Banking the Poor : Measuring Banking Access in 54 Economies
Banking the Poor presents new data collected from two sources: central banks, and leading commercial banks in each surveyed country. It explores associations between countries' banking policies and practices, and their levels of financial access measured in terms of the numbers of bank accounts...
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| Format: | Publication |
| Language: | en_US |
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Washington, DC
2013
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| Subjects: | |
| Online Access: | http://hdl.handle.net/10986/13804 |
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okr-10986-13804 |
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| recordtype |
oai_dc |
| repository_type |
Digital Repository |
| institution_category |
Foreign Institution |
| institution |
Digital Repositories |
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World Bank Open Knowledge Repository |
| collection |
World Bank |
| language |
en_US |
| topic |
Access to account access to banking access to banking services access to credit access to finance accessibility account holders account maintenance Accountability accounting application procedures asset accumulation ATM card ATM cards ATM networks ATM withdrawals average balance balance inquiries Balance inquiry balance sheet bank access bank account bank accounts bank assets bank branch bank branches bank credit bank customer bank customers bank fees Bank of Tanzania bank services banking fees banking industry banking sector banking service banking services Banks barrier Bribes business capital business loan business plans capital loans cash payments Cash withdrawals casual workers central banks checking checking account checking accounts clearing systems client bases collateral Commercial Bank commercial banks consumer goods consumer protection consumer protection laws Copyright Clearance Copyright Clearance Center credit application credit card credit cards credit constraints credit information credit union credit-scoring creditors credits customer services debit card debit cards debt deposit deposit accounts depositors deposits developing countries Development Bank discrimination diversification documentation requirement documentation requirements earnings economies of scale electronic banking electronic payment electronic payments electronic transfer Electronic Transfer Account electronic transfer accounts electronic transfers employer employment growth entrepreneur entrepreneurs expenditure expenditures families financial access financial development financial education financial flows financial literacy financial performance Financial Services Financial Services industry financial statements financial support fixed cost fixed costs foreign banks formal banking formal banking system Formal banks formal financial institutions formal savings Good credit group lending Guarantee scheme home country household income households Housing husband husbands ID identity document identity documents IDs illiteracy inactive accounts income categories income groups incomes individual accounts informal borrowing Informal savings insurance International Bank Job creation job security legislation levels of access liquidity loan loan amount loan application loan application procedures loan applications loan processes marginal costs market penetration merchants microcredit Microfinance microfinance institutions Migrant workers minimum balance minimum balances minimum wage mobile banking money laundering money orders Money transfer money transfers new entrants overdraft payment cards payment services payment system payment systems payments infrastructure payments systems penalties pension personal savings point-of-sale point-of-sale terminals poor clients POOR Credit portfolio Post Office Post Office Savings Post Office Savings Bank post offices Postal banks postal savings Private credit private savings purchasing power real assets receipt receipts regulators regulatory authorities remittance remittances Remote banking retirement rural banking savings savings account savings accounts savings banks savings groups savings plans savings product savings products savings programs savings schemes savings services securities small borrowers small enterprises small loans Social Development social welfare special savings State Bank subsidiaries subsidiary tax tax incentives tellers Time deposits transparency transport Treasury unemployment Union urban areas Vulnerable Groups working capital World Development Indicators |
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Access to account access to banking access to banking services access to credit access to finance accessibility account holders account maintenance Accountability accounting application procedures asset accumulation ATM card ATM cards ATM networks ATM withdrawals average balance balance inquiries Balance inquiry balance sheet bank access bank account bank accounts bank assets bank branch bank branches bank credit bank customer bank customers bank fees Bank of Tanzania bank services banking fees banking industry banking sector banking service banking services Banks barrier Bribes business capital business loan business plans capital loans cash payments Cash withdrawals casual workers central banks checking checking account checking accounts clearing systems client bases collateral Commercial Bank commercial banks consumer goods consumer protection consumer protection laws Copyright Clearance Copyright Clearance Center credit application credit card credit cards credit constraints credit information credit union credit-scoring creditors credits customer services debit card debit cards debt deposit deposit accounts depositors deposits developing countries Development Bank discrimination diversification documentation requirement documentation requirements earnings economies of scale electronic banking electronic payment electronic payments electronic transfer Electronic Transfer Account electronic transfer accounts electronic transfers employer employment growth entrepreneur entrepreneurs expenditure expenditures families financial access financial development financial education financial flows financial literacy financial performance Financial Services Financial Services industry financial statements financial support fixed cost fixed costs foreign banks formal banking formal banking system Formal banks formal financial institutions formal savings Good credit group lending Guarantee scheme home country household income households Housing husband husbands ID identity document identity documents IDs illiteracy inactive accounts income categories income groups incomes individual accounts informal borrowing Informal savings insurance International Bank Job creation job security legislation levels of access liquidity loan loan amount loan application loan application procedures loan applications loan processes marginal costs market penetration merchants microcredit Microfinance microfinance institutions Migrant workers minimum balance minimum balances minimum wage mobile banking money laundering money orders Money transfer money transfers new entrants overdraft payment cards payment services payment system payment systems payments infrastructure payments systems penalties pension personal savings point-of-sale point-of-sale terminals poor clients POOR Credit portfolio Post Office Post Office Savings Post Office Savings Bank post offices Postal banks postal savings Private credit private savings purchasing power real assets receipt receipts regulators regulatory authorities remittance remittances Remote banking retirement rural banking savings savings account savings accounts savings banks savings groups savings plans savings product savings products savings programs savings schemes savings services securities small borrowers small enterprises small loans Social Development social welfare special savings State Bank subsidiaries subsidiary tax tax incentives tellers Time deposits transparency transport Treasury unemployment Union urban areas Vulnerable Groups working capital World Development Indicators World Bank Banking the Poor : Measuring Banking Access in 54 Economies |
| description |
Banking the Poor presents new data collected from two sources: central banks, and leading commercial banks in each surveyed country. It explores associations between countries' banking policies and practices, and their levels of financial access measured in terms of the numbers of bank accounts per thousand adults. It builds on the previous work of measuring financial access through information obtained from regulators, banks, and household surveys. It explores associations between countries' banking policies and practices, and their levels of financial access, measured in terms of the numbers of bank accounts per thousand adults. The extent to which people are banked depends primarily on how wealthy they are. Even in the poorest countries, rich urban customers get access to good banking. Although there are a range of financial services used by the poorest, these are usually provided outside the formal banking system. Banks are used by those above this threshold, usually by salaried employees who have the steady income. Naturally banks are more likely to seek out users with a steady, predicatable income. Expanding credit for enterprises leads to the creation of a salaried class that wants to bank: this is the primary way to increase bank access. While bank clients make up the largest part of those using financial services in most countries, incorporating other formal financial institutions would yield a more comprehensive picture of the population that enjoys access to modern financial services. |
| format |
Publications & Research :: Publication |
| author |
World Bank |
| author_facet |
World Bank |
| author_sort |
World Bank |
| title |
Banking the Poor : Measuring Banking Access in 54 Economies |
| title_short |
Banking the Poor : Measuring Banking Access in 54 Economies |
| title_full |
Banking the Poor : Measuring Banking Access in 54 Economies |
| title_fullStr |
Banking the Poor : Measuring Banking Access in 54 Economies |
| title_full_unstemmed |
Banking the Poor : Measuring Banking Access in 54 Economies |
| title_sort |
banking the poor : measuring banking access in 54 economies |
| publisher |
Washington, DC |
| publishDate |
2013 |
| url |
http://hdl.handle.net/10986/13804 |
| _version_ |
1764424618965204992 |
| spelling |
okr-10986-138042021-04-23T14:03:10Z Banking the Poor : Measuring Banking Access in 54 Economies World Bank Access to account access to banking access to banking services access to credit access to finance accessibility account holders account maintenance Accountability accounting application procedures asset accumulation ATM card ATM cards ATM networks ATM withdrawals average balance balance inquiries Balance inquiry balance sheet bank access bank account bank accounts bank assets bank branch bank branches bank credit bank customer bank customers bank fees Bank of Tanzania bank services banking fees banking industry banking sector banking service banking services Banks barrier Bribes business capital business loan business plans capital loans cash payments Cash withdrawals casual workers central banks checking checking account checking accounts clearing systems client bases collateral Commercial Bank commercial banks consumer goods consumer protection consumer protection laws Copyright Clearance Copyright Clearance Center credit application credit card credit cards credit constraints credit information credit union credit-scoring creditors credits customer services debit card debit cards debt deposit deposit accounts depositors deposits developing countries Development Bank discrimination diversification documentation requirement documentation requirements earnings economies of scale electronic banking electronic payment electronic payments electronic transfer Electronic Transfer Account electronic transfer accounts electronic transfers employer employment growth entrepreneur entrepreneurs expenditure expenditures families financial access financial development financial education financial flows financial literacy financial performance Financial Services Financial Services industry financial statements financial support fixed cost fixed costs foreign banks formal banking formal banking system Formal banks formal financial institutions formal savings Good credit group lending Guarantee scheme home country household income households Housing husband husbands ID identity document identity documents IDs illiteracy inactive accounts income categories income groups incomes individual accounts informal borrowing Informal savings insurance International Bank Job creation job security legislation levels of access liquidity loan loan amount loan application loan application procedures loan applications loan processes marginal costs market penetration merchants microcredit Microfinance microfinance institutions Migrant workers minimum balance minimum balances minimum wage mobile banking money laundering money orders Money transfer money transfers new entrants overdraft payment cards payment services payment system payment systems payments infrastructure payments systems penalties pension personal savings point-of-sale point-of-sale terminals poor clients POOR Credit portfolio Post Office Post Office Savings Post Office Savings Bank post offices Postal banks postal savings Private credit private savings purchasing power real assets receipt receipts regulators regulatory authorities remittance remittances Remote banking retirement rural banking savings savings account savings accounts savings banks savings groups savings plans savings product savings products savings programs savings schemes savings services securities small borrowers small enterprises small loans Social Development social welfare special savings State Bank subsidiaries subsidiary tax tax incentives tellers Time deposits transparency transport Treasury unemployment Union urban areas Vulnerable Groups working capital World Development Indicators Banking the Poor presents new data collected from two sources: central banks, and leading commercial banks in each surveyed country. It explores associations between countries' banking policies and practices, and their levels of financial access measured in terms of the numbers of bank accounts per thousand adults. It builds on the previous work of measuring financial access through information obtained from regulators, banks, and household surveys. It explores associations between countries' banking policies and practices, and their levels of financial access, measured in terms of the numbers of bank accounts per thousand adults. The extent to which people are banked depends primarily on how wealthy they are. Even in the poorest countries, rich urban customers get access to good banking. Although there are a range of financial services used by the poorest, these are usually provided outside the formal banking system. Banks are used by those above this threshold, usually by salaried employees who have the steady income. Naturally banks are more likely to seek out users with a steady, predicatable income. Expanding credit for enterprises leads to the creation of a salaried class that wants to bank: this is the primary way to increase bank access. While bank clients make up the largest part of those using financial services in most countries, incorporating other formal financial institutions would yield a more comprehensive picture of the population that enjoys access to modern financial services. 2013-06-05T21:52:26Z 2013-06-05T21:52:26Z 2009 978-0-8213-7754-3 http://hdl.handle.net/10986/13804 en_US CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo World Bank Washington, DC Publications & Research :: Publication Publications & Research |