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  • 1
    Online-Ressource
    Online-Ressource
    Financial risk management in agriculture : analyzing data from a new module of the Global Findex Database (2019)
    [Washington, DC, USA] : World Bank Group, Development Economics, Development Research Group
    Details
    Sprache: Englisch
    Seiten: 1 Online-Ressource (circa 18 Seiten) , Illustrationen
    Serie: Policy research working paper 9078
    Serie: World Bank E-Library Archive
    Serie: Policy research working paper
    Paralleltitel: Erscheint auch als Leora Klapper Financial Risk Management in Agriculture: Analyzing Data from a New Module of the Global Findex Database
    Schlagwort(e): Graue Literatur
    Kurzfassung: 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
    DOI: 10.1596/1813-9450-9078
    URL: lizenzpflichtig
    URL: Deutschlandweit zugänglich
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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    Online-Ressource
    MPI Ethno. Forsch.
  • 2
    Online-Ressource
    Online-Ressource
    The Role of Private Equity Investments in Public Firms : International Evidence (2013)
    Washington, D.C : The World Bank
    Details
    Sprache: Englisch
    Seiten: Online-Ressource (48 p)
    Ausgabe: 2013 World Bank eLibrary
    Paralleltitel: Dahiya, Sandeep The Role of Private Equity Investments in Public Firms
    Kurzfassung: This paper compares the raising of external equity capital from private equity investors via private investments in public equity (PIPEs) and seasoned equity offerings (SEOs) using a sample of 456 PIPEs and 1,910 SEOs drawn from nine Asian countries. Consistent with the idea that insiders attempt to time the markets, firms issuing SEOs are preceded by a significantly higher run-up in stock price compared with those issuing PIPEs. This result is consistent with the undervaluation hypothesis that states that firms are more likely to issue PIPEs when they perceive their stock to be undervalued. In contrast to the United States where this undervaluation appears to be driven by financial distress and asymmetric information, the results show PIPE and SEO issuers to be statistically undistinguishable from each other. The announcement of a PIPE offering is on average associated with a significantly higher stock market reaction compared with an issue of a SEO, suggesting that private equity investors may play a certification or monitoring role. However, a comparison of PIPE issuers' operating performance and stock market returns in the pre-issue and the post-issue periods does not detect any significant improvements
    DOI: 10.1596/1813-9450-6484
    URL: Volltext  (Deutschlandweit zugänglich)
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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    Online-Ressource
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  • 3
    Online-Ressource
    Online-Ressource
    Measuring the Effectiveness of Service Delivery : Delivery of Government Provided Goods and Services in India (2017)
    Washington, D.C : The World Bank
    Details
    Sprache: Englisch
    Seiten: 1 Online-Ressource (55 p)
    Serie: World Bank E-Library Archive
    Paralleltitel: Erscheint auch als Demirguc-Kunt, Asli Measuring the Effectiveness of Service Delivery: Delivery of Government Provided Goods and Services in India
    Kurzfassung: This paper uses new survey data to measure the government's capacity to deliver goods and services in a manner that includes: high coverage of the population; equal access; and high quality of service delivery. The paper finds variation in these indicators across and within Indian states. Overall: (i) access to government provided goods and services is low-about 60 percent of the surveyed population are unable to apply for goods and services they self-report needing; (ii) inequality in access is high-women and poor adults are more likely to report an inability to apply for goods and services they need; and (iii) less than a third of the respondents who did manage to apply for a government delivered good or service found the application process to be easy. Access can be improved by reducing application costs and processing times, simplifying the application process, and providing alternative channels to receive applications
    DOI: 10.1596/1813-9450-8207
    URL: Volltext  (Deutschlandweit zugänglich)
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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    Online-Ressource
    MPI Ethno. Forsch.
  • 4
    Online-Ressource
    Online-Ressource
    Financial Inclusion and Inclusive Growth: A Review of Recent Empirical Evidence (2017)
    Washington, D.C : The World Bank
    Details
    Sprache: Englisch
    Seiten: 1 Online-Ressource (27 p)
    Serie: World Bank E-Library Archive
    Paralleltitel: Erscheint auch als Demirguc-Kunt, Asli Financial Inclusion and Inclusive Growth: A Review of Recent Empirical Evidence
    Kurzfassung: There is growing evidence that appropriate financial services have substantial benefits for consumers, especially women and poor adults. This paper provides an overview of financial inclusion around the world and reviews the recent empirical evidence on how the use of financial products-such as payments services, savings accounts, loans, and insurance-can contribute to inclusive growth and economic development. This paper also discusses some of the challenges to achieving greater financial inclusion and directions for future research
    DOI: 10.1596/1813-9450-8040
    URL: Volltext  (Deutschlandweit zugänglich)
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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    Online-Ressource
    MPI Ethno. Forsch.
  • 5
    Online-Ressource
    Online-Ressource
    Islamic Finance and Financial Inclusion : Measuring Use of and Demand for Formal Financial Services among Muslim Adults (2013)
    Washington, D.C : The World Bank
    Details
    Sprache: Englisch
    Seiten: Online-Ressource (45 p)
    Ausgabe: 2013 World Bank eLibrary
    Paralleltitel: Demirguc-Kunt, Asli Islamic Finance and Financial Inclusion
    Kurzfassung: In recent years, the Islamic finance industry has attracted the attention of policy makers and international donors as a possible channel through which to expand financial inclusion, particularly among Muslim adults. Yet cross-country, demand-side data on actual usage and preference gaps in financial services between Muslims and non-Muslims have been scarce. This paper uses novel data to explore the use of and demand for formal financial services among self-identified Muslim adults. In a sample of more than 65,000 adults from 64 economies (excluding countries where less than 1 percent or more than 99 percent of the sample self-identified as Muslim), the analysis finds that Muslims are significantly less likely than non-Muslims to own a formal account or save at a formal financial institution after controlling for other individual- and country-level characteristics. But the analysis finds no evidence that Muslims are less likely than non-Muslims to report formal or informal borrowing. Finally, in an extended survey of adults in five North African and Middle Eastern countries with relatively nascent Islamic finance industries, the study finds little use of Sharia-compliant banking products, although it does find evidence of a hypothetical preference for Sharia-compliant products among a plurality of respondents despite higher costs
    DOI: 10.1596/1813-9450-6642
    URL: Volltext  (Deutschlandweit zugänglich)
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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    Online-Ressource
    MPI Ethno. Forsch.
  • 6
    Online-Ressource
    Online-Ressource
    Measuring Financial Inclusion : The Global Findex Database (2012)
    Washington, D.C : The World Bank
    Details
    Sprache: Englisch
    Seiten: Online-Ressource (61 p)
    Ausgabe: 2012 World Bank eLibrary
    Paralleltitel: Asli Demirguc-Kunt Measuring Financial Inclusion
    Kurzfassung: This paper provides the first analysis of the Global Financial Inclusion (Global Findex) Database, a new set of indicators that measure how adults in 148 economies save, borrow, make payments, and manage risk. The data show that 50 percent of adults worldwide have an account at a formal financial institution, though account penetration varies widely across regions, income groups and individual characteristics. In addition, 22 percent of adults report having saved at a formal financial institution in the past 12 months, and 9 percent report having taken out a new loan from a bank, credit union or microfinance institution in the past year. Although half of adults around the world remain unbanked, at least 35 percent of them report barriers to account use that might be addressed by public policy. Among the most commonly reported barriers are high cost, physical distance, and lack of proper documentation, though there are significant differences across regions and individual characteristics
    DOI: 10.1596/1813-9450-6025
    URL: Volltext  (Deutschlandweit zugänglich)
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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    Online-Ressource
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  • 7
    Online-Ressource
    Online-Ressource
    Financing Businesses in Africa : The Role of Microfinance (2012)
    Washington, D.C : The World Bank
    Details
    Sprache: Englisch
    Seiten: Online-Ressource (30 p)
    Ausgabe: 2012 World Bank eLibrary
    Paralleltitel: Aggarwal, Shilpa Financing Businesses in Africa
    Kurzfassung: This paper evaluates how microfinance performed in providing business financing in 27 Sub-Saharan African countries. It uses data from the 2009 and 2010 Gallup World Poll, a nationally-representative survey of at least 1,000 individuals per country, conducted in up to 157 countries per year. The data, supported by rigorous statistical evidence in related literature on the use of microcredit around the world, demonstrate that economic gains from microcredit have been more modest than what was once believed. On the other hand, the analysis suggests that the poor save in order to start new businesses and that the introduction of formal products for small savings can be a key financial innovation. The authors also analyze the challenges the poor face in setting money aside to save, and discuss what policymakers can do to promote savings
    DOI: 10.1596/1813-9450-5975
    URL: Volltext  (Deutschlandweit zugänglich)
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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    Online-Ressource
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  • 8
    Online-Ressource
    Online-Ressource
    The Foundations of Financial Inclusion : Understanding Ownership and Use of Formal Accounts (2012)
    Washington, D.C : The World Bank
    Details
    Sprache: Englisch
    Seiten: Online-Ressource (61 p)
    Ausgabe: 2012 World Bank eLibrary
    Paralleltitel: Allen, Franklin The Foundations of Financial Inclusion
    Kurzfassung: Financial inclusion-defined here as the use of formal accounts-can bring many welfare benefits to individuals. Yet we know very little about the factors underpinning financial inclusion across individuals and countries. Using data for 123 countries and over 124,000 individuals, this paper tries to understand the individual and country characteristics associated with the use of formal accounts and what policies are effective among those most likely to be excluded: the poor and rural residents. The authors find that greater ownership and use of accounts is associated with a better enabling environment for accessing financial services, such as lower account costs and greater proximity to financial intermediaries. Policies targeted to promote inclusion-such as requiring banks to offer basic or low-fee accounts, exempting some depositors from onerous documentation requirements, allowing correspondent banking, and using bank accounts to make government payments-are especially effective among those most likely to be excluded. Finally, the authors study the factors associated with perceived barriers to account ownership among those who are financially excluded and find that these individuals report lower barriers in countries with lower costs of accounts and greater penetration of financial service providers. Overall, the results suggest that policies to reduce barriers to financial inclusion may expand the pool of eligible account users and encourage existing account holders to use their accounts to save and with greater frequency
    DOI: 10.1596/1813-9450-6290
    URL: Volltext  (Deutschlandweit zugänglich)
    Bibliothek Standort Signatur Band/Heft/Jahr Verfügbarkeit
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  • 9
    Online-Ressource
    Online-Ressource
    Financial Inclusion and Legal Discrimination against Women : Evidence from Developing Countries (2013)
    Washington, D.C : The World Bank
    Details
    Sprache: Englisch
    Seiten: Online-Ressource (47 p)
    Ausgabe: 2013 World Bank eLibrary
    Paralleltitel: Demirguc-Kunt, Asli Financial Inclusion and Legal Discrimination against Women
    Kurzfassung: This paper documents and analyzes gender differences in the use of financial services using individual-level data from 98 developing countries. The data, drawn from the Global Financial Inclusion (Global Findex) database, highlight the existence of significant gender gaps in ownership of accounts and usage of savings and credit products. Even after controlling for a host of individual characteristics including income, education, employment status, rural residency and age, gender remains significantly related to usage of financial services. This study also finds that legal discrimination against women and gender norms may explain some of the cross-country variation in access to finance for women. The analysis finds that in countries where women face legal restrictions in their ability to work, head a household, choose where to live, and receive inheritance, women are less likely to own an account, relative to men, as well as to save and borrow. The results also confirm that manifestations of gender norms, such as the level of violence against women and the incidence of early marriage for women, contribute to explaining the variation in the use of financial services between men and women, after controlling for other individual and country characteristics
    DOI: 10.1596/1813-9450-6416
    URL: Volltext  (Deutschlandweit zugänglich)
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    Online-Ressource
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  • 10
    Online-Ressource
    Online-Ressource
    Financial Inclusion and the Role of the Post Office (2013)
    Washington, D.C : The World Bank
    Details
    Sprache: Englisch
    Seiten: Online-Ressource (32 p)
    Ausgabe: 2013 World Bank eLibrary
    Paralleltitel: Anson, Jose Financial Inclusion and the Role of the Post Office
    Kurzfassung: Given their widespread presence in rural and poor areas, post offices can play a leading role in advancing financial inclusion. Yet little is known about the type of clients that post offices reach through their financial service offerings as compared with clients of traditional financial institutions (such as commercial banks). This paper documents and analyzes account ownership patterns at post offices in comparison with traditional financial institutions, using the Global Financial Inclusion Indicators (Global Findex) database, which collects data on account ownership at post offices in 60 countries where postal accounts are offered. Controlling for a host of individual characteristics and country fixed effects, the paper finds that post offices are relatively more likely than traditional financial institutions to provide accounts to individuals who are most likely to be from financially vulnerable groups, such as the poor, less educated, and those out of the labor force. The paper also uses data from the Universal Postal Union to explore the degree to which different postal business models and the size of the postal network help explain differences in account ownership patterns. The results suggest that post offices can boost account ownership by acting as cash-merchants for transactional financial services, such as electronic government and remittance payments, and that partnerships between the post office and other financial institutions coincide with a higher bank account penetration. The paper also finds that the size of the postal network matters; the larger the network-relative to the network of traditional financial institutions-the more likely it is that adults have an account at the post office
    DOI: 10.1596/1813-9450-6630
    URL: Volltext  (Deutschlandweit zugänglich)
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