Publication:
Financial Inclusion and Stability : What Does Research Show?

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dc.contributor.authorCull, Robert
dc.contributor.authorAslı Demirgüç-Kunt
dc.contributor.authorLyman, Timothy
dc.date.accessioned2012-08-13T08:36:34Z
dc.date.available2012-08-13T08:36:34Z
dc.date.issued2012-05
dc.description.abstractA growing body of research suggests that whether broad-based access to formal financial services promotes financial stability depends on how that access is managed within the regulatory and supervisory framework, especially in terms of financial integrity and consumer protection. Four factors come into play: financial inclusion, financial consumer protection, financial integrity, and financial stability. These factors are inter-related and, under the right conditions, positively related. Yet failings on one dimension are likely to lead to problems on others. This brief explores what research to date shows about the linkages and potential beneficial relationships among these factors, and it identifies gaps that remain to be explored. There is limited empirical work exploring the specific linkages between financial inclusion and financial stability. Studies have focused largely on the impact of financial development on growth, income inequality, and poverty reduction. The evidence strongly indicates that, when effectively regulated and supervised, financial development spurs economic growth, reduces income inequality, and helps lift households out of poverty.en
dc.identifierhttp://documents.worldbank.org/curated/en/2012/05/16542131/financial-inclusion-stability-research-show
dc.identifier.doi10.1596/9443
dc.identifier.urihttps://hdl.handle.net/10986/9443
dc.languageEnglish
dc.publisherWashington, DC: World Bank
dc.relation.ispartofseriesCGAP Brief
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectADVERSE EFFECTS
dc.subjectALLOCATION OF CAPITAL
dc.subjectANTI-MONEY LAUNDERING
dc.subjectBAD BANKS
dc.subjectBANK BRANCH
dc.subjectBANK POLICY
dc.subjectBANKING SUPERVISION
dc.subjectBANKING SYSTEM
dc.subjectBANKS
dc.subjectBARRIER
dc.subjectCAPITALIZATION
dc.subjectCOLLEGE DEGREE
dc.subjectCOMMERCIAL BANKING
dc.subjectCONSUMER PROTECTION
dc.subjectCORRUPTION
dc.subjectCOUNTRY LEVEL
dc.subjectDEBT
dc.subjectDEREGULATION
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPMENT BANK
dc.subjectDEVELOPMENT ECONOMICS
dc.subjectDEVELOPMENT POLICY
dc.subjectDIVERSIFICATION
dc.subjectDOMESTIC SAVINGS
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC IMPACT
dc.subjectECONOMICS
dc.subjectEDUCATIONAL ATTAINMENT
dc.subjectEMERGING MARKETS
dc.subjectEMPIRICAL STUDIES
dc.subjectEMPIRICAL WORK
dc.subjectENTREPRENEURSHIP
dc.subjectFINANCIAL ACCESS
dc.subjectFINANCIAL ASSETS
dc.subjectFINANCIAL CONSTRAINTS
dc.subjectFINANCIAL CRISIS
dc.subjectFINANCIAL DEPTH
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL EXCLUSION
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL LIBERALIZATION
dc.subjectFINANCIAL LITERACY
dc.subjectFINANCIAL MANAGEMENT
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL SECTOR
dc.subjectFINANCIAL SECTOR POLICIES
dc.subjectFINANCIAL SECTOR REGULATION
dc.subjectFINANCIAL SECTORS
dc.subjectFINANCIAL STABILITY
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEM STABILITY
dc.subjectFINANCIAL SYSTEMS
dc.subjectFINANCIAL TOOLS
dc.subjectFINANCING OBSTACLES
dc.subjectFIRM GROWTH
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectGINI COEFFICIENT
dc.subjectGLOBAL STANDARD
dc.subjectGROWTH RATES
dc.subjectHOUSEHOLDS
dc.subjectINCOME
dc.subjectINCOME DIFFERENTIALS
dc.subjectINCOME DISTRIBUTION
dc.subjectINCOME INEQUALITY
dc.subjectINCOME SHARE
dc.subjectINCOMES
dc.subjectINEQUALITY
dc.subjectINFORMAL SAVINGS
dc.subjectINSURANCE
dc.subjectINVESTMENT OPPORTUNITIES
dc.subjectLABOR MARKETS
dc.subjectLACK OF KNOWLEDGE
dc.subjectLEGAL CONSTRAINTS
dc.subjectLONG RUN
dc.subjectMANDATES
dc.subjectMARKET STABILITY
dc.subjectMICROFINANCE
dc.subjectOPPORTUNITY COSTS
dc.subjectPOLICY ISSUES
dc.subjectPOLICY MAKERS
dc.subjectPOLICY RESEARCH
dc.subjectPOLITICAL STABILITY
dc.subjectPORTFOLIOS
dc.subjectPOVERTY ALLEVIATION
dc.subjectPOVERTY LINE
dc.subjectPOVERTY REDUCTION
dc.subjectPRIVATE SECTOR DEVELOPMENT
dc.subjectPRO-POOR
dc.subjectREGULATORS
dc.subjectRELATIVE WAGE
dc.subjectRESERVE
dc.subjectRESERVE BANK
dc.subjectRESERVE BANK OF INDIA
dc.subjectRURAL BANKS
dc.subjectSAVINGS
dc.subjectSAVINGS PRODUCTS
dc.subjectSMALL BUSINESS
dc.subjectSMALL LOANS
dc.subjectSMALL SAVERS
dc.subjectSOCIAL BANKING
dc.subjectSTABLE ECONOMY
dc.subjectSTABLE SOCIETY
dc.subjectSUPERVISORY FRAMEWORK
dc.subjectSYSTEMIC RISK
dc.subjectUNDERDEVELOPED FINANCIAL SYSTEMS
dc.subjectUNSECURED DEBT
dc.subjectWAGE RATES
dc.subjectWHITE PAPER
dc.titleFinancial Inclusion and Stability : What Does Research Show?en
dspace.entity.typePublication
okr.date.disclosure2012-07-26
okr.date.doiregistration2025-04-29T10:28:44.886496Z
okr.doctypePublications & Research::Brief
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2012/05/16542131/financial-inclusion-stability-research-show
okr.globalpracticePoverty
okr.globalpracticeFinance and Markets
okr.globalpracticeTrade and Competitiveness
okr.guid889841468167967181
okr.identifier.externaldocumentum000333038_20120726025845
okr.identifier.internaldocumentum16542131
okr.identifier.report71305
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2012/07/26/000333038_20120726025845/Rendered/PDF/713050BRI0CGAP0f0FinancialInclusion.pdfen
okr.topicBanks and Banking Reform
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicPrivate Sector Development::Emerging Markets
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicPoverty Reduction::Achieving Shared Growth
okr.unitConsultative Group to Assist Poor
okr.volume1 of 1
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