Publication:
Improving Access to Banking : Evidence from Kenya

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dc.contributor.authorAllen, Franklin
dc.contributor.authorCarletti, Elena
dc.contributor.authorCull, Robert
dc.contributor.authorQian, Jun
dc.contributor.authorSenbet, Lemma
dc.contributor.authorValenzuela, Patricio
dc.date.accessioned2013-10-02T21:49:23Z
dc.date.available2013-10-02T21:49:23Z
dc.date.issued2013-09
dc.description.abstractUsing household surveys and bank penetration data at the district-level in 2006 and 2009, this paper examines the impact of Equity Bank -- a leading private commercial bank focusing on microfinance -- on access to banking in Kenya. Unlike other commercial banks in Kenya, Equity Bank pursues distinct branching strategies that target underserved areas and less-privileged households. Equity Bank presence has a positive and significant impact on households' use of bank accounts and bank credit, especially for Kenyans with low income, no salaried job, and less education and those who do not own their own home. The findings are robust to using the district-level proportion of people speaking a minority language as an instrument for Equity Bank presence. It appears that Equity Bank's business model -- providing financial services to population segments typically ignored by traditional commercial banks and generating sustainable profits in the process -- can be a solution to the financial access problem that has hindered the development of inclusive financial sectors in many African countries.en
dc.identifierhttp://documents.worldbank.org/curated/en/2013/09/18207020/improving-access-banking-evidence-kenya
dc.identifier.doi10.1596/1813-9450-6593
dc.identifier.urihttps://hdl.handle.net/10986/16044
dc.languageEnglish
dc.language.isoen_US
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesPolicy Research Working Paper;No. 6593
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO BANK
dc.subjectACCESS TO BANK ACCOUNTS
dc.subjectACCESS TO BANKING
dc.subjectACCESS TO BANKING SERVICES
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCOUNT OWNERS
dc.subjectACCOUNT USAGE
dc.subjectADVANCED ECONOMIES
dc.subjectASSET OWNERSHIP
dc.subjectASYMMETRIC INFORMATION
dc.subjectBANK ACCOUNT
dc.subjectBANK ACCOUNTS
dc.subjectBANK BRANCH
dc.subjectBANK BRANCHES
dc.subjectBANK COMPETITION
dc.subjectBANK CREDIT
dc.subjectBANK FAILURE
dc.subjectBANK LOAN
dc.subjectBANK LOANS
dc.subjectBANK SERVICES
dc.subjectBANKING CORPORATION
dc.subjectBANKING NETWORK
dc.subjectBANKING SECTOR
dc.subjectBANKING SECTOR DEVELOPMENT
dc.subjectBANKING SECTOR OUTREACH
dc.subjectBANKING SECTOR STABILITY
dc.subjectBANKING SERVICE
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBIASES
dc.subjectBRANCH LICENSING
dc.subjectBRANCH NETWORKS
dc.subjectCHECKS
dc.subjectCO-OPERATIVE
dc.subjectCO-OPERATIVE BANK
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMUNITY BANK
dc.subjectCONFIDENCE
dc.subjectCONSUMER GOODS
dc.subjectCORPORATION
dc.subjectCOUNTRY COMPARISONS
dc.subjectCREDIT ACCESS
dc.subjectCREDIT BANK
dc.subjectCREDIT GROUPS
dc.subjectCREDIT SCORING
dc.subjectDEPOSIT
dc.subjectDEPOSIT INSURANCE
dc.subjectDEPOSITS
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPMENT BANK
dc.subjectDOMESTIC BANK
dc.subjectDOMESTIC BANKS
dc.subjectDUMMY VARIABLE
dc.subjectDUMMY VARIABLES
dc.subjectECONOMIC DEVELOPMENT
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC SUCCESSES
dc.subjectEDUCATION LEVEL
dc.subjectENTREPRENEURIAL ACTIVITIES
dc.subjectEUROPEAN CENTRAL BANK
dc.subjectFAMILIES
dc.subjectFINANCIAL ACCESS
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL OUTREACH
dc.subjectFINANCIAL PERFORMANCE
dc.subjectFINANCIAL SECTOR REFORMS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL STATEMENTS
dc.subjectFINANCIAL STUDIES
dc.subjectFINANCIAL SUPPORT
dc.subjectFOREIGN BANK
dc.subjectFOREIGN BANKS
dc.subjectFORMAL FINANCE
dc.subjectGENDER
dc.subjectGOVERNMENT BANKS
dc.subjectGOVERNMENT OWNERSHIP
dc.subjectGREATER ACCESS
dc.subjectGROWTH OPPORTUNITIES
dc.subjectHOMEOWNER
dc.subjectHOUSEHOLD ACCESS
dc.subjectHOUSEHOLDS
dc.subjectHUMAN CAPITAL
dc.subjectID
dc.subjectINCOME INEQUALITY
dc.subjectINCOME LEVELS
dc.subjectINDEBTEDNESS
dc.subjectINDIVIDUALS
dc.subjectINEQUALITY
dc.subjectINFORMAL SAVINGS
dc.subjectINSTRUMENT
dc.subjectINTERNATIONAL BANK
dc.subjectINVESTIGATION
dc.subjectLENDERS
dc.subjectLIMITED
dc.subjectLOAN
dc.subjectLOAN PORTFOLIO
dc.subjectLTD.
dc.subjectMFIS
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMINIMUM BALANCE
dc.subjectMOBILE PHONE
dc.subjectMONEY TRANSFER
dc.subjectMORTGAGES
dc.subjectOWNERSHIP STRUCTURE
dc.subjectOWNERSHIP STRUCTURES
dc.subjectPHYSICAL ASSETS
dc.subjectPOOR BORROWERS
dc.subjectPOSITIVE COEFFICIENT
dc.subjectPOSITIVE COEFFICIENTS
dc.subjectPREDOMINANT LANGUAGE
dc.subjectPRIVATE BANK
dc.subjectPRIVATE BANKS
dc.subjectPRIVATE CREDIT
dc.subjectPROVISION OF CREDIT
dc.subjectREMITTANCE
dc.subjectREMITTANCES
dc.subjectREPAYMENT
dc.subjectRURAL BANKS
dc.subjectSAVINGS
dc.subjectSAVINGS MECHANISMS
dc.subjectSAVINGS SERVICES
dc.subjectSHAREHOLDERS
dc.subjectSMALL BUSINESSES
dc.subjectSOCIAL BANKING
dc.subjectSTART-UP
dc.subjectSTOCK EXCHANGE
dc.subjectTRANSITION ECONOMIES
dc.subjectTRIALS
dc.subjectUNIVERSAL BANK
dc.subjectURBAN AREAS
dc.subjectURBANIZATION
dc.subjectEquity Bank
dc.subjectbank penetration
dc.titleImproving Access to Banking : Evidence from Kenyaen
dspace.entity.typePublication
okr.crossref.titleImproving Access to Banking: Evidence from Kenya
okr.date.disclosure2013-09-01
okr.date.doiregistration2025-04-10T09:48:53.043844Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2013/09/18207020/improving-access-banking-evidence-kenya
okr.globalpracticeFinance and Markets
okr.globalpracticeGovernance
okr.guid643551468271843461
okr.identifier.doi10.1596/1813-9450-6593
okr.identifier.externaldocumentum000158349_20130906103307
okr.identifier.internaldocumentum18207020
okr.identifier.reportWPS6593
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2013/09/06/000158349_20130906103307/Rendered/PDF/WPS6593.pdfen
okr.region.administrativeAfrica
okr.region.countryKenya
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicPublic Sector Corruption and Anticorruption Measures
okr.topicLaw and Development::Corporate Law
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicBanks and Banking Reform
okr.topicPublic Sector Development
okr.unitFinance and Private Sector Development Team, Development Research Group
okr.volume1 of 1
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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