Measuring Financial Inclusion : The Global Findex Database

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dc.contributor.author
Demirguc-Kunt, Asli
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dc.contributor.author
Klapper, Leora
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dc.date.accessioned
2012-04-27T07:44:25Z
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dc.date.available
2012-04-27T07:44:25Z
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dc.date.issued
2012-04
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dc.identifier.uri
http://hdl.handle.net/10986/6042
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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.
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dc.language
English
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dc.publisher
World Bank, Washington, DC
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dc.relation.ispartofseries
Policy Research Working Paper ; No. 6025
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dc.rights
CC BY 3.0 IGO
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dc.rights.uri
http://creativecommons.org/licenses/by/3.0/igo
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dc.subject
ACCESS BARRIERS
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ACCESS TO ACCOUNTS
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ACCESS TO CREDIT
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ACCESS TO FINANCE
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ACCESS TO FINANCIAL SERVICES
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ACCESS TO SAVINGS
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ACCOUNT HOLDERS
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ACCOUNT OWNERSHIP
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ACCOUNTING
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AFFORDABILITY
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AGRICULTURE
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ALTERNATIVE BANKING
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ANTI-MONEY LAUNDERING
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ASSET ACCUMULATION
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ATM CARD
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ATM CARDS
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AUTOMATED TELLER MACHINES
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BANK ACCOUNT
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BANK BRANCH
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BANK BRANCHES
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BANK REGULATION
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BANKING SECTOR
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BANKING SERVICES
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BANKS
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BARRIER
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BENCHMARK
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BENCHMARKING
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BONDS
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BROAD ACCESS
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dc.subject
BUSINESS PURPOSES
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dc.subject
BUSINESSES
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dc.subject
CELL PHONE
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dc.subject
CENTRAL BANK
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dc.subject
CHECKING ACCOUNT
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dc.subject
COMMODITIES
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dc.subject
CONSUMERS
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dc.subject
CORRUPTION
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CREDIT ASSOCIATION
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CREDIT CARD
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CREDIT CARDS
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CREDIT UNION
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CULTURAL NORMS
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DATA COVERAGE
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DEBIT CARD
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dc.subject
DEBIT CARDS
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DEPOSIT
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dc.subject
DEPOSIT ACCOUNTS
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DEPOSIT INSURANCE
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dc.subject
DEPOSITS
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dc.subject
DEVELOPING ECONOMIES
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dc.subject
DEVELOPMENT POLICY
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dc.subject
DISCRIMINATION
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dc.subject
DOCUMENTATION REQUIREMENTS
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dc.subject
EARNINGS
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dc.subject
ECONOMIC CRISES
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dc.subject
ECONOMIC GROWTH
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ECONOMIC INEQUALITY
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dc.subject
EDUCATION LEVEL
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dc.subject
ELECTRONIC BILL
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ELECTRONIC PAYMENT
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dc.subject
ELECTRONIC PAYMENTS
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dc.subject
EMERGING MARKETS
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dc.subject
EMPLOYER
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EMPLOYERS
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dc.subject
EMPLOYMENT OPPORTUNITIES
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dc.subject
ENTREPRENEURS
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ENTRY POINT
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EXCLUSION
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EXISTING INFRASTRUCTURE
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dc.subject
EXPATRIATES
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FINANCES
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FINANCIAL ACCESS
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FINANCIAL CRISIS
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FINANCIAL DEPTH
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FINANCIAL DEVELOPMENT
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FINANCIAL INSTITUTIONS
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dc.subject
FINANCIAL LITERACY
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FINANCIAL MANAGEMENT
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FINANCIAL OUTREACH
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FINANCIAL PRODUCTS
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FINANCIAL SERVICE
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FINANCIAL SERVICE PROVIDERS
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FINANCIAL SUPPORT
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FINANCIAL SYSTEM
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FINANCIAL SYSTEMS
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FINANCIAL TRANSACTIONS
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dc.subject
FORMAL BANKING
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FORMAL BORROWING
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FORMAL CREDIT
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FORMAL FINANCIAL INSTITUTION
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FORMAL FINANCIAL INSTITUTIONS
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FORMAL FINANCIAL SECTOR
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FORMAL FINANCIAL SERVICES
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FRAUD
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GDP
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GDP PER CAPITA
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GENDER
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GENDER GAP
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GEOGRAPHIC ACCESS
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GINI COEFFICIENT
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GOVERNMENT SECURITIES
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GROWTH OPPORTUNITIES
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dc.subject
HOUSEHOLD ACCESS
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HOUSEHOLD FINANCE
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HOUSEHOLD INCOME
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HOUSEHOLDS
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INACTIVE ACCOUNT
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INCOME CATEGORY
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INCOME DISTRIBUTION
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INCOME GROUP
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INCOME GROUPS
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INCOME INEQUALITY
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INCOME LEVELS
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INEQUALITY
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INFLATION
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INFORMAL LENDER
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INFORMAL SAVING
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INFORMAL SAVINGS
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INNOVATIONS
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INSTITUTIONAL INFRASTRUCTURE
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INSURANCE PRODUCTS
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INTERNATIONAL BANK
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INTERNATIONAL COMPARISON
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ISLAMIC LOAN
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LACK OF AWARENESS
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LIFE EXPECTANCY
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LIVESTOCK INSURANCE
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LOAN
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LOW-INCOME ECONOMIES
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MICROFINANCE
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MICROFINANCE INSTITUTION
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MIDDLE-INCOME ECONOMIES
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MINIMUM BALANCES
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MOBILE BANKING
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MOBILE PHONE
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MOBILE PHONE SUBSCRIBERS
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MOBILE PHONES
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MORTGAGE
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NATIONAL INCOME
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NEW PRODUCTS
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ONLINE PAYMENTS
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OPEN ACCESS
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OUTSTANDING LOAN
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PAYMENT SYSTEMS
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PENSION
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PERSONAL ASSET
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PERSONAL FINANCES
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PHONE NUMBERS
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PHONE PENETRATION
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PHYSICAL ACCESS
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PHYSICAL DISTANCE
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POST OFFICE
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POST OFFICES
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PRIVATE SECTOR
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PRIVATE SECTOR DEVELOPMENT
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PRODUCTIVITY
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PROPENSITY TO SAVE
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PUBLIC POLICIES
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PUBLIC POLICY
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RECEIPT
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REGRESSION ANALYSIS
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REGULATORS
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RELIABILITY
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REMITTANCE
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REMITTANCES
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RESULT
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RESULTS
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RETAIL STORE
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RETAIL STORES
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RISK MANAGEMENT
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SAVINGS
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SAVINGS ACCOUNT
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SAVINGS ACCOUNTS
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SAVINGS BEHAVIOR
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SAVINGS BONDS
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SAVINGS GROUP
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SECURITY CONCERNS
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SECURITY RISKS
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SELF-EMPLOYMENT
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SMALL ENTERPRISES
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SOURCE OF INCOME
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SUPERVISION
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SUPPLY OF CREDIT
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TELEPHONE
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TELEPHONE COVERAGE
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TELLERS
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TERM CREDIT
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TRADITIONAL BANKING
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TRANSACTION
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TRANSACTIONS COSTS
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TRANSITION ECONOMIES
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USER
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USERS
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USES
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WAGES
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WEALTH
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WEB
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dc.subject
WIRE TRANSFERS
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WITHDRAWAL FEES
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dc.subject
WORLD DEVELOPMENT INDICATORS
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dc.subject
Microdata Set
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dc.title
Measuring Financial Inclusion : The Global Findex Database
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okr.identifier.externaldocumentum
000158349_20120419083611
en_US
okr.identifier.internaldocumentum
16232817
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okr.volume
1 of 1
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okr.date.disclosure
2012-04-01
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okr.topic
Private Sector Development :: E-Business
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okr.topic
Banks and Banking Reform
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okr.topic
Private Sector Development :: Emerging Markets
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okr.topic
Economic Theory and Research
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okr.topic
Finance and Financial Sector Development :: Access to Finance
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okr.topic
Macroeconomics and Economic Growth
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okr.identifier.report
WPS6025
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okr.identifier.doi
10.1596/1813-9450-6025
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okr.unit
Development Research Group (DECRG)
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okr.doctype
Publications & Research :: Policy Research Working Paper
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okr.doctype
Publications & Research
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dc.rights.holder
World Bank
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okr.relation.associateddataset
http://microdata.worldbank.org/index.php/catalog/global-findex
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okr.globalpractice
Macroeconomics and Fiscal Management
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okr.globalpractice
Finance and Markets
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okr.globalpractice
Transport and ICT
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okr.globalpractice
Trade and Competitiveness
en_US
okr.googlescholar.linkpresent
yes

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