Financial Access and Exclusion in Kenya and Uganda
Financial Access and Exclusion in Kenya and Uganda
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肯尼亚和乌干达的金融准入和排斥
DOI：
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发表时间：
2011
期刊：
影响因子：
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通讯作者：
M. Niño
中科院分区：
文献类型：
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作者：
Susan Johnson;M. Niño
政策重点最近已转向“人人享有金融”，因为有证据表明，金融部门的发展有助于增长，但对贫困的影响并不来自扶贫规定。我们认为，考虑到这一政策目标，对获取障碍的分析必须是针对具体国家的，并超越对交易成本的强调，纳入社会机构的影响，因为这些有助于歧视。本文利用2006年在肯尼亚和乌干达进行的金融服务调查的数据，调查影响获得和排斥正规、半正规和非正规金融服务的社会经济、人口和地理因素。
Abstract Policy emphasis has recently shifted to ‘Finance for All’ given evidence that financial sector development contributes to growth but effects on poverty do not arise from pro-poor provision. We argue that, given this policy goal, analyses of barriers to access must be country specific and go beyond the emphasis on transactions costs to incorporate the effects of social institutions since these contribute to discrimination. This paper uses data from Financial Access Surveys carried out in 2006 in Kenya and Uganda to investigate the socio-economic, demographic and geographical factors influencing access to and exclusion from formal, semi-formal and informal financial services.