Access to financial services: The case of the 'Mzansi' account in South Africa
Access to financial services: The case of the 'Mzansi' account in South Africa
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获得金融服务：南非“Mzansi”账户的案例
DOI：
10.1016/j.rdf.2015.04.001
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发表时间：
2015
影响因子：
0.6
通讯作者：
S. Annim
中科院分区：
文献类型：
--
作者：
Phillip Kostov;T. Arun;S. Annim
发展中国家金融服务的配给是实现可持续增长的主要障碍。近年来，各方协调努力， 金融包容性的程度，即减少限制获得资金的供应方制约因素。本文旨在了解家庭的潜在行为决策， 通过分析南非的入门级Mzansi账户，获得金融服务。获得金融服务的意愿并不被认为是既定的，而是由以下因素定义的： 观念和态度。姆赞西的干预措施吸引了那些接受过基本但不够的金融教育的人。愿望似乎在揭示选择方面非常有影响力 因此，Mzansi被认为是一个预先进入的账户，不符合那些希望在金融服务阶梯上攀登的个人的愿望。
The presence of rationing of financial services in the developing countries is a major obstacle to achieving sustainable growth. In recent years there have been co-ordinated efforts to increase the level of financial inclusion, i.e. to reduce the supply-side constraints restricting access to finance. This paper aims to understand household's latent behaviour decision making in accessing financial services, by analysing an entry level Mzansi account in South Africa. The willingness to access financial services is not taken as given, but it is instead defined by perceptions and attitudes. The Mzansi intervention is appealing to individuals with basic but insufficient financial education. Aspirations seem to be very influential in revealing the choice of financial services and to this end, Mzansi is perceived as a pre-entry account not meeting the aspirations of individuals aiming to climb up the financial services ladder.
获得融资的决定因素：对 Mzansi 干预的调查
DOI：
10.1057/ejdr.2011.59
发表时间：
2011
期刊：
The European Journal of Development Research
影响因子：
--
作者：
Kostov P
通讯作者：
Kostov P
为无银行账户的人提供银行服务：Mzansi 对南非的干预
影响因子：
1.4
作者：
Annim S
通讯作者：
Annim S