LEADER 04591nam 2200697Ia 450 001 9910462832703321 005 20200520144314.0 010 $a0-262-30507-0 010 $a1-283-90641-4 010 $a0-262-30599-2 024 8 $aebc3339554 035 $a(CKB)2670000000319473 035 $a(EBL)3339554 035 $a(SSID)ssj0000782703 035 $a(PQKBManifestationID)12347027 035 $a(PQKBTitleCode)TC0000782703 035 $a(PQKBWorkID)10751831 035 $a(PQKB)10824773 035 $a(MiAaPQ)EBC3339554 035 $a(OCoLC)961604092$z(OCoLC)822894364$z(OCoLC)826443238$z(OCoLC)962707495$z(OCoLC)1035786344$z(OCoLC)1055342490$z(OCoLC)1066559722$z(OCoLC)1081212980 035 $a(OCoLC-P)961604092 035 $a(MaCbMITP)9517 035 $a(Au-PeEL)EBL3339554 035 $a(CaPaEBR)ebr10640076 035 $a(CaONFJC)MIL421891 035 $a(OCoLC)822894364 035 $a(EXLCZ)992670000000319473 100 $a20120503d2013 uy 0 101 0 $aeng 135 $aurcn||||||||| 181 $ctxt 182 $cc 183 $acr 200 00$aBanking the world$b[electronic resource] $eempirical foundations of financial inclusion /$fedited by Robert Cull, Asli Demirguc-Kunt, and Jonathan Morduch 210 $aCambridge, Mass. $cMIT Press$dc2013 215 $a1 online resource (519 p.) 300 $aDescription based upon print version of record. 311 $a0-262-01842-X 320 $aIncludes bibliographical references and index. 327 $aContents; 1 Introduction: Banking the World; I Where Are We Now?; 2 Half the World Is Unbanked; II Better Data; 3 Cause and Effect of Financial Access: Cross-Country Evidence from the FinScope Surveys; 4 How to Ask Households about Financial Services: Experimental Evidence from Ghana and Timor-Leste; 5 Going with the Flow: Measuring Financial Usage in Poor Households; III Creating Impact; 6 The Economic Impact of Expanding Access to Finance in Mexico; 7 Finance and Hunger: Empirical Evidence of the Agricultural Productivity Channel 327 $a8 Entrepreneurial Finance in the Western Balkans: Characteristics of the Newly Self-Employed in Albania, Bosnia and Herzegovina, and Serbia IV Cautionary Tales; 9 The Impact of International Remittances on Income, Work Efforts, Poverty, and Inequality: Evidence from Vietnam Household Living Standard Surveys; 10 Mortgage Finance in Central and Eastern Europe - Opportunity or Burden?; V More than Products; 11 Measuring Personality Traits and Predicting Loan Default with Experiments and Surveys; 12 Valuing Financial Literacy; 13 Use of Biometric Technology in Developing Countries 327 $a14 Accessing Credit from Banks, Microfinance Institutions, and Informal Groups: What Is the Role of Social Capital? VI Conclusion; 15 Ten Research Questions; Contributors; Index 330 8 $aAbout 2.5 billion adults, just over half the world's adult population, lack bank accounts. If we are to realize the goal of extending banking and other financial services to this vast "unbanked" population, we need to consider not only such product innovations as microfinance and mobile banking but also issues of data accuracy, impact assessment, risk mitigation, technology adaptation, financial literacy, and local context. In Banking the World, experts take up these topics, reporting on new research that will guide both policy makers and scholars in a broader push to extend financial markets. The contributors consider such topics as the complexity of surveying people about their use of financial services; evidence of the impact of financial services on income; the occasional negative effects of financial services on poor households, including disincentives to work and overindebtedness; and tools for improving access such as nontraditional credit scores, financial incentives for banking, and identification technologies that can dramatically reduce loan default rates. 606 $aFinance$zDeveloping countries 606 $aBanks and banking$zDeveloping countries 606 $aFinancial institutions$zDeveloping countries 608 $aElectronic books. 615 0$aFinance 615 0$aBanks and banking 615 0$aFinancial institutions 676 $a332.109172/4 701 $aCull$b Robert J$0140582 701 $aDemirgu?c?-Kunt$b Asl?$f1961-$0861347 701 $aMorduch$b Jonathan$0612718 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9910462832703321 996 $aBanking the world$92467814 997 $aUNINA