Improving Access to Banking: Evidence from Kenya
Improving Access to Banking: Evidence from Kenya
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改善银行业务：来自肯尼亚的证据
DOI：
10.2139/ssrn.3305047
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发表时间：
2018
期刊：
影响因子：
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通讯作者：
Patricio Valenzuela
中科院分区：
文献类型：
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作者：
E. Carletti;Lemma W. Senbet;Robert J. Cull;Franklin Allen;QJ Qian;Patricio Valenzuela
我们探讨了银行分支扩张、金融包容性和股权银行盈利能力之间的关系。与肯尼亚的传统银行不同，Equity Bank追求针对服务不足地区和弱势家庭的分支战略。它的存在对家庭获得银行账户和信贷产生了积极和重大的影响。它在2006年至2015年期间将金融包容性提高了31%。教育程度较低、没有自己的住房和生活在欠发达地区的肯尼亚人获得教育的机会特别多。股权银行的商业模式在银行和分支层面都被证明是有利可图的。
We explore the relationship between bank branch expansion, financial inclusion and profitability for Equity Bank. Unlike traditional banks in Kenya, Equity Bank pursues branching strategies that target underserved territories and less privileged households. Its presence has a positive and significant impact on households’ access to bank accounts and credit. It increased financial inclusion by 31 percent of the adult population between 2006 and 2015. Access is especially improved for Kenyans who are less educated, do not own their own home and live in less-developed areas. Equity Bank’s business model proves to be profitable both at bank and branch level.