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  • 1
    Language: English
    Pages: 1 Online-Ressource (circa 18 Seiten) , Illustrationen
    Series Statement: Policy research working paper 9078
    Series Statement: World Bank E-Library Archive
    Series Statement: Policy research working paper
    Parallel Title: Erscheint auch als Leora Klapper Financial Risk Management in Agriculture: Analyzing Data from a New Module of the Global Findex Database
    Keywords: Graue Literatur
    Abstract: The ability to manage financial risk is especially important for people earning their living through agriculture. Many farmers only get paid once or twice a year, and households need to stretch their earnings across the year by saving or borrowing money. Moreover, agricultural production faces a variety of risks related to both production and markets because of their exposure to weather and disease shocks. Households engaged in agriculture may thus especially benefit from financial inclusion-access to and use of formal financial services. This paper explores the topic of financial risk management in agriculture-how adults who rely on growing crops or raising livestock as their household's main source of income manage financial risk and use financial services. The paper summarizes new data based on a nationally representative survey of about 15,000 adults in 15 lower-middle- and low-income Sub-Saharan African economies collected as part of the World Bank's Global Findex database. The majority of these adults reported suffering a bad harvest or significant livestock loss in the past five years, and most bear the entire financial risk of such a loss. Most adults in agricultural households lack the financial tools-such as insurance, accounts, savings, and credit-that could help them manage financial risks
    Library Location Call Number Volume/Issue/Year Availability
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  • 2
    Language: English
    Pages: 1 Online-Ressource (32 p)
    Series Statement: World Bank E-Library Archive
    Parallel Title: Erscheint auch als Demirguc-Kunt, Asli Making It Easier to Apply for a Bank Account: A Study of the Indian Market
    Abstract: This paper draws on new individual-level survey data from India to study the costs of opening an account and the efficiency of the account application process. The data show a recent increase in account ownership, especially by women and poor adults. The data also suggest that India's flagship financial inclusion program, the Jan Dhan Yojana scheme, has made it easier to get an account, through lower costs and greater ease of applying. Yet despite the scheme's initial successes, people who wish to apply for an account continue to incur a range of costs. The survey results suggest several recommendations that could improve the account application process and increase ownership and usage of accounts
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 3
    Language: English
    Pages: 1 Online-Ressource (35 pages)
    Parallel Title: Erscheint auch als Ansar, Saniya The Importance of Financial Education for the Effective use of Formal Financial Services
    Keywords: Account Ownership ; Digital Finance ; Finance and Financial Sector Development ; Financial Education ; Financial Inclusion ; Mobile Money
    Abstract: This paper examines global data on unbanked and underbanked consumers to highlight the role that improved financial literacy and capability could play in motivating and enabling the safe and beneficial use of financial services. The paper uses data from Global Findex, a demand-side survey on ownership and use of accounts at formal financial institutions. The paper reviews the self-reported barriers to account ownership and use cited by unbanked adults, and identifies the challenges faced by account owners who could not use an account without help. Together, these issues point to the importance of financial education to improve digital and financial literacy skills, in addition to product design that considers customer abilities, and strong consumer safeguards to ensure that customers benefit from financial access
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  • 4
    Language: English
    Pages: 1 Online-Ressource (29 pages)
    Parallel Title: Erscheint auch als Print Version: Ansar, Saniya Changing Perceptions of Institutions and Standard of Living in Iraq
    Keywords: Corruption ; Employment ; Governance ; Leadership Approval Rating ; National Governance ; Public Confidence ; Public Sector Development ; Quality Of Life ; Service Delivery
    Abstract: The history of Iraq over the past decade is a stark example of increasing vertical and horizontal inequalities, preceding and following a period of violent conflict. This paper uses a cross-section of individual-level nationally representative survey data to study relationships around how adults in Iraq report confidence in national institutions, quality of life, and quality of service delivery. The findings show that positive perceptions across these categories declined during ISIS-control and have slowly picked up in recent years. Men are more likely than women in the post-ISIS period to report lower country leadership approval ratings, a weaker standard of living, and depressed job prospects. The analysis finds that self-identified Shias, Kurds, and adults living in Baghdad are significantly more likely to have a poorer quality of life, compared with Sunnis, in the post-ISIS period. Nearly all ethno-religious groups, in all periods, perceive the government to be corrupt
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  • 5
    ISBN: 9781464818974
    Language: English
    Pages: 1 Online-Ressource (202 pages)
    Parallel Title: Erscheint auch als
    Abstract: The fourth edition of Global Findex--the world's most comprehensive database on financial inclusion--offers a lens into how people accessed and used financial services during COVID-19, when mobility restrictions and health policies drove increased demand for digital services of all kinds. Published every three years since 2011, Findex is the only global demand-side data source allowing for global and regional cross-country analysis to provide a rigorous and multidimensional picture of how adults save, borrow, make payments, and manage financial risks. Findex 2021 data were collected from national representative surveys of about 130,000 adults in more than 120 economies. The latest edition includes new series measuring financial health and resilience and contains more granular data on digital payments adoption, including merchant and government payments. The Global Findex is an indispensable resource for financial service practitioners, policy makers, researchers, and development professionals--
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