Publication:
Measuring Financial Inclusion : The Global Findex Database

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dc.contributor.authorDemirguc-Kunt, Asli
dc.contributor.authorKlapper, Leora
dc.date.accessioned2012-04-27T07:44:25Z
dc.date.available2012-04-27T07:44:25Z
dc.date.issued2012-04
dc.description.abstractThis 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.identifierhttp://documents.worldbank.org/curated/en/2012/04/16232817/measuring-financial-inclusion-global-findex-database
dc.identifier.doi10.1596/1813-9450-6025
dc.identifier.urihttps://hdl.handle.net/10986/6042
dc.languageEnglish
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesPolicy Research Working Paper ; No. 6025
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo
dc.subjectACCESS BARRIERS
dc.subjectACCESS TO ACCOUNTS
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO SAVINGS
dc.subjectACCOUNT HOLDERS
dc.subjectACCOUNT OWNERSHIP
dc.subjectACCOUNTING
dc.subjectAFFORDABILITY
dc.subjectAGRICULTURE
dc.subjectALTERNATIVE BANKING
dc.subjectANTI-MONEY LAUNDERING
dc.subjectASSET ACCUMULATION
dc.subjectATM CARD
dc.subjectATM CARDS
dc.subjectAUTOMATED TELLER MACHINES
dc.subjectBANK ACCOUNT
dc.subjectBANK BRANCH
dc.subjectBANK BRANCHES
dc.subjectBANK REGULATION
dc.subjectBANKING SECTOR
dc.subjectBANKING SERVICES
dc.subjectBANKS
dc.subjectBARRIER
dc.subjectBENCHMARK
dc.subjectBENCHMARKING
dc.subjectBONDS
dc.subjectBROAD ACCESS
dc.subjectBUSINESS PURPOSES
dc.subjectBUSINESSES
dc.subjectCELL PHONE
dc.subjectCENTRAL BANK
dc.subjectCHECKING ACCOUNT
dc.subjectCOMMODITIES
dc.subjectCONSUMERS
dc.subjectCORRUPTION
dc.subjectCREDIT ASSOCIATION
dc.subjectCREDIT CARD
dc.subjectCREDIT CARDS
dc.subjectCREDIT UNION
dc.subjectCULTURAL NORMS
dc.subjectDATA COVERAGE
dc.subjectDEBIT CARD
dc.subjectDEBIT CARDS
dc.subjectDEPOSIT
dc.subjectDEPOSIT ACCOUNTS
dc.subjectDEPOSIT INSURANCE
dc.subjectDEPOSITS
dc.subjectDEVELOPING ECONOMIES
dc.subjectDEVELOPMENT POLICY
dc.subjectDISCRIMINATION
dc.subjectDOCUMENTATION REQUIREMENTS
dc.subjectEARNINGS
dc.subjectECONOMIC CRISES
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC INEQUALITY
dc.subjectEDUCATION LEVEL
dc.subjectELECTRONIC BILL
dc.subjectELECTRONIC PAYMENT
dc.subjectELECTRONIC PAYMENTS
dc.subjectEMERGING MARKETS
dc.subjectEMPLOYER
dc.subjectEMPLOYERS
dc.subjectEMPLOYMENT OPPORTUNITIES
dc.subjectENTREPRENEURS
dc.subjectENTRY POINT
dc.subjectEXCLUSION
dc.subjectEXISTING INFRASTRUCTURE
dc.subjectEXPATRIATES
dc.subjectFINANCES
dc.subjectFINANCIAL ACCESS
dc.subjectFINANCIAL CRISIS
dc.subjectFINANCIAL DEPTH
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL LITERACY
dc.subjectFINANCIAL MANAGEMENT
dc.subjectFINANCIAL OUTREACH
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SUPPORT
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFINANCIAL TRANSACTIONS
dc.subjectFORMAL BANKING
dc.subjectFORMAL BORROWING
dc.subjectFORMAL CREDIT
dc.subjectFORMAL FINANCIAL INSTITUTION
dc.subjectFORMAL FINANCIAL INSTITUTIONS
dc.subjectFORMAL FINANCIAL SECTOR
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectFRAUD
dc.subjectGDP
dc.subjectGDP PER CAPITA
dc.subjectGENDER
dc.subjectGENDER GAP
dc.subjectGEOGRAPHIC ACCESS
dc.subjectGINI COEFFICIENT
dc.subjectGOVERNMENT SECURITIES
dc.subjectGROWTH OPPORTUNITIES
dc.subjectHOUSEHOLD ACCESS
dc.subjectHOUSEHOLD FINANCE
dc.subjectHOUSEHOLD INCOME
dc.subjectHOUSEHOLDS
dc.subjectINACTIVE ACCOUNT
dc.subjectINCOME CATEGORY
dc.subjectINCOME DISTRIBUTION
dc.subjectINCOME GROUP
dc.subjectINCOME GROUPS
dc.subjectINCOME INEQUALITY
dc.subjectINCOME LEVELS
dc.subjectINEQUALITY
dc.subjectINFLATION
dc.subjectINFORMAL LENDER
dc.subjectINFORMAL SAVING
dc.subjectINFORMAL SAVINGS
dc.subjectINNOVATIONS
dc.subjectINSTITUTIONAL INFRASTRUCTURE
dc.subjectINSURANCE PRODUCTS
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL COMPARISON
dc.subjectISLAMIC LOAN
dc.subjectLACK OF AWARENESS
dc.subjectLIFE EXPECTANCY
dc.subjectLIVESTOCK INSURANCE
dc.subjectLOAN
dc.subjectLOW-INCOME ECONOMIES
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMIDDLE-INCOME ECONOMIES
dc.subjectMINIMUM BALANCES
dc.subjectMOBILE BANKING
dc.subjectMOBILE PHONE
dc.subjectMOBILE PHONE SUBSCRIBERS
dc.subjectMOBILE PHONES
dc.subjectMORTGAGE
dc.subjectNATIONAL INCOME
dc.subjectNEW PRODUCTS
dc.subjectONLINE PAYMENTS
dc.subjectOPEN ACCESS
dc.subjectOUTSTANDING LOAN
dc.subjectPAYMENT SYSTEMS
dc.subjectPENSION
dc.subjectPERSONAL ASSET
dc.subjectPERSONAL FINANCES
dc.subjectPHONE NUMBERS
dc.subjectPHONE PENETRATION
dc.subjectPHYSICAL ACCESS
dc.subjectPHYSICAL DISTANCE
dc.subjectPOST OFFICE
dc.subjectPOST OFFICES
dc.subjectPRIVATE SECTOR
dc.subjectPRIVATE SECTOR DEVELOPMENT
dc.subjectPRODUCTIVITY
dc.subjectPROPENSITY TO SAVE
dc.subjectPUBLIC POLICIES
dc.subjectPUBLIC POLICY
dc.subjectRECEIPT
dc.subjectREGRESSION ANALYSIS
dc.subjectREGULATORS
dc.subjectRELIABILITY
dc.subjectREMITTANCE
dc.subjectREMITTANCES
dc.subjectRESULT
dc.subjectRESULTS
dc.subjectRETAIL STORE
dc.subjectRETAIL STORES
dc.subjectRISK MANAGEMENT
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNT
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS BEHAVIOR
dc.subjectSAVINGS BONDS
dc.subjectSAVINGS GROUP
dc.subjectSECURITY CONCERNS
dc.subjectSECURITY RISKS
dc.subjectSELF-EMPLOYMENT
dc.subjectSMALL ENTERPRISES
dc.subjectSOURCE OF INCOME
dc.subjectSUPERVISION
dc.subjectSUPPLY OF CREDIT
dc.subjectTELEPHONE
dc.subjectTELEPHONE COVERAGE
dc.subjectTELLERS
dc.subjectTERM CREDIT
dc.subjectTRADITIONAL BANKING
dc.subjectTRANSACTION
dc.subjectTRANSACTIONS COSTS
dc.subjectTRANSITION ECONOMIES
dc.subjectUSER
dc.subjectUSERS
dc.subjectUSES
dc.subjectWAGES
dc.subjectWEALTH
dc.subjectWEB
dc.subjectWIRE TRANSFERS
dc.subjectWITHDRAWAL FEES
dc.subjectWORLD DEVELOPMENT INDICATORS
dc.subjectMicrodata Set
dc.titleMeasuring Financial Inclusion : The Global Findex Databaseen
dspace.entity.typePublication
okr.crossref.titleMeasuring Financial Inclusion: The Global Findex Database
okr.date.disclosure2012-04-01
okr.date.doiregistration2025-04-10T11:00:50.016965Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2012/04/16232817/measuring-financial-inclusion-global-findex-database
okr.globalpracticeMacroeconomics and Fiscal Management
okr.globalpracticeFinance and Markets
okr.globalpracticeTransport and ICT
okr.globalpracticeTrade and Competitiveness
okr.guid453121468331738740
okr.identifier.doi10.1596/1813-9450-6025
okr.identifier.externaldocumentum000158349_20120419083611
okr.identifier.internaldocumentum16232817
okr.identifier.reportWPS6025
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2012/04/19/000158349_20120419083611/Rendered/PDF/WPS6025.pdfen
okr.relation.associateddatasethttp://microdata.worldbank.org/index.php/catalog/global-findex
okr.topicPrivate Sector Development::E-Business
okr.topicBanks and Banking Reform
okr.topicPrivate Sector Development::Emerging Markets
okr.topicEconomic Theory and Research
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicMacroeconomics and Economic Growth
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isAuthorOfPublication234a20c0-893c-561a-8c90-6f5be5be5b9b
relation.isAuthorOfPublicatione0a9502f-8574-53b5-bf27-732f5a6026e2
relation.isAuthorOfPublication.latestForDiscoverye0a9502f-8574-53b5-bf27-732f5a6026e2
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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