Financial access and exclusion in Kenya and Uganda

Susan Johnson, Max Nino-Zarazua

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62 Citations (SciVal)
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Policy emphasis has recently shifted to 'Finance for All' given evidence that financial sector development contributes to growth but effects on poverty do not arise from pro-poor provision. We argue that, given this policy goal, analyses of barriers to access must be country specific and go beyond the emphasis on transactions costs to incorporate the effects of social institutions since these contribute to discrimination. This paper uses data from Financial Access Surveys carried out in 2006 in Kenya and Uganda to investigate the socio-economic, demographic and geographical factors influencing access to and exclusion from formal, semi-formal and informal financial services.
Original languageEnglish
Pages (from-to)475-496
Number of pages22
JournalThe Journal of Development Studies
Issue number3
Publication statusPublished - Mar 2011


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