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Financial Liberalization and the Development of Microcredit

Deidda, Luca - 2019

We analyze the debt origination process in which a lender offers prospective borrowers a microcredit product alongside … development of a formal microcredit market. In the presence of asymmetric information, a lender assesses a borrower's credit … relaxed, these borrowers would have the option of financing through microcredit …

Persistent link: https://www.econbiz.de/10012860627

Financial inclusion, financial regulation, and financial education in Thailand

Tambunlertchai, Kanittha - 2015

This paper addresses the issue of financial inclusion in Thailand through the lens of an institutional analysis, which takes into consideration the desired outcomes, the service providers and enabling agencies, and the regulatory context that shape the existing provision of financial inclusion...

Persistent link: https://www.econbiz.de/10011305373

The status of financial inclusion, regulation, and education in India

Barua, Abheek; Kathuria, Rajat; Malik, Neha - 2016

India's financial inclusion agenda has witnessed a paradigm shift over the last decade, away from an emphasis on credit to a more comprehensive approach toward financial services (e.g., opening bank accounts and offering basic financial products, such as insurance). This paper describes the...

Persistent link: https://www.econbiz.de/10011453340

Assessing mandated credit programs : case study of the Magna Carta in the Philippines

Khor, Niny; Jacildo, Ryan; Tacneng, Ruth - 2015

We examine the effects of a mandated credit program to small and medium enterprises in the Philippines (Magna Carta Law) using a panel dataset compiled from official data published by the Bangko Sentral ng Pilipinas. The final sample of 109 financial institutions represented over 90% of total...

Persistent link: https://www.econbiz.de/10011386728

Contesting Digital Finance for the Poor

Ozili, Peterson K - 2020

This article critically assess digital finance as a pro-poor intervention in the development finance space. It examines the turn from ‘microfinance for the poor' to ‘digital finance for the poor'. It then considers three key issues and contest the argument that digital finance is pro-poor....

Persistent link: https://www.econbiz.de/10012835893

Financial Inclusion In China : Deepening High-Level Financial Inclusion For Foreigners In China

Tampuri Jnr, Mark Yama - 2019

There have been researches in Financial Inclusion in China; however, not much has been researched on Financial Inclusion indicators for foreigners in China. Base on the report of the 2014 Global Findex Database, the paper analyses the determinants of Financial Inclusion in China in general and...

Persistent link: https://www.econbiz.de/10012867425

Financial Inclusion, Gender Dimension, and Economic Impact on Poor Households

Swamy, Vighneswara - 2014

We examine the question: “In the context of gender dimension what is the evidence of the impact of the financial inclusion programs on poor households represented by women relative to that represented by men?” By constructing a good counterfactual and comparison group, we employ the...

Persistent link: https://www.econbiz.de/10013053196

The Paradoxical Case Against Interest Rate Caps for Microfinance – And : How FinTech and RegTech Resolve the Dilemma

Zetzsche, Dirk A. - 2018

Since 2010 approximately 40 developing countries and transitional economies imposed interest rate caps. This article analyses the impact of these interest rate caps on microfinance institutions. Introducing the taxonomy of soft, mezzo and hard interest rate caps we take a stance against hard...

Persistent link: https://www.econbiz.de/10012922161

The financial inclusion agenda : examining the role of conventional banks in deepening access to formal credit

Iddrisu, Abdul Malik; Danquah, Michael - 2021

Using a unique district-level panel data set, we investigate the effect of banking system penetration on financial inclusion in Ghana. To purge potential endogeneity bias in the underlying relationship, we exploit a change in the policy environment of the Ghanaian banking system to instrument...

Persistent link: https://www.econbiz.de/10012509932

Microfinance Institutions and Public Policy

Hardy, Daniel; Holden, Paul; Prokopenko, Vassili - 2021

Many governments and nongovernmental organizations have adopted policies to promote the growth of microfinance institutions (MFIs). The appropriate level and form of support for MFIs are discussed in this paper on the basis of a review of key MFI characteristics. Governments are also responsible...

Persistent link: https://www.econbiz.de/10013317815

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