Financial access and exclusion in Kenya and Uganda

Susan Johnson, Max Nino-Zarazua

Research output: Contribution to journalArticle

33 Citations (Scopus)
77 Downloads (Pure)

Abstract

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
Volume47
Issue number3
DOIs
Publication statusPublished - Mar 2011

Fingerprint

Uganda
Kenya
exclusion
geographical factors
financial services
transaction cost
financial service
social institution
demographic factors
transaction costs
economic factors
finance
poverty
discrimination
evidence
effect
policy
socioeconomics

Cite this

Financial access and exclusion in Kenya and Uganda. / Johnson, Susan; Nino-Zarazua, Max.

In: The Journal of Development Studies, Vol. 47, No. 3, 03.2011, p. 475-496.

Research output: Contribution to journalArticle

Johnson, Susan ; Nino-Zarazua, Max. / Financial access and exclusion in Kenya and Uganda. In: The Journal of Development Studies. 2011 ; Vol. 47, No. 3. pp. 475-496.
@article{a80b4548434a411ebb24f2f3de2dc186,
title = "Financial access and exclusion in Kenya and Uganda",
abstract = "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.",
author = "Susan Johnson and Max Nino-Zarazua",
year = "2011",
month = "3",
doi = "10.1080/00220388.2010.492857",
language = "English",
volume = "47",
pages = "475--496",
journal = "The Journal of Development Studies",
issn = "0022-0388",
publisher = "Routledge",
number = "3",

}

TY - JOUR

T1 - Financial access and exclusion in Kenya and Uganda

AU - Johnson, Susan

AU - Nino-Zarazua, Max

PY - 2011/3

Y1 - 2011/3

N2 - 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.

AB - 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.

UR - http://www.scopus.com/inward/record.url?scp=79953729057&partnerID=8YFLogxK

UR - http://dx.doi.org/10.1080/00220388.2010.492857

U2 - 10.1080/00220388.2010.492857

DO - 10.1080/00220388.2010.492857

M3 - Article

VL - 47

SP - 475

EP - 496

JO - The Journal of Development Studies

JF - The Journal of Development Studies

SN - 0022-0388

IS - 3

ER -