The majority of people in Sub-Saharan Africa does not have a basic bank account and are financially excluded from mainstream financial services. This paper examines factors that drive geographic exclusion of banking services to rural communities and households’ demand for a basic bank account in Ghana. Using rural community based and household survey datasets, the study finds that banks’ decisions to place a branch in a community are positively influenced by elements as the market size, the level of infrastructure such as energy and communication facilities in the area, market activeness but are negatively influenced by the general level of insecurity associated, for example, with crime, conflict, natural disasters. Conversely, households’ demand for a bank account appears to be strongly driven by both market and nonmarket factors such as price, illiteracy, ethno-religion, dependency ratio, employment and wealth status as well as proximity to a bank.

(2009). Financial exclusion: what drives supply and demand for basic financial services in Ghana? [journal article - articolo]. In SAVINGS AND DEVELOPMENT. Retrieved from http://hdl.handle.net/10446/27439

Financial exclusion: what drives supply and demand for basic financial services in Ghana?

2009-01-01

Abstract

The majority of people in Sub-Saharan Africa does not have a basic bank account and are financially excluded from mainstream financial services. This paper examines factors that drive geographic exclusion of banking services to rural communities and households’ demand for a basic bank account in Ghana. Using rural community based and household survey datasets, the study finds that banks’ decisions to place a branch in a community are positively influenced by elements as the market size, the level of infrastructure such as energy and communication facilities in the area, market activeness but are negatively influenced by the general level of insecurity associated, for example, with crime, conflict, natural disasters. Conversely, households’ demand for a bank account appears to be strongly driven by both market and nonmarket factors such as price, illiteracy, ethno-religion, dependency ratio, employment and wealth status as well as proximity to a bank.
articolo
2009
La plupart des peuples de l’Afrique sub-saharienne n’a pas un compte de dépôt et est exclue des services financiers. Cet article examine les facteurs d’exclusion géographique des services bancaires des communautés rurales et la demande des ménages d’ouverture de comptes au Ghana. Une enquête auprès des communautés et ménages révèle que les décisions d’implantation des succursales bancaires sont positivement influencées par des facteurs comme la taille et le dynamisme du marché, la qualité des infrastructures telles que l’électricité, les moyens de communication. Elles sont négativement influencées, par exemple, par l’insécurité, la criminalité, les conflits, les calamités naturelles. Inversement, les sollicitations d’ouverture de comptes pour les ménages sont à la fois liées aux facteurs commerciaux et non-commerciaux tels que les prix,l’analphabétisme, les questions ethno-religieuses, le taux de dépendance, l’emploi, le bien être et la proximité des banques.
OSEI ASSIBEY, Eric
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