Access to and Use of Bank Services in Nigeria: Micro-Econometric Evidence

Efobi, Uchenna; Beecroft, Ibukun; Osabuohien, Evans

doi:10.2139/ssrn.2460961

Cited by 23 publications

(30 citation statements)

References 23 publications

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“…This shows that an individual who is financial discipline is better off in terms of welfare than financially indiscipline individuals. This result is inline with the finding of (Efobi, 2014) that an individual who is financially discipline is economically prudent and always avoid wastage and engage in productive investment to improve welfare. Employment level shows a significant and negative relationship with poverty at 5% level.…”

Section: Financial Inclusion As An Effective Policy Tool Of Poverty Asupporting

confidence: 83%

Financial Inclusion as an Effective Policy Tool of Poverty Alleviation: A Case of Ekiti State

Sanya¹,

Olumide²

2017

IOSR JEF

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Section: Financial Inclusion As An Effective Policy Tool Of Poverty Asupporting

confidence: 83%

Financial Inclusion as an Effective Policy Tool of Poverty Alleviation: A Case of Ekiti State

Sanya¹,

Olumide²

2017

IOSR JEF

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“…Studies on the determinants and barriers to financial inclusion and those relating access to financial services to development outcomes are somewhat budding because of lack of appropriate data for such analyses (Efobi et al, 2014). Nonetheless, since the recent effort on households-level survey data collection in more than 140 countries, there has been a renewed interest in measuring and identifying factors that matter for financial inclusion, especially in developing countries.…”

Section: Literature Reviewmentioning

confidence: 99%

“…Instead of constructing an indicator of financial inclusion, as in Allen et al (2016), Efobi et al (2014) have considered three indicators of financial inclusion in their investigation of the determinants of access to and use of financial services in Nigeria based on the 2011 World Bank Households Survey data on financial inclusion. The authors have introduced in addition variables such as "financial discipline" and "ICT inclination" as explanatory variables.…”

Section: Literature Reviewmentioning

confidence: 99%

Demand-driven determinants and self-reported barriers to financial inclusion in the West African Economic and Monetary Union (WAEMU)

Lanie¹

2017

J. Econ. Int. Finance

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"Access to finance for all" has gained attention in the international development agenda in recent years. In the West African Economic and Monetary Union (WAEMU), the issue of financial inclusion is set at the level of priority but in several dimensions of financial inclusion, countries of the union lag behind the Sub-Saharan Africa and Asian benchmark countries. In this paper, factors that are important for financial inclusion in WAEMU are identified and it is investigated whether these factors are correlated with self-reported barriers to financial inclusion using the 2014 Gallup World Poll Survey data. The results indicate that, the variables: Age, sex, employment status, educational attainment and level of income are all determinants of financial inclusion in WAEMU. The results of the relationship between self-reported barriers and individuals' characteristics show that, educational level and income are the main factors that affect the livelihood of reporting a barrier to financial inclusion in WAEMU.

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“…This convergence is in line with a growing stream of literature on post-2015 Sustainable Development objectives (United Nations: UN, 2013: 7-13;Ncube et al, 2014;Singh, 2014). 4 Access to and use of bank services remain substantial issues affecting African development (Efobi et al, 2014;Aikaeli, 2011;Muchai, 2013).…”

Section: Introductionmentioning

confidence: 99%

Mobile Phone Penetration, Mobile Banking and Inclusive Development in Africa

Asongu

Nwachukwu

2016

SSRN Journal

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The study assesses the role of mobile phones and mobile banking in decreasing inequality in 52African countries. The empirical procedure involves first, examining the income-redistributive effect of mobile phone penetration and then investigating the contribution of mobile banking services in this relationship. The findings suggest an equalizing income-redistributive effect of 'mobile phone penetration' and 'mobile banking', with a higher income-equalizing effect from mobile banking compared to mobile phone penetration. Poverty alleviation channels explaining this difference in inequality mitigating propensity are discussed.

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Access to and Use of Bank Services in Nigeria: Micro-Econometric Evidence

Cited by 23 publications

References 23 publications

Financial Inclusion as an Effective Policy Tool of Poverty Alleviation: A Case of Ekiti State

Financial Inclusion as an Effective Policy Tool of Poverty Alleviation: A Case of Ekiti State

Demand-driven determinants and self-reported barriers to financial inclusion in the West African Economic and Monetary Union (WAEMU)

Mobile Phone Penetration, Mobile Banking and Inclusive Development in Africa

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