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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Palabras clave de AGROVOC

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

Información bibliográfica

Editorial

World Bank, Washington, DC

Otras materias

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

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Inglés

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application/pdf, text/plain

Licencia

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

Tipo

Working Paper; Work; Working Paper

En AGRIS desde: 2024-10-18

Fecha de modificación: 2025-10-25

Formato: Dublin Core

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Enlaces

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

Palabras clave de AGROVOC

Información bibliográfica