Microfinance Banks and Household Access to Finance

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Appendix 2d. Serbia: Bank and household locations in 2006 and 2010This graph shows the location of ProCredit Bank branches, retail bank branches and PSUs in Serbia in 2006 and 2010.Serbia, 2006ProCredit, Komercijalna and PSUSerbia, 2010ProCredit, Komercijalna and PSUKomercijalna BankProCredit BankPrimary Sampling Unit (PSU)Komercijalna BankProCredit BankPrimary Sampling Unit (PSU)
Appendix 3. Volume effect: Robustness checksThis table shows difference-in-difference estimates for account use (Account ) for the subsample of thosehouseholds that are not close to a ProCredit branch in 2006. Households in 2006 are matched with households in2010 based on observables (ProCredit Bank close in 2006 (10km, 20km), Retail Bank close in 2006 (10km, 20km),Town close (10km, 20km), Low income, Informal income). Standard errors and number of observations (N) arereported in brackets. ***, **, * denote significance at the 0.01, 0.05 and 0.10-level. Definition and sources of thevariables are provided in table 2.Panel A. Distance threshold: 10kmProCredit close in2010ProCredit not close in2010Difference inDifference (DiD)Retail Bank closeRetail Bank not close0.3464***(0.0374)(N=280)-0.1000(0.1000)(N=10)0.0776*(0.0448)(N=219)0.1141***(0.0228)(N=710)0.2688***(0.0579)(N=499)-0.2141(0.1926)(N=720)Panel B. Distance threshold: 20kmRetail Bank closeRetail Bank not closeProCredit close in20100.3156***(0.0330)(N=358)0.0000(0.2357)(N=9)ProCredit not close in20100.0000(0.0557)(N=123)0.0259(0.0361)(N=270)Difference inDifference (DiD)0.3156***(0.0650)(N=481)-0.0259(0.2024)(N=279)
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 and 32: Table 2. Variable definitions and s
Page 33 and 34: Table 4. Summary statistics of all
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: Appendix 2c. Macedonia: Bank and ho

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