Publication:
Finance for All? Policies and Pitfalls in Expanding Access

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dc.contributor.authorWorld Bank
dc.date.accessioned2012-06-01T18:51:08Z
dc.date.available2012-06-01T18:51:08Z
dc.date.issued2008
dc.description.abstractThis book, finance for all, presents first efforts at developing indicators illustrating that financial access is quite limited around the world and identifies barriers that may be preventing small firms and poor households from using financial services. Based on this research, the report derives principles for effective government policy on broadening access. The report's conclusions confirm some traditional views and challenge others. For example, recent research provides additional evidence to support the widely-held belief that financial development promotes growth and illustrates the role of access in this process. Improved access to finance creates an environment conducive to new firm entry, innovation, and growth. However, research also shows that small firms benefit the most from financial development and greater access-both in terms of entry and seeing their growth constraints relaxed. Hence, inclusive financial systems also have consequences for the composition and competition in the enterprise sector. This report reviews and synthesizes a large body of research, and provides the basis for sound policy advice in the area of financial access. The findings in this report also underline the importance of investing in data collection: continued work on measuring and evaluating the impact of access requires detailed micro data both at the household and enterprise level.en
dc.identifierhttp://documents.worldbank.org/curated/en/2008/01/8865141/finance-all-policies-pitfalls-expanding-access
dc.identifier.doi10.1596/978-0-8213-7291-3
dc.identifier.isbn978-0-8213-7291-3
dc.identifier.urihttps://hdl.handle.net/10986/6905
dc.languageEnglish
dc.language.isoen_US
dc.publisherWashington, DC
dc.relation.ispartofseriesWorld Bank Policy Research Report
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo
dc.subjectABUSIVE LENDING
dc.subjectACCESS BARRIERS
dc.subjectACCESS INDICATORS
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO EXTERNAL FINANCE
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO SERVICES
dc.subjectACCOUNT HOLDERS
dc.subjectADVANCED ECONOMIES
dc.subjectAFFORDABILITY
dc.subjectALLOCATION OF FUNDS
dc.subjectATM PENETRATION
dc.subjectBANK ACCOUNT
dc.subjectBANK ACCOUNTS
dc.subjectBANK BRANCH
dc.subjectBANK CHARGES
dc.subjectBANK FAILURES
dc.subjectBANK LENDING
dc.subjectBANKING CRISES
dc.subjectBANKING SYSTEM
dc.subjectBANKING SYSTEMS
dc.subjectBANKRUPTCY
dc.subjectBANKS
dc.subjectBENEFITS OF ACCESS
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectBROAD ACCESS
dc.subjectBUSINESS OPPORTUNITIES
dc.subjectCAPITAL ACCUMULATION
dc.subjectCAPITAL MARKET
dc.subjectCAPITAL MARKETS
dc.subjectCHECKING ACCOUNT
dc.subjectCHECKING ACCOUNTS
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCONSUMER PROTECTION
dc.subjectCORRUPTION
dc.subjectCREDIT ASSOCIATIONS
dc.subjectCREDIT CONSTRAINTS
dc.subjectCREDIT GUARANTEE
dc.subjectCREDIT GUARANTEES
dc.subjectCREDIT HISTORIES
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT MARKETS
dc.subjectCREDIT POLICIES
dc.subjectCREDIT RATIONING
dc.subjectCREDIT REGISTRIES
dc.subjectCREDIT SCHEME
dc.subjectCREDIT SCORING
dc.subjectCREDITOR
dc.subjectCREDITORS
dc.subjectCREDITWORTHINESS
dc.subjectDEBT
dc.subjectDEMAND FOR CREDIT
dc.subjectDEPOSIT
dc.subjectDEPOSIT ACCOUNTS
dc.subjectDEPOSITORS
dc.subjectDEPOSITS
dc.subjectDEVELOPMENT FINANCE
dc.subjectDEVELOPMENT FINANCE INSTITUTION
dc.subjectDISCRIMINATION
dc.subjectEARNINGS
dc.subjectECONOMIC DEVELOPMENT
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC OPPORTUNITIES
dc.subjectEMPLOYMENT OPPORTUNITIES
dc.subjectENDOWMENTS
dc.subjectENTERPRISE GROWTH
dc.subjectENTREPRENEURS
dc.subjectEQUALITY OF OPPORTUNITY
dc.subjectEQUITY INVESTMENTS
dc.subjectEXCLUSION
dc.subjectEXTERNAL FINANCE
dc.subjectEXTERNAL FINANCING
dc.subjectEXTERNAL FUNDS
dc.subjectFINANCE COST
dc.subjectFINANCIAL ACCESS
dc.subjectFINANCIAL ASSETS
dc.subjectFINANCIAL DEPTH
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL EXCLUSION
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectFINANCIAL INFRASTRUCTURES
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL LITERACY
dc.subjectFINANCIAL MARKET
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFINANCIAL SECTOR POLICIES
dc.subjectFINANCIAL SECTOR POLICY
dc.subjectFINANCIAL SECTOR REFORM
dc.subjectFINANCIAL SECTOR REFORMS
dc.subjectFINANCIAL SELF-SUFFICIENCY
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SERVICES INDUSTRY
dc.subjectFINANCIAL SUPPORT
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFINANCIAL TECHNOLOGY
dc.subjectFINANCING OBSTACLES
dc.subjectFOREIGN CURRENCY
dc.subjectFOREIGN DIRECT INVESTMENT
dc.subjectFORMAL ECONOMY
dc.subjectFORMAL FINANCIAL SECTOR
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectGENDER
dc.subjectGOVERNMENT FINANCIAL INSTITUTIONS
dc.subjectGOVERNMENT INTERVENTION
dc.subjectGOVERNMENT INTERVENTIONS
dc.subjectGOVERNMENT POLICIES
dc.subjectGOVERNMENT POLICY
dc.subjectGREATER ACCESS
dc.subjectGROUP LENDING
dc.subjectGROWTH OPPORTUNITIES
dc.subjectGUARANTEE SCHEMES
dc.subjectHIDDEN SUBSIDIES
dc.subjectHIGH INTEREST RATES
dc.subjectHOUSEHOLD ACCESS
dc.subjectHOUSEHOLD WELFARE
dc.subjectHOUSEHOLDS
dc.subjectINDICATORS OF ACCESS
dc.subjectINEQUALITIES
dc.subjectINEQUALITY
dc.subjectINFORMAL ECONOMIC ACTIVITY
dc.subjectINFORMAL FINANCE
dc.subjectINFORMATION ASYMMETRIES
dc.subjectINFORMATION INFRASTRUCTURE
dc.subjectINFORMATION INFRASTRUCTURES
dc.subjectINFORMATION SHARING
dc.subjectINSTITUTIONAL REFORM
dc.subjectINSTITUTIONAL REFORMS
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL BANK
dc.subjectINVESTMENT OPPORTUNITIES
dc.subjectLABOR MARKET
dc.subjectLABOR MARKETS
dc.subjectLACK OF ACCESS
dc.subjectLACK OF AWARENESS
dc.subjectLACK OF FINANCE
dc.subjectLENDER
dc.subjectLENDERS
dc.subjectLIMITED ACCESS
dc.subjectLOAN
dc.subjectLOAN APPLICATION
dc.subjectLOAN APPLICATIONS
dc.subjectLOAN OFFICERS
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN SIZES
dc.subjectMAINSTREAM BANKS
dc.subjectMARKET ECONOMY
dc.subjectMFI
dc.subjectMFIS
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMORAL HAZARD
dc.subjectOPEN FINANCIAL MARKETS
dc.subjectOUTREACH
dc.subjectOUTSTANDING LOANS
dc.subjectOVERDRAFT
dc.subjectPARTIAL CREDIT
dc.subjectPAYMENTS SERVICES
dc.subjectPERSONAL ASSETS
dc.subjectPERSONAL BANKRUPTCY
dc.subjectPHYSICAL CAPITAL
dc.subjectPOOR CLIENTS
dc.subjectPREJUDICE
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATE EQUITY
dc.subjectPRIVATIZATION
dc.subjectPROFITABILITY
dc.subjectPROPERTY RIGHTS
dc.subjectPROVISION OF CREDIT
dc.subjectPROVISION OF FINANCE
dc.subjectPUBLIC FUNDS
dc.subjectPUBLIC POLICY
dc.subjectPUBLIC-PRIVATE PARTNERSHIPS
dc.subjectRATES OF INTEREST
dc.subjectRECEIPTS
dc.subjectREMITTANCE
dc.subjectREPAYMENT
dc.subjectREPAYMENT RATES
dc.subjectRISK MANAGEMENT
dc.subjectRISK MITIGATION
dc.subjectSAVINGS
dc.subjectSAVINGS PRODUCTS
dc.subjectSAVINGS SERVICES
dc.subjectSECURITIES
dc.subjectSELF-EXCLUSION
dc.subjectSELF-FINANCING
dc.subjectSMALL BORROWERS
dc.subjectSMALL BUSINESS
dc.subjectSMALL BUSINESS ADMINISTRATION
dc.subjectSMALL ENTERPRISES
dc.subjectSMALL LOANS
dc.subjectSOCIAL JUSTICE
dc.subjectSOCIAL NETWORK
dc.subjectSTART-UPS
dc.subjectSTOCK MARKET
dc.subjectSUBSIDY COST
dc.subjectTRANSACTION COSTS
dc.subjectTRANSACTIONS COSTS
dc.subjectVILLAGES
dc.titleFinance for All? Policies and Pitfalls in Expanding Accessen
dc.title.alternativeFinanzas para todos? Politicas y trampas en la expansion del accesoen
dspace.entity.typePublication
okr.doctypePublications & Research::Publication
okr.doctypePublications & Research::Publication
okr.docurlhttp://documents.worldbank.org/curated/en/2008/01/8865141/finance-all-policies-pitfalls-expanding-access
okr.globalpracticeFinance and Markets
okr.globalpracticeTrade and Competitiveness
okr.guid655101468147554278
okr.guid932501468136179348
okr.guid298851468177537604
okr.identifier.doi10.1596/978-0-8213-7291-3
okr.identifier.externaldocumentum000020953_20071210133522
okr.identifier.internaldocumentum8865141
okr.identifier.report41792
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2007/12/10/000020953_20071210133522/Rendered/PDF/417920PAPER0Fi18082137291301PUBLIC1.pdfen
okr.peerreviewAcademic Peer Review
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.unitOffice of the Publisher (EXTOP)
okr.volume1 of 1
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