Expanding Bank Outreach through Retail Partnerships

Kumar, Anjali S.; Parsons, Adam; Urdapilleta, Eduardo; Nair, Ajai

doi:10.1596/978-0-8213-6702-5

Cited by 46 publications

(68 citation statements)

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“…8 Designing policies to promote banking sector outreach is an issue with which Indian policy makers and others around the world continue to struggle. document the results of the Indian social banking experiment, Kumar (2006) documents initiatives in Brazil to foster banking sector outreach. In fact, my results demonstrate the importance of geographic banking sector outreach generally, whether it be market or policy driven.…”

Section: Introductionmentioning

confidence: 99%

Local financial development and growth

Kendall

2012

Journal of Banking & Finance

105

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Keywords: Banking Financial development Human capital India Regional growth a b s t r a c t Using unique, district-level, economic growth data, I investigate the connection between banking sector development, human capital, and economic growth in Indian districts. Disaggregate data helps avoid many of the omitted variable problems that plague similar cross-country studies. The data show districts to be financially constrained by the lack of local banking sector development, and the relationship may be non-linear. For districts in the sample, moving from the 75th percentile of credit/net domestic product to the 25th percentile implies an average loss of 4% in growth over the 1990s decade. The data also shows that human capital deepening can reduce the financial constraint. In a district at the 25th literacy percentile, the implied growth loss due to a constrained banking sector is twice as large as in a district at the 75th literacy percentile. The results are robust to the inclusion of various controls and changes in specification.

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Section: Introductionmentioning

confidence: 99%

Local financial development and growth

Kendall

2012

Journal of Banking & Finance

105

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“…There is faster distribution of information from the customer and service provider, thus distinguishing Internet enabled electronic banking system from the traditional banking system (Chavan, 2013;Padaachi & Seetanah, 2010). (Kumar et al, 2006) carried a study on correspondent banking in Brazil, where financial institutions operate commercial establishment using third party agents rather than their own branches. The primary focus is the third party to render services on behalf of the financial institution using modern and innovative technology such as Point of Sale (POS) devices.…”

Section: 1e-banking By Micro and Small Scale Enterprises (Mses)mentioning

confidence: 99%

“…Various findings show that utilization and ability to implement and use recent and state-of-the-art ICT (information and communication technology) and ICT enabled services is not uniform across the various financial service providers within a country and across countries (CBK, 2013;Chavan, 2013;Kumar, Nair, Parsons, & Urdapilleta, 2006;Mulwa & Waema, 2016;Ozuru, Chikwe, & Uduma, 2010). This is due to difference in e-Readiness in ICT adoption, resource availability and technological expertise.…”

Section: Introductionmentioning

confidence: 99%

E-Readiness Assessment Information System. A Case Study of Microfinance Institutions (MFIs) in Kenya

2019

IKM

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Microfinance institutions provide lending facilities, money transfer and micro-insurance, among others, to the economically active poor, low-income households and micro and small scale enterprises in both rural and urban areas. However, digital financial service delivery channels and methodologies confront a number of challenges mainly the e-Readiness of both MFIs adopt modern and innovative information and communication technology and reduce or eliminate the digital divide. In terms of e-banking it is likely that some e-Readiness indicators are more revealing than others. At the same time, e-readiness indicators are not static; they are influenced by investments, policy, and a multitude of circumstantial socioeconomic factors. In this paper, we meet these challenges and propose a generic assessment information system that can be used to assess the e-Readiness of MFIs in Kenya. With validation and a full blown practical implementation on sample MFIs, we demonstrate our system's efficiency and scalability.

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“…According to Kumar et al (2006), Caixa (4th largest bank in Brazil) uses a simplified demographic credit scoring, Banco do Brasil (2nd largest bank in Brazil) uses an internally developed credit scoring system based on demographic and behavioral information as well as Serasa credit report (a Brazilian credit bureau). Thomas et al (2002) argue that the philosophical motivation behind the study of credit scoring is pragmatism and empiricism.…”

Section: Credit Scoring Modelsmentioning

confidence: 99%