Financial Access Under The Microscope

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Financial Access Under the Microscope

Author : Sumit Agarwal
Publisher : International Monetary Fund
ISBN 13 : 1484376366
Total Pages : 55 pages
Book Rating : 4.4/5 (843 download)

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Book Synopsis Financial Access Under the Microscope by : Sumit Agarwal

Download or read book Financial Access Under the Microscope written by Sumit Agarwal and published by International Monetary Fund. This book was released on 2018-09-28 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt: We examine the impact of a large-scale microcredit expansion program on financial access and the transition of previously unbanked borrowers to commercial banks. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. A sizable share of first-time borrowers who need a second loan switch to commercial banks, which cream-skim low-risk borrowers and grant them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already at commercial banks and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a well-functioning credit reference bureau, help mitigate information frictions in credit markets.

Financial Inclusion Under the Microscope

Author :
Publisher :
ISBN 13 :
Total Pages : 54 pages
Book Rating : 4.:/5 (129 download)

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Book Synopsis Financial Inclusion Under the Microscope by :

Download or read book Financial Inclusion Under the Microscope written by and published by . This book was released on 2018 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: We examine the impact of a large-scale microcredit expansion program on financial access and the transition of previously unbanked borrowers to commercial banks. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. A sizable share of first-time borrowers who need a second loan switch to commercial banks, which cream-skim low-risk borrowers and grant them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already at commercial banks and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a wellfunctioning credit reference bureau, help mitigate information frictions in credit markets.

Financial Inclusion Under the Microscope

Author : Sumit Agarwal
Publisher : International Monetary Fund
ISBN 13 : 1484379594
Total Pages : 55 pages
Book Rating : 4.4/5 (843 download)

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Book Synopsis Financial Inclusion Under the Microscope by : Sumit Agarwal

Download or read book Financial Inclusion Under the Microscope written by Sumit Agarwal and published by International Monetary Fund. This book was released on 2018-10-01 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt: We examine the impact of a large-scale microcredit expansion program on access to finance and the transition of first-time borrowers from microfinance institutions to the formal banking sector. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. About 10\% of first-time U-SACCO borrowers that need a second loan switch to the formal banking sector, with commercial banks cream-skimming less risky borrowers from U-SACCOs and granting them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already in the formal banking sector and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a well functioning credit reference bureau, help mitigate information frictions in credit markets.

Global Microscope 2016

Author :
Publisher :
ISBN 13 :
Total Pages : 65 pages
Book Rating : 4.:/5 (11 download)

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Book Synopsis Global Microscope 2016 by :

Download or read book Global Microscope 2016 written by and published by . This book was released on 2016 with total page 65 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The Global Microscope 2016 highlights countries' progress in establishing laws and regulations that enhance and support access to financial products and services for low-income populations." --

Trades, Quotes and Prices

Author : Jean-Philippe Bouchaud
Publisher : Cambridge University Press
ISBN 13 : 1108639062
Total Pages : 464 pages
Book Rating : 4.1/5 (86 download)

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Book Synopsis Trades, Quotes and Prices by : Jean-Philippe Bouchaud

Download or read book Trades, Quotes and Prices written by Jean-Philippe Bouchaud and published by Cambridge University Press. This book was released on 2018-03-22 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: The widespread availability of high-quality, high-frequency data has revolutionised the study of financial markets. By describing not only asset prices, but also market participants' actions and interactions, this wealth of information offers a new window into the inner workings of the financial ecosystem. In this original text, the authors discuss empirical facts of financial markets and introduce a wide range of models, from the micro-scale mechanics of individual order arrivals to the emergent, macro-scale issues of market stability. Throughout this journey, data is king. All discussions are firmly rooted in the empirical behaviour of real stocks, and all models are calibrated and evaluated using recent data from Nasdaq. By confronting theory with empirical facts, this book for practitioners, researchers and advanced students provides a fresh, new, and often surprising perspective on topics as diverse as optimal trading, price impact, the fragile nature of liquidity, and even the reasons why people trade at all.

Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn?

Author : Adolfo Barajas
Publisher :
ISBN 13 : 9781513553009
Total Pages : 51 pages
Book Rating : 4.5/5 (53 download)

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Book Synopsis Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn? by : Adolfo Barajas

Download or read book Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn? written by Adolfo Barajas and published by . This book was released on 2020-08-07 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: The past two decades have seen a rapid increase in interest in financial inclusion, both from policymakers and researchers. This paper surveys the main findings from the literature, documenting the trends over time and gaps that have arisen across regions, income levels, and gender, among others. It points out that structural, as well as policy-related, factors, such as encouraging banking competition or channeling government payments through bank accounts, play an important role, and describes the potential macro and microeconomic benefits that can be derived from greater financial inclusion. It argues that policy should aim to identify and reduce frictions holding back financial inclusion, rather than targeting specific levels of inclusion. Finally, it suggests areas for future research.

The Promise of Fintech

Author : Ms.Ratna Sahay
Publisher : International Monetary Fund
ISBN 13 : 1513512242
Total Pages : 83 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis The Promise of Fintech by : Ms.Ratna Sahay

Download or read book The Promise of Fintech written by Ms.Ratna Sahay and published by International Monetary Fund. This book was released on 2020-07-01 with total page 83 pages. Available in PDF, EPUB and Kindle. Book excerpt: Technology is changing the landscape of the financial sector, increasing access to financial services in profound ways. These changes have been in motion for several years, affecting nearly all countries in the world. During the COVID-19 pandemic, technology has created new opportunities for digital financial services to accelerate and enhance financial inclusion, amid social distancing and containment measures. At the same time, the risks emerging prior to COVID-19, as digital financial services developed, are becoming even more relevant.

Fintech and Financial Inclusion in Latin America and the Caribbean

Author : Mr. Dmitry Gershenson
Publisher : International Monetary Fund
ISBN 13 : 1513592238
Total Pages : 77 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis Fintech and Financial Inclusion in Latin America and the Caribbean by : Mr. Dmitry Gershenson

Download or read book Fintech and Financial Inclusion in Latin America and the Caribbean written by Mr. Dmitry Gershenson and published by International Monetary Fund. This book was released on 2021-08-20 with total page 77 pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite some improvement since 2011, Latin America and the Caribbean continue to lag behind other regions in terms of financial inclusion. There is no clear evidence that fintech developments have supported greater financial inclusion in LAC, contrary to what has been observed elsewhere in the world. Case studies by national policy experts suggest that barriers to entry in the financial sector, along with a constraining regulatory environment, may have hindered a faster adoption of fintech. However, fintech development seems to have accelerated in the wake of the COVID-19 pandemic and with the support of recent policy initiatives.

The Global Findex Database 2017

Author : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 228 pages
Book Rating : 4.4/5 (648 download)

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Book Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt

Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

Mohs Micrographic Surgery

Author : Stephen N. Snow
Publisher : Univ of Wisconsin Press
ISBN 13 : 9780299204709
Total Pages : 464 pages
Book Rating : 4.2/5 (47 download)

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Book Synopsis Mohs Micrographic Surgery by : Stephen N. Snow

Download or read book Mohs Micrographic Surgery written by Stephen N. Snow and published by Univ of Wisconsin Press. This book was released on 2004 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mohs Micrographic Surgery, an advanced treatment procedure for skin cancer, offers the highest potential for recovery--even if the skin cancer has been previously treated. This procedure is a state-of-the-art treatment in which the physician serves as surgeon, pathologist, and reconstructive surgeon. It relies on the accuracy of a microscope to trace and ensure removal of skin cancer down to its roots. This procedure allows dermatologists trained in Mohs Surgery to see beyond the visible disease and to precisely identify and remove the entire tumor, leaving healthy tissue unharmed. This procedure is most often used in treating two of the most common forms of skin cancer: basal cell carcinoma and squamous cell carcinoma. The cure rate for Mohs Micrographic Surgery is the highest of all treatments for skin cancer--up to 99 percent even if other forms of treatment have failed. This procedure, the most exact and precise method of tumor removal, minimizes the chance of regrowth and lessens the potential for scarring or disfigurement

The 2015 Brookings Financial and Digital Inclusion Project Report

Author : John Villasenor
Publisher : Brookings Institution Press
ISBN 13 : 0815728638
Total Pages : 315 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis The 2015 Brookings Financial and Digital Inclusion Project Report by : John Villasenor

Download or read book The 2015 Brookings Financial and Digital Inclusion Project Report written by John Villasenor and published by Brookings Institution Press. This book was released on 2015-10-06 with total page 315 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 2015 Brookings Financial and Digital Inclusion Project (FDIP) Report and Scorecard evaluate access to and usage of affordable financial services across 21 geographically and economically diverse countries. The 2015 FDIP Report and Scorecard seek to answer a set of fundamental questions about today's global financial inclusion efforts, including: 1) Do country commitments make a difference in progress toward financial inclusion?; 2) To what extent do mobile and other digital technologies advance financial inclusion?; and 3) What legal, policy, and regulatory approaches promote financial inclusion? John D. Villasenor, Darrell M. West, and Robin J. Lewis analyzed the financial inclusion landscape in Afghanistan, Bangladesh, Brazil, Chile, Colombia, Ethiopia, India, Indonesia, Kenya, Malawi, Mexico, Nigeria, Pakistan, Peru, the Philippines, Rwanda, South Africa, Tanzania, Turkey, Uganda, and Zambia. Countries received scores and rankings based on 33 indicators spanning four dimensions: country commitment, mobile capacity, regulatory environment, and adoption of traditional and digital financial services. The authors' analysis provides several takeaways with respect to expanding financial inclusion across diverse cultural, economic, and political contexts: · Country commitment is fundamental. · Movement toward digital financial services will accelerate financial inclusion. · Geography generally matters less than policy, legal, and regulatory changes, although some regional trends in terms of financial services provision are evident. · Central banks, ministries of finance, ministries of communications, banks, nonbank financial providers, and mobile network operators play major roles in achieving greater financial inclusion. · Full financial inclusion cannot be achieved without addressing the financial inclusion gender gap. This year's Report and Scorecard are the first of a series of publications intended to provide policymakers, the private sector, nongovernmental organizations, and the general public with information that can help improve financial inclusion in these countries and around the world.

Saving for Development

Author : Inter-American Development Bank
Publisher : Springer
ISBN 13 : 1349949299
Total Pages : 352 pages
Book Rating : 4.3/5 (499 download)

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Book Synopsis Saving for Development by : Inter-American Development Bank

Download or read book Saving for Development written by Inter-American Development Bank and published by Springer. This book was released on 2016-07-08 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why should people - and economies - save? This book on the savings problem in Latin America and the Caribbean suggests that, while saving to survive the bad times is important, saving to thrive in the good times is what really counts. People must save to invest in health and education, live productive and fulfilling lives, and make the most of their retirement years. Firms must save to grow their enterprises, employ more workers in better jobs, and produce quality goods. Governments must save to build the infrastructure required by a productive economy, provide quality services to their citizens, and assure their senior citizens a dignified, worry-free retirement. In short, countries must save not for the proverbial rainy day, but for a sunny day - a time when everyone can bask in the benefits of growth, prosperity, and well-being. This book is open access under a CC BY-NC-ND 3.0 IGO license.

Financial Inclusion and Development

Author : Robert Cull
Publisher :
ISBN 13 : 9781626960367
Total Pages : 12 pages
Book Rating : 4.9/5 (63 download)

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Book Synopsis Financial Inclusion and Development by : Robert Cull

Download or read book Financial Inclusion and Development written by Robert Cull and published by . This book was released on 2014-04-15 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Business Ethics

Author : Stephen M. Byars
Publisher :
ISBN 13 : 9781947172562
Total Pages : pages
Book Rating : 4.1/5 (725 download)

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Book Synopsis Business Ethics by : Stephen M. Byars

Download or read book Business Ethics written by Stephen M. Byars and published by . This book was released on 2018-09-24 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Costa Rica

Author : International Monetary Fund. Western Hemisphere Dept.
Publisher : International Monetary Fund
ISBN 13 : 1484362691
Total Pages : 92 pages
Book Rating : 4.4/5 (843 download)

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Book Synopsis Costa Rica by : International Monetary Fund. Western Hemisphere Dept.

Download or read book Costa Rica written by International Monetary Fund. Western Hemisphere Dept. and published by International Monetary Fund. This book was released on 2016-05-23 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper looks at the following important issues pertaining to the economy of Costa Rica: micro-financial linkages, financial sector vulnerabilities, monetary policy stance, financial deepening in Costa Rica, financial inclusion in Costa Rica, recent fiscal developments and medium-term sustainability, and female labor force participation in Costa Rica. This paper discusses linkages between the Costa Rican real economy and financial sector. Although increasingly diversified, the Costa Rican financial system is centered on banking intermediation. The banking system is highly segmented and heavily dollarized. To assess the adequacy of the current monetary policy stance, this paper estimates the neutral monetary policy interest rate.

Household Finance

Author : Sumit Agarwal
Publisher : Springer Nature
ISBN 13 : 9811555265
Total Pages : 352 pages
Book Rating : 4.8/5 (115 download)

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Book Synopsis Household Finance by : Sumit Agarwal

Download or read book Household Finance written by Sumit Agarwal and published by Springer Nature. This book was released on 2020-10-07 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: Household finance studies is a relatively recent field, exploring a growing understanding of how households make financial decisions relating to the functions of consumption, payment, risk management, borrowing and investing; how institutions provide goods and services to satisfy these financial functions of households; and how interventions by firms, governments and other parties affect the provision of financial services. This timely book analyses existing findings about household behavior as well as findings related to policy interventions. With international case studies, this book reviews a topic of global importance and brings a crucial up-to-date survey of the field for researchers and postgraduate students.

Rwanda

Author : International Monetary Fund. African Dept.
Publisher : International Monetary Fund
ISBN 13 : 1484309979
Total Pages : 53 pages
Book Rating : 4.4/5 (843 download)

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Book Synopsis Rwanda by : International Monetary Fund. African Dept.

Download or read book Rwanda written by International Monetary Fund. African Dept. and published by International Monetary Fund. This book was released on 2017-07-13 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Selected Issues paper analyzes investment strategy to foster structural transformation in Rwanda. Over the past 15 years, Rwanda has transformed its economy by moving workers out of agriculture into mostly services and some industry. This has been accomplished through strong public investment flows and efficient public investment management. Going forward, the challenge is whether the private sector can complement the infrastructure assets put in place by the public sector and maintain economic momentum. It will also require continued effort by the government in raising education standards, better matching qualifications offered to students to those most in demand by employers, and lowering electricity and transportation costs.