Microfinance Banks and Household Access to Finance

More documents

Recommendations

Info

Table 3. Use of bank accounts and bank branches by countryThis table reports summary statistics per country and year (2006 and 2010) of the Share of households with account at the PSU-level and the Average distance between PSU and Banks(ProCredit and Retail Bank), measured in travel distance by road in kilometers. Definition and sources of the variables are provided in table 2.Year 2006Year 2010All countries Albania Bulgaria Macedonia Serbia All countries Albania Bulgaria Macedonia SerbiaShare of households Mean 0.28 0.19 0.18 0.20 0.55 0.53 0.45 0.30 0.58 0.69with account Minimum per PSU 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Maximum per PSU 0.90 0.70 0.70 0.90 0.90 1.00 1.00 0.94 1.00 1.00ProCredit Number of branches 111 16 44 16 35 254 42 87 42 83branches Average distance to PSU (in km) 21.62 22.26 18.86 17.51 27.84 10.47 11.47 9.89 10.24 10.39Retail bank Number of branches 352 78 59 48 167 633 102 197 58 276branches Average distance to PSU (in km) 10.54 7.51 17.55 7.83 9.24 7.25 5.43 7.28 10.15 6.28
Table 4. Summary statistics of all variables in 2006 and 2010This table reports summary statistics of all variables in the years 2006 and 2010. Definition and sources of the variables are provided in table 2. Ageis expressed in levels (not logarithmized).LITS 2006LITS 2010Variable Mean Std. Dev. Minimum Maximum Mean SD Minimum MaximumAccount 0.28 0.45 0 1 0.53 0.50 0 1ProCredit close 0.36 0.48 0 1 0.57 0.49 0 1Retail Bank close 0.52 0.50 0 1 0.63 0.48 0 1Town close 0.51 0.50 0 1 0.56 0.50 0 1Low income 0.50 0.50 0 1 0.21 0.41 0 1Informal income 0.72 0.45 0 1 0.66 0.47 0 1University degree 0.16 0.36 0 1 0.16 0.37 0 1Household size 3.4 1.7 1 12 3.2 1.6 1 12Age 53.3 14.6 18 98 54.4 14.5 18 95Female 0.21 0.41 0 1 0.24 0.43 0 1Language 0.99 0.10 0 1 0.94 0.23 0 1Muslim 0.26 0.44 0 1 0.27 0.44 0 1Car 0.44 0.50 0 1 0.52 0.50 0 1Computer 0.25 0.43 0 1 0.52 0.50 0 1Mobile phone 0.74 0.44 0 1 0.85 0.36 0 1Internet 0.14 0.34 0 1 0.41 0.49 0 1
Page 1 and 2: Microfinance Banks and Household Ac
Page 4 and 5: stronger increase in the use of ban
Page 6 and 7: and Strøm (2010) examine data for
Page 8 and 9: of this extra interest in terms of
Page 10 and 11: households which have low transacti
Page 13 and 14: 3. Data and Methodology3.1. Life in
Page 15 and 16: anches in our sample increased from
Page 17 and 18: eluctant to use commercial banking
Page 19 and 20: more likely to open new branches in
Page 21 and 22: The results presented in Appendix 3
Page 23 and 24: estimate the location decision of P
Page 25 and 26: etail bank is already present, ProC
Page 27 and 28: household types with the interactio
Page 29 and 30: investment in microfinance banks se
Page 31: Table 2. Variable definitions and s
Page 35 and 36: Table 6. Volume effect: Univariate
Page 37 and 38: Table 8. Location and volume effect
Page 39 and 40: Table 10. Composition effect: Multi
Page 41 and 42: Appendix 2a. Albania: Bank and hous
Page 43 and 44: Appendix 2c. Macedonia: Bank and ho
Page 45: Appendix 3. Volume effect: Robustne

Microfinance Banks and Household Access to Finance

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?