; International Finance. 7184 words.

Conditions in trade finance markets have returned to normality along the main global routes after the global financial crisis of 2008–9. The structural difficulties of poor countries in...