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Assessing financial access ...
Access to financial services in Brazil has been relatively stable over the past ten years, despite the banking sector contraction of the late 1990s. Wide geographic variations in the supply of banking services by region and municipality are partly explained by differentials in income and population density. On a cross-country basis, Brazil does not appear to be underbanked. Looking at the use of financial services by different groups of consumers in Brazil, differences in financial access across regions is confirmed, but differences among richer and poorer neighborhoods can be as important. Public financial institutions in Brazil, deemed to be socially responsible, appear to have served disadvantaged groups more than private banks on some measures and for some services. However, their role varies by type of service, and in the case of some services, public banks in fact may have better served the better-off groups. At the level of individuals, the most important determinants of access to financial services are socio-economic characteristics such a income, wealth, and education. This may signify that in the presence of asymmetric information, access to such services depends critically on client information, and such characteristics provide a proxy for creditworthiness
Monografía
monografia Rebiun22504161 https://catalogo.rebiun.org/rebiun/record/Rebiun22504161 m o d cr cn||||||||| 050617s2005 dcua ob i000 0 eng d 60351077 150645859 271094854 474860011 475449661 506878568 646732045 646907762 652130093 722355931 728027227 744947839 813530436 814258956 821620830 824530767 961582534 962644342 966216801 975207342 975245539 981991907 982013021 988038244 988440192 991951725 992193567 993898218 994741975 994746510 999480185 1005640218 1017997158 1029487884 1037500911 1037927511 1038601881 1041919860 1044333864 1045515441 1045530398 1055313757 1056419736 1060901158 1063943446 1073065454 1081203519 1083587501 1088989699 1100538749 1101723925 1102530053 0821361325 eISBN) 9780821361320 eISBN) 9780821361313 0821361317 1417593776 electronic bk.) 9781417593774 electronic bk.) 1280145323 9781280145322 6610145326 9786610145324 0821361317 9780821361313 CCO eng pn CCO E7B OCLCQ UAU LGG PUL DKDLA CPC ZCU OCLCE OCLCQ OCLCF N$T YDXCP CUS OCLCO FVL IDEBK OCLCQ OCLCO EBLCP DEBSZ OCLCQ AZK LOA CNNOR MOR OCLCA PIFBR DCWBL OCLCQ UAB X#7 VT2 OCLCQ MERUC OCLCQ U3W CAUOI YDX BRL STF WRM OCLCA OCLCQ CEF NRAMU ICG OCLCQ AU@ WYU G3B A6Q MERER OCLCQ DKC OCLCQ UX1 OL$ OCLCQ dlr s-bl--- BUS 004000 bisacsh KFF, KNST bicssc Assessing financial access in Brazil Anjali Kumar [and others] Washington, D.C. World Bank ©2005 Washington, D.C. Washington, D.C. World Bank 1 online resource (v, 80 pages) illustrations 1 online resource (v, 80 pages) Text txt rdacontent computer c rdamedia online resource cr rdacarrier data file rda World Bank working paper no. 50 Includes bibliographical references (pages 79-80) Introduction -- The supply of bank services: branches and service points -- Users of financial services: a survey of urban individuals -- Analysis of survey results: what explains access? -- Summary of findings and policy implications Use copy. Restrictions unspecified star. MiAaHDL Access to financial services in Brazil has been relatively stable over the past ten years, despite the banking sector contraction of the late 1990s. Wide geographic variations in the supply of banking services by region and municipality are partly explained by differentials in income and population density. On a cross-country basis, Brazil does not appear to be underbanked. Looking at the use of financial services by different groups of consumers in Brazil, differences in financial access across regions is confirmed, but differences among richer and poorer neighborhoods can be as important. Public financial institutions in Brazil, deemed to be socially responsible, appear to have served disadvantaged groups more than private banks on some measures and for some services. However, their role varies by type of service, and in the case of some services, public banks in fact may have better served the better-off groups. At the level of individuals, the most important determinants of access to financial services are socio-economic characteristics such a income, wealth, and education. This may signify that in the presence of asymmetric information, access to such services depends critically on client information, and such characteristics provide a proxy for creditworthiness Electronic reproduction. [Place of publication not identified] HathiTrust Digital Library 2010. MiAaHDL Master and use copy. Digital master created according to Benchmark for Faithful Digital Reproductions of Monographs and Serials, Version 1. Digital Library Federation, December 2002. http://purl.oclc.org/DLF/benchrepro0212 MiAaHDL digitized 2010 HathiTrust Digital Library committed to preserve pda MiAaHDL Banks and banking- Brazil Banks and banking- Customer services- Brazil Bank accounts- Brazil Banques- Brésil Banques- Service à la clientèle- Brésil Comptes en banque- Brésil BUSINESS & ECONOMICS- Banks & Banking. Bank accounts. Banks and banking. Banks and banking- Customer services. Bankwezen. Sparen. Kwaliteitszorg. Banque. Service bancaire. Service à la clientèle. Service financier. Brazil. Brésil. Electronic books Computer network resources Statistiques (Descripteur de forme) Kumar, Anjali 1956-) Print version Assessing financial access in Brazil. Washington, D.C. : World Bank, ©2005 (DLC) 2005298592 World Bank working paper no. 50. 1726-5878