Measuring Financial Access around the World

Kendall, Jake; Mylenko, Nataliya; Ponce, Alejandro

dc.creator	Kendall, Jake
dc.creator	Mylenko, Nataliya
dc.creator	Ponce, Alejandro
dc.date	2012-03-19T18:38:59Z
dc.date	2012-03-19T18:38:59Z
dc.date	2010-03-01
dc.date.accessioned	2023-02-17T21:02:42Z
dc.date.available	2023-02-17T21:02:42Z
dc.identifier	http://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20100330164126
dc.identifier	http://hdl.handle.net/10986/3741
dc.identifier.uri	http://localhost:8080/xmlui/handle/CUHPOERS/244705
dc.description	This paper introduces a new set of financial access indicators for 139 countries across the globe and describes the results of a preliminary analysis of this data set. The new data set builds on previous work using a similar methodology. The new data set features broader country coverage and greater disaggregation by type of financial product and by type of institution supplying the product -- commercial banks, specialized state run savings and development banks, banks with mutual ownership structure (such as cooperatives), and microfinance institutions. The authors use the data set to conduct a rough estimation of the number of bank accounts in the world (6.2 billion) as well as the number of banked and unbanked individuals. In developed countries, they estimate 3.2 accounts per adult and 81 percent of adults banked. By contrast, in developing countries, they estimate only 0.9 accounts per adult and 28 percent banked. In regression analysis, they find that measures of development and physical infrastructure are positively associated with the indicators of deposit account, loan, and branch penetration.
dc.language	English
dc.relation	Policy Research working paper ; no. WPS 5253
dc.rights	CC BY 3.0 IGO
dc.rights	http://creativecommons.org/licenses/by/3.0/igo/
dc.rights	World Bank
dc.subject	ACCESS POINTS
dc.subject	ACCESS TO CREDIT
dc.subject	ACCESS TO FINANCE
dc.subject	ACCESS TO FINANCIAL SERVICES
dc.subject	ACCOUNT HOLDER
dc.subject	ACCOUNT HOLDERS
dc.subject	ACCOUNT MANAGEMENT
dc.subject	ACCOUNT OWNERSHIP
dc.subject	AGRICULTURE BANKS
dc.subject	AMOUNT OF LOANS
dc.subject	AVERAGE BALANCE
dc.subject	BALANCE SHEETS
dc.subject	BANK ACCESS
dc.subject	BANK ACCOUNT
dc.subject	BANK ACCOUNTS
dc.subject	BANK BRANCH
dc.subject	BANK BRANCHES
dc.subject	BANK DEPOSIT
dc.subject	BANK GOVERNOR
dc.subject	BANK LOANS
dc.subject	BANK MARKETS
dc.subject	BANK POLICY
dc.subject	BANK REGULATION
dc.subject	BANK SUPERVISION
dc.subject	BANKING SECTOR
dc.subject	BANKING SECTOR OUTREACH
dc.subject	BANKING SERVICES
dc.subject	BORROWING
dc.subject	BRANCH BANKING
dc.subject	BRANCH DENSITY
dc.subject	BUSINESS ACTIVITY
dc.subject	BUSINESS LOANS
dc.subject	CENTRAL BANKS
dc.subject	CHECKING ACCOUNT
dc.subject	CHECKS
dc.subject	COLLATERAL
dc.subject	COMMERCIAL BANK
dc.subject	COMMERCIAL BANK BRANCHES
dc.subject	COMMERCIAL BANK LOANS
dc.subject	COMMERCIAL BANKING
dc.subject	COMMERCIAL BANKS
dc.subject	CONSUMER CREDIT
dc.subject	CONSUMER LOAN
dc.subject	CONSUMER LOANS
dc.subject	CONSUMER PROTECTION
dc.subject	CONTRACT ENFORCEMENT
dc.subject	COOPERATIVE BANKS
dc.subject	COOPERATIVES
dc.subject	COUNTRY TO COUNTRY
dc.subject	CREDIT ACCESS
dc.subject	CREDIT INFORMATION
dc.subject	CREDIT MARKET
dc.subject	CREDIT MARKETS
dc.subject	CREDIT UNION
dc.subject	CREDIT UNIONS
dc.subject	CREDITOR
dc.subject	CREDITOR RIGHT
dc.subject	CREDITOR RIGHTS
dc.subject	CUSTOMER BASE
dc.subject	DATA AVAILABILITY
dc.subject	DEBIT CARDS
dc.subject	DEPOSIT
dc.subject	DEPOSIT ACCOUNT
dc.subject	DEPOSIT ACCOUNTS
dc.subject	DEPOSIT INSURANCE
dc.subject	DEPOSIT INSURANCE SCHEMES
dc.subject	DEPOSIT MONEY BANKS
dc.subject	DEPOSIT SERVICE
dc.subject	DEPOSIT SERVICES
dc.subject	DEPOSIT TAKING INSTITUTIONS
dc.subject	DEPOSITS
dc.subject	DEVELOPING COUNTRIES
dc.subject	DEVELOPING COUNTRY
dc.subject	DEVELOPMENT BANK
dc.subject	DEVELOPMENT BANKS
dc.subject	DOMESTIC CREDIT
dc.subject	DOUBLE BOTTOM LINE
dc.subject	DUMMY VARIABLE
dc.subject	EASTERN CARIBBEAN CENTRAL BANK
dc.subject	ECONOMIC CONDITIONS
dc.subject	ECONOMIC DEVELOPMENT
dc.subject	ECONOMIC POLICIES
dc.subject	ECONOMIC STABILITY
dc.subject	EDUCATION SPENDING
dc.subject	EMPLOYMENT
dc.subject	ENTERPRISE CREDIT
dc.subject	EQUAL OPPORTUNITIES
dc.subject	FACTORING
dc.subject	FINANCE COMPANIES
dc.subject	FINANCIAL ACCESS
dc.subject	FINANCIAL ACCESS INDICATORS
dc.subject	FINANCIAL DEVELOPMENT
dc.subject	FINANCIAL EXCLUSION
dc.subject	FINANCIAL INFRASTRUCTURE
dc.subject	FINANCIAL INSTITUTIONS
dc.subject	FINANCIAL INSTRUMENTS
dc.subject	FINANCIAL INTERMEDIATION
dc.subject	FINANCIAL OUTREACH
dc.subject	FINANCIAL PENETRATION
dc.subject	FINANCIAL PRODUCT
dc.subject	FINANCIAL PRODUCTS
dc.subject	FINANCIAL REFORMS
dc.subject	FINANCIAL REGULATOR
dc.subject	FINANCIAL REGULATORS
dc.subject	FINANCIAL SERVICE
dc.subject	FINANCIAL SERVICE PROVIDERS
dc.subject	FINANCIAL STUDIES
dc.subject	FINANCIAL SYSTEM
dc.subject	FINANCIAL SYSTEMS
dc.subject	FORMAL FINANCIAL INSTITUTIONS
dc.subject	FORMAL FINANCIAL SERVICES
dc.subject	FORMAL SAVINGS
dc.subject	FUNGIBLE
dc.subject	GOVERNMENT ACCOUNTS
dc.subject	GOVERNMENT BANKS
dc.subject	GOVERNMENT SAVINGS
dc.subject	GROUP LENDING
dc.subject	HOLDING
dc.subject	HOUSEHOLD DEBT
dc.subject	HOUSEHOLDS
dc.subject	INCOME
dc.subject	INCOME DISTRIBUTION
dc.subject	INCOME INEQUALITY
dc.subject	INCOME STATEMENTS
dc.subject	INDIVIDUAL ACCOUNTS
dc.subject	INDIVIDUAL LOANS
dc.subject	INDIVIDUALS WITH BANK ACCOUNTS
dc.subject	INEQUALITY
dc.subject	INFLATION
dc.subject	INFORMATION INFRASTRUCTURE
dc.subject	INTERNATIONAL BANK
dc.subject	JURISDICTION
dc.subject	LEGAL SYSTEM
dc.subject	LEGAL SYSTEMS
dc.subject	LENDERS
dc.subject	LOAN
dc.subject	LOAN APPLICATION
dc.subject	LOAN PRODUCTS
dc.subject	LOANS TO INDIVIDUALS
dc.subject	MACROECONOMIC MANAGEMENT
dc.subject	MACROECONOMIC STABILITY
dc.subject	MANDATES
dc.subject	MARKET COMPETITION
dc.subject	MARKET SIZE
dc.subject	MFI
dc.subject	MFIS
dc.subject	MICRO-ENTERPRISE
dc.subject	MICRO-ENTERPRISE DEVELOPMENT
dc.subject	MICRO-ENTREPRENEUR
dc.subject	MICRO-LENDING
dc.subject	MICROCREDIT
dc.subject	MICROFINANCE
dc.subject	MICROFINANCE INSTITUTION
dc.subject	MICROFINANCE INSTITUTIONS
dc.subject	MIGRATION
dc.subject	MINIMUM BALANCE
dc.subject	MINISTRIES OF FINANCE
dc.subject	MODERN FINANCIAL SYSTEMS
dc.subject	MORAL HAZARD
dc.subject	NATIONAL SAVINGS
dc.subject	NOMINAL INTEREST RATE
dc.subject	OFFSHORE CENTERS
dc.subject	OFFSHORE FINANCIAL CENTERS
dc.subject	OUTREACH
dc.subject	OUTSTANDING LOANS
dc.subject	OWNERSHIP STRUCTURE
dc.subject	PAYMENT SYSTEMS
dc.subject	PHYSICAL ACCESS
dc.subject	POLITICAL ECONOMY
dc.subject	POLITICAL STABILITY
dc.subject	POOR ACCESS
dc.subject	PORTFOLIOS
dc.subject	POST OFFICES
dc.subject	POSTAL BANKS
dc.subject	PRIVATE CREDIT
dc.subject	PRIVATE FUNDS
dc.subject	PRIVATE SECTOR DEVELOPMENT
dc.subject	PROFITABILITY
dc.subject	PUBLIC FUNDS
dc.subject	REGULATORY AUTHORITIES
dc.subject	REGULATORY BARRIER
dc.subject	REGULATORY FRAMEWORK
dc.subject	REGULATORY POLICIES
dc.subject	REGULATORY REPORTS
dc.subject	REPAYMENT
dc.subject	RETAIL BANKING
dc.subject	RETAIL FINANCIAL INSTITUTIONS
dc.subject	RETURN
dc.subject	RISK MANAGEMENT
dc.subject	RURAL BANKS
dc.subject	SAVINGS
dc.subject	SAVINGS ACCOUNTS
dc.subject	SAVINGS BANKS
dc.subject	SAVINGS RATE
dc.subject	SAVINGS SERVICES
dc.subject	SECURITIES
dc.subject	SETTLEMENT
dc.subject	SETTLEMENT SYSTEMS
dc.subject	SOCIAL BANKING
dc.subject	SUPERVISORY AGENCIES
dc.subject	SUPERVISORY AGENCY
dc.subject	SUPPLY OF CREDIT
dc.subject	TAX
dc.subject	TAX INCENTIVES
dc.subject	TIME DEPOSIT
dc.subject	TRANSACTION
dc.subject	TRANSACTION COSTS
dc.subject	TRANSPARENCY
dc.subject	TRANSPORT
dc.subject	TRANSPORTATION INFRASTRUCTURE
dc.subject	TYPES OF INSTRUMENTS
dc.subject	UNIVERSAL BANKS
dc.subject	WEALTH EFFECT
dc.title	Measuring Financial Access around the World
dc.type	Publications & Research :: Policy Research Working Paper
dc.coverage	The World Region
dc.coverage	The World Region