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Working Paper

Financial Access and Household Welfare : Evidence from Mauritania

EMPOWERMENT CREDIT PROGRAM DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE DEMAND FOR CREDIT ADVANCED DEGREES FINANCING VILLAGE INFORMATION TECHNOLOGY BANKING INDUSTRY INTEREST LIQUIDITY RISKS SAVINGS ACCOUNTS BANKING SYSTEM INSURANCE SERVICES CULTURAL BARRIERS BANKING SERVICES EXCLUSION WELFARE LOAN AGRICULTURAL ECONOMICS BORROWERS CREDIT CARD RURAL FINANCIAL SERVICES PAYMENTS CULTURAL NORMS CREDITORS INTERNATIONAL BANK MFIS RURAL BANKS FORMAL BANKING MICROFINANCE INSTITUTIONS PUBLIC CREDIT ACCESS TO FINANCIAL SERVICES SMALL BUSINESS SAVINGS FINANCIAL INSTITUTION INFORMAL ECONOMY EDUCATIONAL ATTAINMENT ACCESS TO FORMAL CREDIT CAPITAL FORMATION INFORMAL FINANCE VULNERABLE HOUSEHOLDS CREDIT APPLICATIONS INTEREST RATES ECONOMIC EMPOWERMENT PAYMENT FINANCIAL INSTITUTIONS TRANSPORTATION SERVICE HOUSEHOLD INCOME FINANCIAL PRODUCTS LENDERS LAND OWNERSHIP LOANS ENTERPRISES VILLAGE FUND BANK CREDIT FINANCIAL SYSTEM FINANCE EDUCATION SPENDING BANKS INFORMATION ASYMMETRY INVESTMENT DECISIONS EXPENDITURE EQUITY FORMAL FINANCIAL INSTITUTION INDICATORS OF ACCESS HUMAN CAPITAL CAPITAL FINANCE ACCESS CREDIT PROVIDERS STUDENT FAMILY ACCESS TO FINANCE CREDIT ACCESS GENDER BANK CREDIT URBAN AREAS HOUSEHOLD AGRICULTURAL SECTOR URBAN AREA EDUCATION LEVEL EXPENDITURES CREDIT INFORMATION SOURCE OF INFORMATION MISREPORTING FINANCIAL ACCESS DIVERSIFICATION SOLVENCY MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC DEVELOPMENT FINANCIAL SECTOR ASSESSMENT SOCIAL BANKING SECURITY FINANCIAL DEVELOPMENT INVESTMENT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS ELECTRONIC PAYMENT ACCESS TO SERVICES EMPLOYEE HEAD OF HOUSEHOLD REVENUE BORROWING HOUSEHOLD WELFARE LACK OF INFORMATION WOMEN BANK BRANCHES INFORMAL FINANCING CREDIT HISTORY FORMAL CREDIT TRANSPORTATION SERVICES MONEY TRANSFERS SMALL BUSINESSES CREDIT APPLICATION CREDIT MARKET INEQUALITY MFI EMPLOYEES
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World Bank, Washington, DC
Africa | Mauritania
2016-01-12T22:41:28Z | 2016-01-12T22:41:28Z | 2016-01

This paper evaluates the impact of access to credit from banks and other financial institutions on household welfare in Mauritania. Micro-level data from a 2014 household survey are used to evaluate the relationship between credit access, a range of household characteristics, and welfare indicators. To address potential endogeneity issues, the household isolation level is used to instrument access to credit. The results show that households headed by older, more educated people are more likely to access financial services, as are households located in urban areas. In addition, greater financial access appears to be associated with a reduced dependence on household production and increased investment in human capital.

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