Financial Access and Household Welfare

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

Financial Access and Household Welfare | Evidence from Mauritania

2016

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

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

Language

English

Format

application/pdf, text/plain

License

CC BY 3.0 IGO, http://creativecommons.org/licenses/by/3.0/igo/, World Bank

Type

Working Paper; Work; Working Paper

In AGRIS since: 2024-10-18

Modification date: 2025-04-17

Format: Dublin Core

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Links

DOI http://documents.worldbank.org/curated/en/2016/01/25763476/financial-access-household-welfare-evidence-mauritania https://hdl.handle.net/10986/23633

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Financial Access and Household Welfare | Evidence from Mauritania

2016

AGROVOC Keywords

Bibliographic information