Financial Inclusion and Financial Integrity: Aligned Incentives?

Koker, Louis de; Jentzsch, Nicola

doi:10.1016/j.worlddev.2012.11.002

Cited by 130 publications

(51 citation statements)

References 15 publications

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“…Several studies in the literature suggest that financial inclusion is generally driven by population density, especially in Africa (Allen et al 2014;Arun & Kamath 2015;De Koker & Jentzsch 2013). These studies emphasise that population density is linked more to bank branch penetration in Africa than it is in other developing economies.…”

Section: Financial Inclusionmentioning

confidence: 99%

Perceptions of post-multicurrency regime financial inclusion confidence challenges in Zimbabwe

Ngwenya¹,

Pelser²,

Chivaura³

2018

SAJEMS

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Aim: The study sought to assess the informal trader’s perceptions of the post-multicurrency regime financial inclusion confidence challenges in Zimbabwe and also through further future studies explore the potential of explicating a framework for achieving optimal financial inclusion in an economy recovering from a recession through further future studies. Setting: A non-probability judgment sample of 1000 informal traders in the Avondale area of Harare was used in this study. Method: The study established four potential financial inclusion construct pillars: demand side factors, supply side factors, behavioural factors and individual factors; these were largely influenced by age, which can be investigated in further future grounded theory studies to develop a framework. Results: The results indicate that healing from the financial experiences of the hyperinflation era of 2008 still has not been achieved. The study suggests a need for Zimbabwe to restore human rights, political stability, and ensure compliance with the Financial Action Task Force regulations regarding money laundering and terror financing in order to boost external confidence in the financial system of the country. Conclusion: There is still a challenge of confidence in the country’s financial system. The proposed framework is envisaged to minimise the negative impacts of the mistrust of formal financial service providers and boost confidence in the financial system. It is hoped that the findings will aid government to craft policies that will be perceived as supportive of the informal sector to achieve optimal financial inclusion. The study further suggests penetration of the rural areas through technological advances such as mobile networks.

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Section: Financial Inclusionmentioning

confidence: 99%

Perceptions of post-multicurrency regime financial inclusion confidence challenges in Zimbabwe

Ngwenya¹,

Pelser²,

Chivaura³

2018

SAJEMS

View full text Add to dashboard Cite

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“…The growth of microfinance can be understood by looking at the strong concern about decreasing financial inclusion in developed countries (Swamy, ), defined as ensuring access to formal financial services at an affordable cost in a fair and transparent manner. Financial inclusion has been proved to improve economic growth, reduce poverty and promote social inclusion (De Koker & Jentzsch, ) and has now progressed from a narrow focus on access to microcredit to a broader concept that incorporates remittances, savings and insurance products (Dittus & Klein, ). The recent financial crisis generated a credit crunch that has subsequently affected the vitality of micro–small enterprises as well as that of private citizens, with a considerable impact on financial inclusion.…”

Section: The Rise and Features Of Microfinance Institutions In Develomentioning

confidence: 99%

Rethinking Microfinance for Developed Countries

Pedrini

Bramanti

Minciullo

et al. 2016

J of Intl Development

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Despite the growth of the sector, microfinance's academic research in developed countries is still very limited. The paper builds on earlier works, which discuss four technical problems related to the diffusion of microfinance in developing countries. In re‐framing their approach to apply it to developed countries, we propose a set of recommendations in order to foster the growth of the microfinance sector: (1) the use of financial institutions to supply microfinance products; (2) the development of an alternative credit scoring in banks; (3) the adoption of a regulatory framework for microfinance; and (4) the use of networks as social collaterals. Copyright © 2016 John Wiley & Sons, Ltd.

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“…Communication data reflects social patterns and contacts of the client. If the phone is used for transactions, the client profile is enriched by data about the client's financial transactions and spending patterns (De Koker and Jentzsch 2013). The data itself can be sufficiently rich to enable analysts to correctly identify an unidentified client.…”

Section: Extensive Datamentioning

confidence: 99%

Financial Crimes: Psychological, Technological, and Ethical Issues

Dion¹,

Weisstub²,

Richet³

2016

International Library of Ethics, Law, and the New Medicine

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The book series International Library of Ethics, Law and the New Medicine comprises volumes with an international and interdisciplinary focus. The aim of the Series is to publish books on foundational issues in (bio) ethics, law, international health care and medicine. The 28 volumes that have already appeared in this series address aspects of aging, mental health, AIDS, preventive medicine, bioethics and many other current topics. This Series was conceived against the background of increasing globalization and interdependency of the world's cultures and governments, with mutual influencing occurring throughout the world in all fields, most surely in health care and its delivery. By means of this Series we aim to contribute and cooperate to meet the challenge of our time: how to aim human technology to good human ends, how to deal with changed values in the areas of religion, society, culture and the self-definition of human persons, and how to formulate a new way of thinking, a new ethic. We welcome book proposals representing the broad interest of the interdisciplinary and international focus of the series. We especially welcome proposals that address aspects of 'new medicine', meaning advances in research and clinical health care, with an emphasis on those interventions and alterations that force us to re-examine foundational issues.More information about this series at

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Financial Inclusion and Financial Integrity: Aligned Incentives?

Cited by 130 publications

References 15 publications

Perceptions of post-multicurrency regime financial inclusion confidence challenges in Zimbabwe

Perceptions of post-multicurrency regime financial inclusion confidence challenges in Zimbabwe

Rethinking Microfinance for Developed Countries

Financial Crimes: Psychological, Technological, and Ethical Issues

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