Who Are The Unbanked?

Djankov, Simeon; Miranda, Pedro; Seira, Enrique; Sharma, Siddharth

doi:10.1596/1813-9450-4647

Cited by 27 publications

(15 citation statements)

References 8 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…En este mismo contexto, pero a nivel nacional se encuentran diversos análisis para abordar el tema de la educación financiera; por ejemplo Djankov, et al, (2008) realizaron una comparación de hogares con cuentas de ahorro en el sistema financiero formal contra sus vecinos que no disponían de esas cuentas. Los datos que utilizaron provienen de una encuesta aplicada en 2005 por el Banco del Ahorro Nacional y Servicios Financieros (BANSEFI) que abarcó aproximadamente a 5000 hogares, dichos datos son representativos a nivel nacional.…”

Section: Revisión Del Estado Del Arteunclassified

Determinantes de la alfabetización financiera.

Antonio-Anderson

Cárdenas

Saldana

2020

View full text Add to dashboard Cite

El presente artículo tuvo como objetivo analizar los factores que determinan el nivel de alfabetización financiera en adultos mexicanos, el método utilizado para el análisis fue un modelo de Mínimos Cuadrados Ordinarios (MCO). Los resultados revelan que la edad, estado conyugal, escolaridad, número de dependientes y nivel de ingreso en las regiones centro y sur, se asociaron positivamente con el índice de alfabetización financiera; mientras que los hombres y el hecho de tener trabajo, se asoció de manera negativa. Una de las limitaciones del estudio, radica en el número de observaciones en cuanto a algunas variables consideradas. La originalidad del trabajo consiste en que se aporta evidencia considerando las características a nivel individual para México. Los hallazgos obtenidos pueden ser de utilidad para el diseño de políticas públicas así como fungir como una base que permita desprender estudios posteriores.

show abstract

Section: Revisión Del Estado Del Arteunclassified

Determinantes de la alfabetización financiera.

Antonio-Anderson

Cárdenas

Saldana

2020

View full text Add to dashboard Cite

show abstract

“…A number of studies in association with household attributes and how they impact on approaching formal financial services. Djankov et al (2008) use data of household issued by Mexican Ministry of Agriculture. The results report that households owning bank accounts and spending higher living costs have more properties and higher education level.…”

Section: Literature Reviewmentioning

confidence: 99%

Understanding Financial Inclusion in Vietnam

Son¹,

Liêm²,

Ly³

2019

RWE

View full text Add to dashboard Cite

The objective of this paper is to analyze the factors that affect the financial inclusion in Vietnam using the World Bank's Global Findex dataset. Analytical results show that income affects the use of official accounts and official savings. Education is positively correlated with official accounts and official savings, but is negatively correlated with the use of formal credit. Age influences official savings and the use of formal credit and this relationship is nonlinear. Sex does not impact the use of official and official savings accounts. However, being a woman tends to use formal financial channels more. The reason for not owning official accounts of individuals in Vietnam is mainly subjective (related to personal income). Being a woman and being older are less likely to use informal credit, while the lowest income-group people tend to use informal credit. From the results of this research, some policy implications are outlined to promote financial inclusion in Vietnam.

show abstract

“…A high percentage of low-income households in developing countries are without bank accounts with an even higher number of those below average incomes such as those living in Mexico City and United States having no relationships with banks together with access to saving avenues (Djankov, 2008 Djankov (2008) thus concludes that poorer households are unbanked, having the least relationship with banks as the cost of maintaining a bank account outweighs its benefits. In essence, this explains SA's wide-spread cheaper cardless services choice as the most suitable, although it compromises saving avenues and all the benefits associated with banking services.…”

Section: The Dilemma Of the Poor And Unemployedmentioning

confidence: 99%

“…The uneducated and poor stay unbanked, as keeping a bank account is expensive for their infrequent financial transactions, even though informal sector is expensive in the long run (Djankov, 2008). Being unbanked means clients are excluded from paying online, but their transaction still means the hassle of standing in long queues to deposit money into the suppliers' bank account, then send fax or scan and forward payment proof.…”

Section: How Large Is the Cost Of Cash Transaction?mentioning

confidence: 99%

The impact of maintenance fees on students’ willingness to maintain bank accounts and establish credit profile

Motlhabane

2017

Banks and Bank Systems

View full text Add to dashboard Cite

The purpose of this article is two-fold: to investigate how recurring maintenance fees levied on students' accounts impact on university students' willingness to maintain bank accounts and therefore begin creating the necessary credit profiles. Credit profiles provide financial history that is useful for banks and other lenders to evaluate clients' credit worthiness. Many students in South African universities are ignorant of this requirement and usually make choices detrimental to their accessing current and future financial products. The banks' service quality and students' expectations need to be harmonized at some point.

show abstract

Who Are The Unbanked?

Cited by 27 publications

References 8 publications

Determinantes de la alfabetización financiera.

Determinantes de la alfabetización financiera.

Understanding Financial Inclusion in Vietnam

The impact of maintenance fees on students’ willingness to maintain bank accounts and establish credit profile

Contact Info

Product

Resources

About