Banking the unbanked: the Mzansi intervention in South Africa
Banking the unbanked: the Mzansi intervention in South Africa
复制标题
为无银行账户的人提供银行服务：Mzansi 对南非的干预
DOI：
10.1108/igdr-11-2012-0046
复制
发表时间：
2014
影响因子：
1.4
通讯作者：
Annim S
中科院分区：
文献类型：
--
作者：
Annim S
目的-本论文旨在了解家庭在获得金融服务方面的潜在行为决策。在这种分析中，由消费者在南非的入境前Mzansi帐户的选择的决定因素看。设计/方法/方式-在这项研究中，102个变量，分为以下几类：基本识字，理解金融术语，金融咨询的目标，所需的金融教育和金融观念。使用计算效率高的变量选择算法，变量，可以令人满意地解释一个Mzansi帐户的选择进行了studied.Findings-Mzansi干预是吸引个人的基本但不够的金融教育。愿望似乎在揭示金融服务的选择方面具有很大的影响力，为此，Mzansi被视为一个预先进入的账户，不符合旨在攀登金融服务阶梯的个人的愿望。据发现，Mzansi持有人主要将该账户视为接收付款的工具，但另一方面，他们厌恶债务，倾向于储蓄。因此，虽然目前没有具体的证据表明，Mzansi干预增加获得资金通过多样化（即通过招募客户到更高级别的帐户和服务），这种分析表明，这是很可能是这样的。独创性/价值-获得资金的需求方限制的问题在很大程度上被忽视的理论和实证文献。本文采取了一些初步措施来弥补这一差距。
Purpose– This paper aims to understand household’s latent behaviour decision-making in accessing financial services. In this analysis, the determinants of the choice of the pre-entry Mzansi account by consumers in South Africa is looked at.Design/methodology/approach– In this study, 102 variables, grouped in the following categories: basic literacy, understanding financial terms, targets for financial advice, desired financial education and financial perception. Using a computationally efficient variable selection algorithm, variables that can satisfactorily explain the choice of a Mzansi account were studied.Findings– 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. It was found that Mzansi holders view the account mainly as a vehicle for receiving payments, but, on the other hand, are debt-averse and inclined to save. Hence, although there is at present no concrete evidence that the Mzansi intervention increases access to finance via diversification (i.e. by recruiting customers into higher-level accounts and services), this analysis shows that this is very likely to be the case.Originality/value– The issue of demand-side constraints on access to finance have been largely been ignored in the theoretical and empirical literature. This paper undertakes some preliminary steps in addressing this gap.
登录
查看更多内容
影响因子：
1.5
作者：
Belloni, Alexandre;Chernozhukov, Victor
通讯作者：
Chernozhukov, Victor
DOI：
--
发表时间：
1998-12
期刊：
--
影响因子：
--
作者：
Yves Grandvalet;S. Canu
通讯作者：
Yves Grandvalet;S. Canu
DOI：
10.1257/089533005774357842
发表时间：
2005-08
期刊：
Economic History eJournal
影响因子：
--
作者：
R. Levine
通讯作者：
R. Levine
DOI：
10.1198/016214506000000735
发表时间：
2006-12-01
影响因子：
3.7
作者：
Zou, Hui
通讯作者：
Zou, Hui
影响因子：
2.5
作者：
Beck, Thorsten;Demirguc-Kunt, Asli
通讯作者：
Demirguc-Kunt, Asli