Evidence from Mauritania

Amendola, Alessandra; Boccia, Marinella; Mele, Gianluca; Sensini, Luca

Evidence from Mauritania | Financial Access and Household Welfare

2016

Amendola, Alessandra | Boccia, Marinella | Mele, Gianluca | Sensini, Luca

This paper evaluates the impact of access to credit from banks and other financial institutions on household welfare in Mauritania. Micro-level data from a 2014 household survey are used to evaluate the relationship between credit access, a range of household characteristics, and welfare indicators. To address potential endogeneity issues, the household isolation level is used to instrument access to credit. The results show that households headed by older, more educated people are more likely to access financial services, as are households located in urban areas. In addition, greater financial access appears to be associated with a reduced dependence on household production and increased investment in human capital.

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AGROVOC Keywords

agricultural economics agricultural sector bank banks capital capital formation commercial banks credit diversification economic development economic growth empowerment enterprises equity expenditure finance financial institutions financing gender household income households human capital information technology interest rates international bank investment land ownership loans microcredit microfinance profitability savings student urban areas village welfare women

Bibliographic information

Publisher

World Bank, Washington, DC

Other Subjects

Banking industry; Transportation services; Cultural norms; Financial intermediation; Borrowing; Financial sector assessment; Payment; Exclusion; Formal financial institution; Employee; Lack of information; Payments; Household welfare; Informal financing; Educational attainment; Microfinance institutions; Small business; Village fund; Informal finance; Credit application; Access to credit; Family; Formal credit; Financial development; Credit providers; Credit card; Financial products; Credit information; Social banking; Demand for credit; Advanced degrees; Vulnerable households; Cultural barriers; Small businesses; Access to services; Source of information; Financial services; Bank credit; Transportation service; Solvency; Financial access; Borrowers; Indicators of access; Creditors; Household; Banking services; Money transfers; Investment decisions; Formal banking; Financial infrastructure; Economic empowerment; Inequality; Financial institution; Finance access; Education level; Credit program; Mfi; Financial system; Savings accounts; Information asymmetry; Informal economy; Insurance services; Bank branches; Loan; Mfis; Lenders; Interest; Deposit; Access to financial services; Liquidity risks; Credit history; Employees; Credit applications; Banking system; Public credit; Rural financial services; Rural banks; Access to finance; Revenue; Credit market; Security; Head of household; Misreporting; Borrower; Electronic payment; Urban area; Access to formal credit; Credit access; Expenditures; People; Education spending; Deposits

Language

English

Type

Working Paper; Working Paper; Text

In AGRIS since: 2016-03-15

Format: AGRIS AP

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Evidence from Mauritania | Financial Access and Household Welfare

2016

AGROVOC Keywords

Bibliographic information