Publication:
Measuring Financial Inclusion : The Global Findex Database

dc.contributor.author Demirguc-Kunt, Asli
dc.contributor.author Klapper, Leora
dc.date.accessioned 2012-04-27T07:44:25Z
dc.date.available 2012-04-27T07:44:25Z
dc.date.issued 2012-04
dc.description.abstract This paper provides the first analysis of the Global Financial Inclusion (Global Findex) Database, a new set of indicators that measure how adults in 148 economies save, borrow, make payments, and manage risk. The data show that 50 percent of adults worldwide have an account at a formal financial institution, though account penetration varies widely across regions, income groups and individual characteristics. In addition, 22 percent of adults report having saved at a formal financial institution in the past 12 months, and 9 percent report having taken out a new loan from a bank, credit union or microfinance institution in the past year. Although half of adults around the world remain unbanked, at least 35 percent of them report barriers to account use that might be addressed by public policy. Among the most commonly reported barriers are high cost, physical distance, and lack of proper documentation, though there are significant differences across regions and individual characteristics. en
dc.identifier http://documents.worldbank.org/curated/en/2012/04/16232817/measuring-financial-inclusion-global-findex-database
dc.identifier.uri http://hdl.handle.net/10986/6042
dc.language English
dc.publisher World Bank, Washington, DC
dc.relation.ispartofseries Policy Research Working Paper ; No. 6025
dc.rights CC BY 3.0 IGO
dc.rights.holder World Bank
dc.rights.uri http://creativecommons.org/licenses/by/3.0/igo
dc.subject ACCESS BARRIERS
dc.subject ACCESS TO ACCOUNTS
dc.subject ACCESS TO CREDIT
dc.subject ACCESS TO FINANCE
dc.subject ACCESS TO FINANCIAL SERVICES
dc.subject ACCESS TO SAVINGS
dc.subject ACCOUNT HOLDERS
dc.subject ACCOUNT OWNERSHIP
dc.subject ACCOUNTING
dc.subject AFFORDABILITY
dc.subject AGRICULTURE
dc.subject ALTERNATIVE BANKING
dc.subject ANTI-MONEY LAUNDERING
dc.subject ASSET ACCUMULATION
dc.subject ATM CARD
dc.subject ATM CARDS
dc.subject AUTOMATED TELLER MACHINES
dc.subject BANK ACCOUNT
dc.subject BANK BRANCH
dc.subject BANK BRANCHES
dc.subject BANK REGULATION
dc.subject BANKING SECTOR
dc.subject BANKING SERVICES
dc.subject BANKS
dc.subject BARRIER
dc.subject BENCHMARK
dc.subject BENCHMARKING
dc.subject BONDS
dc.subject BROAD ACCESS
dc.subject BUSINESS PURPOSES
dc.subject BUSINESSES
dc.subject CELL PHONE
dc.subject CENTRAL BANK
dc.subject CHECKING ACCOUNT
dc.subject COMMODITIES
dc.subject CONSUMERS
dc.subject CORRUPTION
dc.subject CREDIT ASSOCIATION
dc.subject CREDIT CARD
dc.subject CREDIT CARDS
dc.subject CREDIT UNION
dc.subject CULTURAL NORMS
dc.subject DATA COVERAGE
dc.subject DEBIT CARD
dc.subject DEBIT CARDS
dc.subject DEPOSIT
dc.subject DEPOSIT ACCOUNTS
dc.subject DEPOSIT INSURANCE
dc.subject DEPOSITS
dc.subject DEVELOPING ECONOMIES
dc.subject DEVELOPMENT POLICY
dc.subject DISCRIMINATION
dc.subject DOCUMENTATION REQUIREMENTS
dc.subject EARNINGS
dc.subject ECONOMIC CRISES
dc.subject ECONOMIC GROWTH
dc.subject ECONOMIC INEQUALITY
dc.subject EDUCATION LEVEL
dc.subject ELECTRONIC BILL
dc.subject ELECTRONIC PAYMENT
dc.subject ELECTRONIC PAYMENTS
dc.subject EMERGING MARKETS
dc.subject EMPLOYER
dc.subject EMPLOYERS
dc.subject EMPLOYMENT OPPORTUNITIES
dc.subject ENTREPRENEURS
dc.subject ENTRY POINT
dc.subject EXCLUSION
dc.subject EXISTING INFRASTRUCTURE
dc.subject EXPATRIATES
dc.subject FINANCES
dc.subject FINANCIAL ACCESS
dc.subject FINANCIAL CRISIS
dc.subject FINANCIAL DEPTH
dc.subject FINANCIAL DEVELOPMENT
dc.subject FINANCIAL INSTITUTIONS
dc.subject FINANCIAL LITERACY
dc.subject FINANCIAL MANAGEMENT
dc.subject FINANCIAL OUTREACH
dc.subject FINANCIAL PRODUCTS
dc.subject FINANCIAL SERVICE
dc.subject FINANCIAL SERVICE PROVIDERS
dc.subject FINANCIAL SUPPORT
dc.subject FINANCIAL SYSTEM
dc.subject FINANCIAL SYSTEMS
dc.subject FINANCIAL TRANSACTIONS
dc.subject FORMAL BANKING
dc.subject FORMAL BORROWING
dc.subject FORMAL CREDIT
dc.subject FORMAL FINANCIAL INSTITUTION
dc.subject FORMAL FINANCIAL INSTITUTIONS
dc.subject FORMAL FINANCIAL SECTOR
dc.subject FORMAL FINANCIAL SERVICES
dc.subject FRAUD
dc.subject GDP
dc.subject GDP PER CAPITA
dc.subject GENDER
dc.subject GENDER GAP
dc.subject GEOGRAPHIC ACCESS
dc.subject GINI COEFFICIENT
dc.subject GOVERNMENT SECURITIES
dc.subject GROWTH OPPORTUNITIES
dc.subject HOUSEHOLD ACCESS
dc.subject HOUSEHOLD FINANCE
dc.subject HOUSEHOLD INCOME
dc.subject HOUSEHOLDS
dc.subject INACTIVE ACCOUNT
dc.subject INCOME CATEGORY
dc.subject INCOME DISTRIBUTION
dc.subject INCOME GROUP
dc.subject INCOME GROUPS
dc.subject INCOME INEQUALITY
dc.subject INCOME LEVELS
dc.subject INEQUALITY
dc.subject INFLATION
dc.subject INFORMAL LENDER
dc.subject INFORMAL SAVING
dc.subject INFORMAL SAVINGS
dc.subject INNOVATIONS
dc.subject INSTITUTIONAL INFRASTRUCTURE
dc.subject INSURANCE PRODUCTS
dc.subject INTERNATIONAL BANK
dc.subject INTERNATIONAL COMPARISON
dc.subject ISLAMIC LOAN
dc.subject LACK OF AWARENESS
dc.subject LIFE EXPECTANCY
dc.subject LIVESTOCK INSURANCE
dc.subject LOAN
dc.subject LOW-INCOME ECONOMIES
dc.subject MICROFINANCE
dc.subject MICROFINANCE INSTITUTION
dc.subject MIDDLE-INCOME ECONOMIES
dc.subject MINIMUM BALANCES
dc.subject MOBILE BANKING
dc.subject MOBILE PHONE
dc.subject MOBILE PHONE SUBSCRIBERS
dc.subject MOBILE PHONES
dc.subject MORTGAGE
dc.subject NATIONAL INCOME
dc.subject NEW PRODUCTS
dc.subject ONLINE PAYMENTS
dc.subject OPEN ACCESS
dc.subject OUTSTANDING LOAN
dc.subject PAYMENT SYSTEMS
dc.subject PENSION
dc.subject PERSONAL ASSET
dc.subject PERSONAL FINANCES
dc.subject PHONE NUMBERS
dc.subject PHONE PENETRATION
dc.subject PHYSICAL ACCESS
dc.subject PHYSICAL DISTANCE
dc.subject POST OFFICE
dc.subject POST OFFICES
dc.subject PRIVATE SECTOR
dc.subject PRIVATE SECTOR DEVELOPMENT
dc.subject PRODUCTIVITY
dc.subject PROPENSITY TO SAVE
dc.subject PUBLIC POLICIES
dc.subject PUBLIC POLICY
dc.subject RECEIPT
dc.subject REGRESSION ANALYSIS
dc.subject REGULATORS
dc.subject RELIABILITY
dc.subject REMITTANCE
dc.subject REMITTANCES
dc.subject RESULT
dc.subject RESULTS
dc.subject RETAIL STORE
dc.subject RETAIL STORES
dc.subject RISK MANAGEMENT
dc.subject SAVINGS
dc.subject SAVINGS ACCOUNT
dc.subject SAVINGS ACCOUNTS
dc.subject SAVINGS BEHAVIOR
dc.subject SAVINGS BONDS
dc.subject SAVINGS GROUP
dc.subject SECURITY CONCERNS
dc.subject SECURITY RISKS
dc.subject SELF-EMPLOYMENT
dc.subject SMALL ENTERPRISES
dc.subject SOURCE OF INCOME
dc.subject SUPERVISION
dc.subject SUPPLY OF CREDIT
dc.subject TELEPHONE
dc.subject TELEPHONE COVERAGE
dc.subject TELLERS
dc.subject TERM CREDIT
dc.subject TRADITIONAL BANKING
dc.subject TRANSACTION
dc.subject TRANSACTIONS COSTS
dc.subject TRANSITION ECONOMIES
dc.subject USER
dc.subject USERS
dc.subject USES
dc.subject WAGES
dc.subject WEALTH
dc.subject WEB
dc.subject WIRE TRANSFERS
dc.subject WITHDRAWAL FEES
dc.subject WORLD DEVELOPMENT INDICATORS
dc.subject Microdata Set
dc.title Measuring Financial Inclusion : The Global Findex Database en
dspace.entity.type Publication
okr.date.disclosure 2012-04-01
okr.doctype Publications & Research :: Policy Research Working Paper
okr.doctype Publications & Research
okr.docurl http://documents.worldbank.org/curated/en/2012/04/16232817/measuring-financial-inclusion-global-findex-database
okr.globalpractice Macroeconomics and Fiscal Management
okr.globalpractice Finance and Markets
okr.globalpractice Transport and ICT
okr.globalpractice Trade and Competitiveness
okr.identifier.doi 10.1596/1813-9450-6025
okr.identifier.externaldocumentum 000158349_20120419083611
okr.identifier.internaldocumentum 16232817
okr.identifier.report WPS6025
okr.language.supported en
okr.pdfurl http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2012/04/19/000158349_20120419083611/Rendered/PDF/WPS6025.pdf en
okr.relation.associateddataset http://microdata.worldbank.org/index.php/catalog/global-findex
okr.topic Private Sector Development :: E-Business
okr.topic Banks and Banking Reform
okr.topic Private Sector Development :: Emerging Markets
okr.topic Economic Theory and Research
okr.topic Finance and Financial Sector Development :: Access to Finance
okr.topic Macroeconomics and Economic Growth
okr.unit Development Research Group (DECRG)
okr.volume 1 of 1
relation.isAuthorOfPublication 234a20c0-893c-561a-8c90-6f5be5be5b9b
relation.isAuthorOfPublication e0a9502f-8574-53b5-bf27-732f5a6026e2
relation.isSeriesOfPublication 26e071dc-b0bf-409c-b982-df2970295c87
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