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

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

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