Financial Access 2009 : Measuring Access to Financial Services around the World
Financial Access 2009 introduces the latest data from a survey of financial regulators in 139 countries. It presents indicators of access to savings, credit, and payment services in banks, and in regulated nonbank financial institutions. It is intended for a broad audience of policymakers, researchers, practitioners, multilateral and bilateral investors, in order to guide monetary policy, monitor systemic risks, and collect information on the values of deposits and credit. This report reviews three interventions: disclosure requirements, interest rate caps, and methods to address excessive lending that can result in consumer indebtedness. Improved transparency and disclosure allow borrowers to make informed choices and can facilitate competition in financial markets, eventually leading to lower prices and improved products. Policies to restrict interest rates or credit quantity, especially in consumer credit, seem to have limited effect but require further analysis.
Saved in:
| id |
dig-okr-1098612843 |
|---|---|
| record_format |
koha |
| institution |
Banco Mundial |
| collection |
DSpace |
| country |
Estados Unidos |
| countrycode |
US |
| component |
Bibliográfico |
| access |
En linea |
| databasecode |
dig-okr |
| tag |
biblioteca |
| region |
America del Norte |
| libraryname |
Biblioteca del Banco Mundial |
| language |
English en_US |
| topic |
ACCESS POINT ACCESS POINTS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO SAVING ACCESS TO SAVINGS ACCOUNT HOLDERS ACCOUNT OWNERSHIP ACCOUNTING ADMINISTRATIVE COSTS APPROVAL PROCESS ASSET BUILDING ATM ATMS AVERAGE BALANCES BALANCE SHEETS BANK ACCOUNT BANK ACCOUNTS BANK BORROWERS BANK BRANCH BANK BRANCH NETWORKS BANK BRANCHES BANK DATA BANK DEPOSIT BANK DEPOSITS BANK LENDING BANK LOAN BANK LOANS BANK OFFICIALS BANKING ACCOUNTS BANKING NETWORKS BANKING SERVICES BANKING SYSTEM BASIC BANKING BENEFICIARIES BIASES BORROWER BORROWING BRIBE BUSINESS FINANCES CASH DEPOSIT CASH PAYMENTS COLLATERAL COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS COMMERCIAL TRANSACTION COMPLIANCE COSTS CONSUMER CONSUMER CREDIT CONSUMER LENDING CONSUMER PROTECTION CONSUMERS CONTRIBUTION CONTRIBUTIONS COOPERATIVES CORRUPTION COST OF CREDIT CREDIT BUREAU CREDIT BUREAUS CREDIT CARD CREDIT DECISIONS CREDIT HISTORY CREDIT INFORMATION CREDIT INFORMATION SYSTEM CREDIT INFORMATION SYSTEMS CREDIT INSTITUTIONS CREDIT MARKET CREDIT MARKETS CREDIT PORTFOLIO CREDIT PRODUCTS CREDIT PROVIDER CREDIT PROVIDERS CREDIT REGISTRIES CREDIT REGISTRY CREDIT UNIONS CREDITOR CREDITORS DEBIT CARD DEBIT CARDS DEBT DEPOSIT DEPOSIT ACCOUNT DEPOSIT ACCOUNTS DEPOSIT INSURANCE DEPOSITOR DEPOSITORS DEPOSITORY INSTITUTIONS DEPOSITS DEVELOPMENT BANK DEVELOPMENT BANKS DEVELOPMENT FINANCE DEVELOPMENT FINANCE INSTITUTIONS DIRECT COSTS DIRECT DEPOSITS DIRECT FINANCING DISCLOSURE REQUIREMENT DISCLOSURE REQUIREMENTS DOCUMENTATION REQUIREMENTS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIC POLICIES ELECTRONIC TRANSFERS ENTREPRENEURS EXCLUSION FAMILIES FARMERS FINANCES FINANCIAL ACCESS FINANCIAL ACCESS INDICATORS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL MARKETS FINANCIAL OBLIGATIONS FINANCIAL PRODUCTS FINANCIAL REGULATOR FINANCIAL REGULATORS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL STABILITY FINANCIAL SYSTEM FINANCIAL SYSTEMS FIXED COSTS FORMAL BANK FORMAL CREDIT FORMAL FINANCIAL SECTOR FORMAL FINANCIAL SERVICES FORMAL LENDING GROUPS OF PEOPLE GUARANTEE SCHEME HIGH INTEREST RATES HOUSEHOLDS INCOME INDEBTEDNESS INDICATORS OF ACCESS INDIVIDUAL ACCOUNTS INFLATION INFORMAL FINANCIAL INSTITUTIONS INFORMAL SAVINGS INFORMATION ASYMMETRIES INFORMATION SHARING INFORMATION SYSTEM INFORMED CHOICES INITIAL DEPOSITS INSURANCE SCHEME INTEREST RATE INTEREST RATES LENDER LENDERS LOAN LOAN SIZE LOAN SIZES LOAN TERMS LOW INCOME LOW MINIMUM BALANCES LOW-INCOME LOWER INCOME MAINTENANCE FEE MAINTENANCE FEES MARKETING MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MINIMUM BALANCE MONETARY POLICY MONEY LAUNDERING MONEY LENDERS MONEYLENDERS MONTHLY FEE MONTHLY PAYMENTS OPERATING COST OUTREACH OUTSTANDING LOANS PAYMENT SERVICES PAYMENTS SERVICES PENSIONS POINT-OF-SALE POINT-OF-SALE TERMINALS POOR BORROWERS POOR CLIENTS POSTAL BANK POSTAL BANKING POSTAL BANKS PRIVATE CREDIT PRIVATE FINANCIAL INSTITUTIONS PRIVATE SAVINGS PUBLIC CREDIT QUESTIONNAIRE RECORD KEEPING REGULAR PAYMENTS REGULAR SAVINGS REPAYMENT RISK MITIGATION RURAL BRANCHES RURAL CLIENTS SAVERS SAVINGS SAVINGS ACCOUNTS SAVINGS PROGRAMS SAVINGS RATE SAVINGS SERVICES SMALL BUSINESS SMALL BUSINESS OWNERS SMALL BUSINESSES SMALL ENTERPRISES SMALL ENTREPRENEURS SMALL LOANS SMART CARDS SOCIAL DEVELOPMENT SOCIAL SECURITY SOURCE OF CREDIT SOURCE OF FUNDS SOURCES OF CREDIT TAX ADVANTAGES TAX BREAKS TAX INCENTIVE TAX INCENTIVES TERM CREDIT TRANSACTION COSTS UNEMPLOYMENT UNSTABLE INCOMES USURY USURY CEILINGS VALUABLE VILLAGES VULNERABLE GROUPS WAGE WAGES WORTH ACCESS POINT ACCESS POINTS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO SAVING ACCESS TO SAVINGS ACCOUNT HOLDERS ACCOUNT OWNERSHIP ACCOUNTING ADMINISTRATIVE COSTS APPROVAL PROCESS ASSET BUILDING ATM ATMS AVERAGE BALANCES BALANCE SHEETS BANK ACCOUNT BANK ACCOUNTS BANK BORROWERS BANK BRANCH BANK BRANCH NETWORKS BANK BRANCHES BANK DATA BANK DEPOSIT BANK DEPOSITS BANK LENDING BANK LOAN BANK LOANS BANK OFFICIALS BANKING ACCOUNTS BANKING NETWORKS BANKING SERVICES BANKING SYSTEM BASIC BANKING BENEFICIARIES BIASES BORROWER BORROWING BRIBE BUSINESS FINANCES CASH DEPOSIT CASH PAYMENTS COLLATERAL COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS COMMERCIAL TRANSACTION COMPLIANCE COSTS CONSUMER CONSUMER CREDIT CONSUMER LENDING CONSUMER PROTECTION CONSUMERS CONTRIBUTION CONTRIBUTIONS COOPERATIVES CORRUPTION COST OF CREDIT CREDIT BUREAU CREDIT BUREAUS CREDIT CARD CREDIT DECISIONS CREDIT HISTORY CREDIT INFORMATION CREDIT INFORMATION SYSTEM CREDIT INFORMATION SYSTEMS CREDIT INSTITUTIONS CREDIT MARKET CREDIT MARKETS CREDIT PORTFOLIO CREDIT PRODUCTS CREDIT PROVIDER CREDIT PROVIDERS CREDIT REGISTRIES CREDIT REGISTRY CREDIT UNIONS CREDITOR CREDITORS DEBIT CARD DEBIT CARDS DEBT DEPOSIT DEPOSIT ACCOUNT DEPOSIT ACCOUNTS DEPOSIT INSURANCE DEPOSITOR DEPOSITORS DEPOSITORY INSTITUTIONS DEPOSITS DEVELOPMENT BANK DEVELOPMENT BANKS DEVELOPMENT FINANCE DEVELOPMENT FINANCE INSTITUTIONS DIRECT COSTS DIRECT DEPOSITS DIRECT FINANCING DISCLOSURE REQUIREMENT DISCLOSURE REQUIREMENTS DOCUMENTATION REQUIREMENTS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIC POLICIES ELECTRONIC TRANSFERS ENTREPRENEURS EXCLUSION FAMILIES FARMERS FINANCES FINANCIAL ACCESS FINANCIAL ACCESS INDICATORS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL MARKETS FINANCIAL OBLIGATIONS FINANCIAL PRODUCTS FINANCIAL REGULATOR FINANCIAL REGULATORS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL STABILITY FINANCIAL SYSTEM FINANCIAL SYSTEMS FIXED COSTS FORMAL BANK FORMAL CREDIT FORMAL FINANCIAL SECTOR FORMAL FINANCIAL SERVICES FORMAL LENDING GROUPS OF PEOPLE GUARANTEE SCHEME HIGH INTEREST RATES HOUSEHOLDS INCOME INDEBTEDNESS INDICATORS OF ACCESS INDIVIDUAL ACCOUNTS INFLATION INFORMAL FINANCIAL INSTITUTIONS INFORMAL SAVINGS INFORMATION ASYMMETRIES INFORMATION SHARING INFORMATION SYSTEM INFORMED CHOICES INITIAL DEPOSITS INSURANCE SCHEME INTEREST RATE INTEREST RATES LENDER LENDERS LOAN LOAN SIZE LOAN SIZES LOAN TERMS LOW INCOME LOW MINIMUM BALANCES LOW-INCOME LOWER INCOME MAINTENANCE FEE MAINTENANCE FEES MARKETING MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MINIMUM BALANCE MONETARY POLICY MONEY LAUNDERING MONEY LENDERS MONEYLENDERS MONTHLY FEE MONTHLY PAYMENTS OPERATING COST OUTREACH OUTSTANDING LOANS PAYMENT SERVICES PAYMENTS SERVICES PENSIONS POINT-OF-SALE POINT-OF-SALE TERMINALS POOR BORROWERS POOR CLIENTS POSTAL BANK POSTAL BANKING POSTAL BANKS PRIVATE CREDIT PRIVATE FINANCIAL INSTITUTIONS PRIVATE SAVINGS PUBLIC CREDIT QUESTIONNAIRE RECORD KEEPING REGULAR PAYMENTS REGULAR SAVINGS REPAYMENT RISK MITIGATION RURAL BRANCHES RURAL CLIENTS SAVERS SAVINGS SAVINGS ACCOUNTS SAVINGS PROGRAMS SAVINGS RATE SAVINGS SERVICES SMALL BUSINESS SMALL BUSINESS OWNERS SMALL BUSINESSES SMALL ENTERPRISES SMALL ENTREPRENEURS SMALL LOANS SMART CARDS SOCIAL DEVELOPMENT SOCIAL SECURITY SOURCE OF CREDIT SOURCE OF FUNDS SOURCES OF CREDIT TAX ADVANTAGES TAX BREAKS TAX INCENTIVE TAX INCENTIVES TERM CREDIT TRANSACTION COSTS UNEMPLOYMENT UNSTABLE INCOMES USURY USURY CEILINGS VALUABLE VILLAGES VULNERABLE GROUPS WAGE WAGES WORTH |
| spellingShingle |
ACCESS POINT ACCESS POINTS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO SAVING ACCESS TO SAVINGS ACCOUNT HOLDERS ACCOUNT OWNERSHIP ACCOUNTING ADMINISTRATIVE COSTS APPROVAL PROCESS ASSET BUILDING ATM ATMS AVERAGE BALANCES BALANCE SHEETS BANK ACCOUNT BANK ACCOUNTS BANK BORROWERS BANK BRANCH BANK BRANCH NETWORKS BANK BRANCHES BANK DATA BANK DEPOSIT BANK DEPOSITS BANK LENDING BANK LOAN BANK LOANS BANK OFFICIALS BANKING ACCOUNTS BANKING NETWORKS BANKING SERVICES BANKING SYSTEM BASIC BANKING BENEFICIARIES BIASES BORROWER BORROWING BRIBE BUSINESS FINANCES CASH DEPOSIT CASH PAYMENTS COLLATERAL COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS COMMERCIAL TRANSACTION COMPLIANCE COSTS CONSUMER CONSUMER CREDIT CONSUMER LENDING CONSUMER PROTECTION CONSUMERS CONTRIBUTION CONTRIBUTIONS COOPERATIVES CORRUPTION COST OF CREDIT CREDIT BUREAU CREDIT BUREAUS CREDIT CARD CREDIT DECISIONS CREDIT HISTORY CREDIT INFORMATION CREDIT INFORMATION SYSTEM CREDIT INFORMATION SYSTEMS CREDIT INSTITUTIONS CREDIT MARKET CREDIT MARKETS CREDIT PORTFOLIO CREDIT PRODUCTS CREDIT PROVIDER CREDIT PROVIDERS CREDIT REGISTRIES CREDIT REGISTRY CREDIT UNIONS CREDITOR CREDITORS DEBIT CARD DEBIT CARDS DEBT DEPOSIT DEPOSIT ACCOUNT DEPOSIT ACCOUNTS DEPOSIT INSURANCE DEPOSITOR DEPOSITORS DEPOSITORY INSTITUTIONS DEPOSITS DEVELOPMENT BANK DEVELOPMENT BANKS DEVELOPMENT FINANCE DEVELOPMENT FINANCE INSTITUTIONS DIRECT COSTS DIRECT DEPOSITS DIRECT FINANCING DISCLOSURE REQUIREMENT DISCLOSURE REQUIREMENTS DOCUMENTATION REQUIREMENTS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIC POLICIES ELECTRONIC TRANSFERS ENTREPRENEURS EXCLUSION FAMILIES FARMERS FINANCES FINANCIAL ACCESS FINANCIAL ACCESS INDICATORS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL MARKETS FINANCIAL OBLIGATIONS FINANCIAL PRODUCTS FINANCIAL REGULATOR FINANCIAL REGULATORS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL STABILITY FINANCIAL SYSTEM FINANCIAL SYSTEMS FIXED COSTS FORMAL BANK FORMAL CREDIT FORMAL FINANCIAL SECTOR FORMAL FINANCIAL SERVICES FORMAL LENDING GROUPS OF PEOPLE GUARANTEE SCHEME HIGH INTEREST RATES HOUSEHOLDS INCOME INDEBTEDNESS INDICATORS OF ACCESS INDIVIDUAL ACCOUNTS INFLATION INFORMAL FINANCIAL INSTITUTIONS INFORMAL SAVINGS INFORMATION ASYMMETRIES INFORMATION SHARING INFORMATION SYSTEM INFORMED CHOICES INITIAL DEPOSITS INSURANCE SCHEME INTEREST RATE INTEREST RATES LENDER LENDERS LOAN LOAN SIZE LOAN SIZES LOAN TERMS LOW INCOME LOW MINIMUM BALANCES LOW-INCOME LOWER INCOME MAINTENANCE FEE MAINTENANCE FEES MARKETING MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MINIMUM BALANCE MONETARY POLICY MONEY LAUNDERING MONEY LENDERS MONEYLENDERS MONTHLY FEE MONTHLY PAYMENTS OPERATING COST OUTREACH OUTSTANDING LOANS PAYMENT SERVICES PAYMENTS SERVICES PENSIONS POINT-OF-SALE POINT-OF-SALE TERMINALS POOR BORROWERS POOR CLIENTS POSTAL BANK POSTAL BANKING POSTAL BANKS PRIVATE CREDIT PRIVATE FINANCIAL INSTITUTIONS PRIVATE SAVINGS PUBLIC CREDIT QUESTIONNAIRE RECORD KEEPING REGULAR PAYMENTS REGULAR SAVINGS REPAYMENT RISK MITIGATION RURAL BRANCHES RURAL CLIENTS SAVERS SAVINGS SAVINGS ACCOUNTS SAVINGS PROGRAMS SAVINGS RATE SAVINGS SERVICES SMALL BUSINESS SMALL BUSINESS OWNERS SMALL BUSINESSES SMALL ENTERPRISES SMALL ENTREPRENEURS SMALL LOANS SMART CARDS SOCIAL DEVELOPMENT SOCIAL SECURITY SOURCE OF CREDIT SOURCE OF FUNDS SOURCES OF CREDIT TAX ADVANTAGES TAX BREAKS TAX INCENTIVE TAX INCENTIVES TERM CREDIT TRANSACTION COSTS UNEMPLOYMENT UNSTABLE INCOMES USURY USURY CEILINGS VALUABLE VILLAGES VULNERABLE GROUPS WAGE WAGES WORTH ACCESS POINT ACCESS POINTS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO SAVING ACCESS TO SAVINGS ACCOUNT HOLDERS ACCOUNT OWNERSHIP ACCOUNTING ADMINISTRATIVE COSTS APPROVAL PROCESS ASSET BUILDING ATM ATMS AVERAGE BALANCES BALANCE SHEETS BANK ACCOUNT BANK ACCOUNTS BANK BORROWERS BANK BRANCH BANK BRANCH NETWORKS BANK BRANCHES BANK DATA BANK DEPOSIT BANK DEPOSITS BANK LENDING BANK LOAN BANK LOANS BANK OFFICIALS BANKING ACCOUNTS BANKING NETWORKS BANKING SERVICES BANKING SYSTEM BASIC BANKING BENEFICIARIES BIASES BORROWER BORROWING BRIBE BUSINESS FINANCES CASH DEPOSIT CASH PAYMENTS COLLATERAL COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS COMMERCIAL TRANSACTION COMPLIANCE COSTS CONSUMER CONSUMER CREDIT CONSUMER LENDING CONSUMER PROTECTION CONSUMERS CONTRIBUTION CONTRIBUTIONS COOPERATIVES CORRUPTION COST OF CREDIT CREDIT BUREAU CREDIT BUREAUS CREDIT CARD CREDIT DECISIONS CREDIT HISTORY CREDIT INFORMATION CREDIT INFORMATION SYSTEM CREDIT INFORMATION SYSTEMS CREDIT INSTITUTIONS CREDIT MARKET CREDIT MARKETS CREDIT PORTFOLIO CREDIT PRODUCTS CREDIT PROVIDER CREDIT PROVIDERS CREDIT REGISTRIES CREDIT REGISTRY CREDIT UNIONS CREDITOR CREDITORS DEBIT CARD DEBIT CARDS DEBT DEPOSIT DEPOSIT ACCOUNT DEPOSIT ACCOUNTS DEPOSIT INSURANCE DEPOSITOR DEPOSITORS DEPOSITORY INSTITUTIONS DEPOSITS DEVELOPMENT BANK DEVELOPMENT BANKS DEVELOPMENT FINANCE DEVELOPMENT FINANCE INSTITUTIONS DIRECT COSTS DIRECT DEPOSITS DIRECT FINANCING DISCLOSURE REQUIREMENT DISCLOSURE REQUIREMENTS DOCUMENTATION REQUIREMENTS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIC POLICIES ELECTRONIC TRANSFERS ENTREPRENEURS EXCLUSION FAMILIES FARMERS FINANCES FINANCIAL ACCESS FINANCIAL ACCESS INDICATORS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL MARKETS FINANCIAL OBLIGATIONS FINANCIAL PRODUCTS FINANCIAL REGULATOR FINANCIAL REGULATORS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL STABILITY FINANCIAL SYSTEM FINANCIAL SYSTEMS FIXED COSTS FORMAL BANK FORMAL CREDIT FORMAL FINANCIAL SECTOR FORMAL FINANCIAL SERVICES FORMAL LENDING GROUPS OF PEOPLE GUARANTEE SCHEME HIGH INTEREST RATES HOUSEHOLDS INCOME INDEBTEDNESS INDICATORS OF ACCESS INDIVIDUAL ACCOUNTS INFLATION INFORMAL FINANCIAL INSTITUTIONS INFORMAL SAVINGS INFORMATION ASYMMETRIES INFORMATION SHARING INFORMATION SYSTEM INFORMED CHOICES INITIAL DEPOSITS INSURANCE SCHEME INTEREST RATE INTEREST RATES LENDER LENDERS LOAN LOAN SIZE LOAN SIZES LOAN TERMS LOW INCOME LOW MINIMUM BALANCES LOW-INCOME LOWER INCOME MAINTENANCE FEE MAINTENANCE FEES MARKETING MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MINIMUM BALANCE MONETARY POLICY MONEY LAUNDERING MONEY LENDERS MONEYLENDERS MONTHLY FEE MONTHLY PAYMENTS OPERATING COST OUTREACH OUTSTANDING LOANS PAYMENT SERVICES PAYMENTS SERVICES PENSIONS POINT-OF-SALE POINT-OF-SALE TERMINALS POOR BORROWERS POOR CLIENTS POSTAL BANK POSTAL BANKING POSTAL BANKS PRIVATE CREDIT PRIVATE FINANCIAL INSTITUTIONS PRIVATE SAVINGS PUBLIC CREDIT QUESTIONNAIRE RECORD KEEPING REGULAR PAYMENTS REGULAR SAVINGS REPAYMENT RISK MITIGATION RURAL BRANCHES RURAL CLIENTS SAVERS SAVINGS SAVINGS ACCOUNTS SAVINGS PROGRAMS SAVINGS RATE SAVINGS SERVICES SMALL BUSINESS SMALL BUSINESS OWNERS SMALL BUSINESSES SMALL ENTERPRISES SMALL ENTREPRENEURS SMALL LOANS SMART CARDS SOCIAL DEVELOPMENT SOCIAL SECURITY SOURCE OF CREDIT SOURCE OF FUNDS SOURCES OF CREDIT TAX ADVANTAGES TAX BREAKS TAX INCENTIVE TAX INCENTIVES TERM CREDIT TRANSACTION COSTS UNEMPLOYMENT UNSTABLE INCOMES USURY USURY CEILINGS VALUABLE VILLAGES VULNERABLE GROUPS WAGE WAGES WORTH Consultative Group to Assist the Poor Financial Access 2009 : Measuring Access to Financial Services around the World |
| description |
Financial Access 2009 introduces the
latest data from a survey of financial regulators in 139
countries. It presents indicators of access to savings,
credit, and payment services in banks, and in regulated
nonbank financial institutions. It is intended for a broad
audience of policymakers, researchers, practitioners,
multilateral and bilateral investors, in order to guide
monetary policy, monitor systemic risks, and collect
information on the values of deposits and credit. This
report reviews three interventions: disclosure requirements,
interest rate caps, and methods to address excessive lending
that can result in consumer indebtedness. Improved
transparency and disclosure allow borrowers to make informed
choices and can facilitate competition in financial markets,
eventually leading to lower prices and improved products.
Policies to restrict interest rates or credit quantity,
especially in consumer credit, seem to have limited effect
but require further analysis. |
| topic_facet |
ACCESS POINT ACCESS POINTS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO SAVING ACCESS TO SAVINGS ACCOUNT HOLDERS ACCOUNT OWNERSHIP ACCOUNTING ADMINISTRATIVE COSTS APPROVAL PROCESS ASSET BUILDING ATM ATMS AVERAGE BALANCES BALANCE SHEETS BANK ACCOUNT BANK ACCOUNTS BANK BORROWERS BANK BRANCH BANK BRANCH NETWORKS BANK BRANCHES BANK DATA BANK DEPOSIT BANK DEPOSITS BANK LENDING BANK LOAN BANK LOANS BANK OFFICIALS BANKING ACCOUNTS BANKING NETWORKS BANKING SERVICES BANKING SYSTEM BASIC BANKING BENEFICIARIES BIASES BORROWER BORROWING BRIBE BUSINESS FINANCES CASH DEPOSIT CASH PAYMENTS COLLATERAL COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS COMMERCIAL TRANSACTION COMPLIANCE COSTS CONSUMER CONSUMER CREDIT CONSUMER LENDING CONSUMER PROTECTION CONSUMERS CONTRIBUTION CONTRIBUTIONS COOPERATIVES CORRUPTION COST OF CREDIT CREDIT BUREAU CREDIT BUREAUS CREDIT CARD CREDIT DECISIONS CREDIT HISTORY CREDIT INFORMATION CREDIT INFORMATION SYSTEM CREDIT INFORMATION SYSTEMS CREDIT INSTITUTIONS CREDIT MARKET CREDIT MARKETS CREDIT PORTFOLIO CREDIT PRODUCTS CREDIT PROVIDER CREDIT PROVIDERS CREDIT REGISTRIES CREDIT REGISTRY CREDIT UNIONS CREDITOR CREDITORS DEBIT CARD DEBIT CARDS DEBT DEPOSIT DEPOSIT ACCOUNT DEPOSIT ACCOUNTS DEPOSIT INSURANCE DEPOSITOR DEPOSITORS DEPOSITORY INSTITUTIONS DEPOSITS DEVELOPMENT BANK DEVELOPMENT BANKS DEVELOPMENT FINANCE DEVELOPMENT FINANCE INSTITUTIONS DIRECT COSTS DIRECT DEPOSITS DIRECT FINANCING DISCLOSURE REQUIREMENT DISCLOSURE REQUIREMENTS DOCUMENTATION REQUIREMENTS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIC POLICIES ELECTRONIC TRANSFERS ENTREPRENEURS EXCLUSION FAMILIES FARMERS FINANCES FINANCIAL ACCESS FINANCIAL ACCESS INDICATORS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL MARKETS FINANCIAL OBLIGATIONS FINANCIAL PRODUCTS FINANCIAL REGULATOR FINANCIAL REGULATORS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL STABILITY FINANCIAL SYSTEM FINANCIAL SYSTEMS FIXED COSTS FORMAL BANK FORMAL CREDIT FORMAL FINANCIAL SECTOR FORMAL FINANCIAL SERVICES FORMAL LENDING GROUPS OF PEOPLE GUARANTEE SCHEME HIGH INTEREST RATES HOUSEHOLDS INCOME INDEBTEDNESS INDICATORS OF ACCESS INDIVIDUAL ACCOUNTS INFLATION INFORMAL FINANCIAL INSTITUTIONS INFORMAL SAVINGS INFORMATION ASYMMETRIES INFORMATION SHARING INFORMATION SYSTEM INFORMED CHOICES INITIAL DEPOSITS INSURANCE SCHEME INTEREST RATE INTEREST RATES LENDER LENDERS LOAN LOAN SIZE LOAN SIZES LOAN TERMS LOW INCOME LOW MINIMUM BALANCES LOW-INCOME LOWER INCOME MAINTENANCE FEE MAINTENANCE FEES MARKETING MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MINIMUM BALANCE MONETARY POLICY MONEY LAUNDERING MONEY LENDERS MONEYLENDERS MONTHLY FEE MONTHLY PAYMENTS OPERATING COST OUTREACH OUTSTANDING LOANS PAYMENT SERVICES PAYMENTS SERVICES PENSIONS POINT-OF-SALE POINT-OF-SALE TERMINALS POOR BORROWERS POOR CLIENTS POSTAL BANK POSTAL BANKING POSTAL BANKS PRIVATE CREDIT PRIVATE FINANCIAL INSTITUTIONS PRIVATE SAVINGS PUBLIC CREDIT QUESTIONNAIRE RECORD KEEPING REGULAR PAYMENTS REGULAR SAVINGS REPAYMENT RISK MITIGATION RURAL BRANCHES RURAL CLIENTS SAVERS SAVINGS SAVINGS ACCOUNTS SAVINGS PROGRAMS SAVINGS RATE SAVINGS SERVICES SMALL BUSINESS SMALL BUSINESS OWNERS SMALL BUSINESSES SMALL ENTERPRISES SMALL ENTREPRENEURS SMALL LOANS SMART CARDS SOCIAL DEVELOPMENT SOCIAL SECURITY SOURCE OF CREDIT SOURCE OF FUNDS SOURCES OF CREDIT TAX ADVANTAGES TAX BREAKS TAX INCENTIVE TAX INCENTIVES TERM CREDIT TRANSACTION COSTS UNEMPLOYMENT UNSTABLE INCOMES USURY USURY CEILINGS VALUABLE VILLAGES VULNERABLE GROUPS WAGE WAGES WORTH |
| author |
Consultative Group to Assist the Poor |
| author_facet |
Consultative Group to Assist the Poor |
| author_sort |
Consultative Group to Assist the Poor |
| title |
Financial Access 2009 : Measuring Access to Financial Services around the World |
| title_short |
Financial Access 2009 : Measuring Access to Financial Services around the World |
| title_full |
Financial Access 2009 : Measuring Access to Financial Services around the World |
| title_fullStr |
Financial Access 2009 : Measuring Access to Financial Services around the World |
| title_full_unstemmed |
Financial Access 2009 : Measuring Access to Financial Services around the World |
| title_sort |
financial access 2009 : measuring access to financial services around the world |
| publisher |
Consultative Group to Assist the Poor/The World Bank, Washington, DC |
| publishDate |
2009-09 |
| url |
http://documents.worldbank.org/curated/en/2009/01/16418208/financial-access-2009-measuring-access-financial-services-around-world https://hdl.handle.net/10986/12843 |
| work_keys_str_mv |
AT consultativegrouptoassistthepoor financialaccess2009measuringaccesstofinancialservicesaroundtheworld |
| _version_ |
1807159206793445376 |
| spelling |
dig-okr-10986128432024-08-08T15:03:55Z Financial Access 2009 : Measuring Access to Financial Services around the World Consultative Group to Assist the Poor ACCESS POINT ACCESS POINTS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO SAVING ACCESS TO SAVINGS ACCOUNT HOLDERS ACCOUNT OWNERSHIP ACCOUNTING ADMINISTRATIVE COSTS APPROVAL PROCESS ASSET BUILDING ATM ATMS AVERAGE BALANCES BALANCE SHEETS BANK ACCOUNT BANK ACCOUNTS BANK BORROWERS BANK BRANCH BANK BRANCH NETWORKS BANK BRANCHES BANK DATA BANK DEPOSIT BANK DEPOSITS BANK LENDING BANK LOAN BANK LOANS BANK OFFICIALS BANKING ACCOUNTS BANKING NETWORKS BANKING SERVICES BANKING SYSTEM BASIC BANKING BENEFICIARIES BIASES BORROWER BORROWING BRIBE BUSINESS FINANCES CASH DEPOSIT CASH PAYMENTS COLLATERAL COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS COMMERCIAL TRANSACTION COMPLIANCE COSTS CONSUMER CONSUMER CREDIT CONSUMER LENDING CONSUMER PROTECTION CONSUMERS CONTRIBUTION CONTRIBUTIONS COOPERATIVES CORRUPTION COST OF CREDIT CREDIT BUREAU CREDIT BUREAUS CREDIT CARD CREDIT DECISIONS CREDIT HISTORY CREDIT INFORMATION CREDIT INFORMATION SYSTEM CREDIT INFORMATION SYSTEMS CREDIT INSTITUTIONS CREDIT MARKET CREDIT MARKETS CREDIT PORTFOLIO CREDIT PRODUCTS CREDIT PROVIDER CREDIT PROVIDERS CREDIT REGISTRIES CREDIT REGISTRY CREDIT UNIONS CREDITOR CREDITORS DEBIT CARD DEBIT CARDS DEBT DEPOSIT DEPOSIT ACCOUNT DEPOSIT ACCOUNTS DEPOSIT INSURANCE DEPOSITOR DEPOSITORS DEPOSITORY INSTITUTIONS DEPOSITS DEVELOPMENT BANK DEVELOPMENT BANKS DEVELOPMENT FINANCE DEVELOPMENT FINANCE INSTITUTIONS DIRECT COSTS DIRECT DEPOSITS DIRECT FINANCING DISCLOSURE REQUIREMENT DISCLOSURE REQUIREMENTS DOCUMENTATION REQUIREMENTS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIC POLICIES ELECTRONIC TRANSFERS ENTREPRENEURS EXCLUSION FAMILIES FARMERS FINANCES FINANCIAL ACCESS FINANCIAL ACCESS INDICATORS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL MARKETS FINANCIAL OBLIGATIONS FINANCIAL PRODUCTS FINANCIAL REGULATOR FINANCIAL REGULATORS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL STABILITY FINANCIAL SYSTEM FINANCIAL SYSTEMS FIXED COSTS FORMAL BANK FORMAL CREDIT FORMAL FINANCIAL SECTOR FORMAL FINANCIAL SERVICES FORMAL LENDING GROUPS OF PEOPLE GUARANTEE SCHEME HIGH INTEREST RATES HOUSEHOLDS INCOME INDEBTEDNESS INDICATORS OF ACCESS INDIVIDUAL ACCOUNTS INFLATION INFORMAL FINANCIAL INSTITUTIONS INFORMAL SAVINGS INFORMATION ASYMMETRIES INFORMATION SHARING INFORMATION SYSTEM INFORMED CHOICES INITIAL DEPOSITS INSURANCE SCHEME INTEREST RATE INTEREST RATES LENDER LENDERS LOAN LOAN SIZE LOAN SIZES LOAN TERMS LOW INCOME LOW MINIMUM BALANCES LOW-INCOME LOWER INCOME MAINTENANCE FEE MAINTENANCE FEES MARKETING MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MINIMUM BALANCE MONETARY POLICY MONEY LAUNDERING MONEY LENDERS MONEYLENDERS MONTHLY FEE MONTHLY PAYMENTS OPERATING COST OUTREACH OUTSTANDING LOANS PAYMENT SERVICES PAYMENTS SERVICES PENSIONS POINT-OF-SALE POINT-OF-SALE TERMINALS POOR BORROWERS POOR CLIENTS POSTAL BANK POSTAL BANKING POSTAL BANKS PRIVATE CREDIT PRIVATE FINANCIAL INSTITUTIONS PRIVATE SAVINGS PUBLIC CREDIT QUESTIONNAIRE RECORD KEEPING REGULAR PAYMENTS REGULAR SAVINGS REPAYMENT RISK MITIGATION RURAL BRANCHES RURAL CLIENTS SAVERS SAVINGS SAVINGS ACCOUNTS SAVINGS PROGRAMS SAVINGS RATE SAVINGS SERVICES SMALL BUSINESS SMALL BUSINESS OWNERS SMALL BUSINESSES SMALL ENTERPRISES SMALL ENTREPRENEURS SMALL LOANS SMART CARDS SOCIAL DEVELOPMENT SOCIAL SECURITY SOURCE OF CREDIT SOURCE OF FUNDS SOURCES OF CREDIT TAX ADVANTAGES TAX BREAKS TAX INCENTIVE TAX INCENTIVES TERM CREDIT TRANSACTION COSTS UNEMPLOYMENT UNSTABLE INCOMES USURY USURY CEILINGS VALUABLE VILLAGES VULNERABLE GROUPS WAGE WAGES WORTH Financial Access 2009 introduces the latest data from a survey of financial regulators in 139 countries. It presents indicators of access to savings, credit, and payment services in banks, and in regulated nonbank financial institutions. It is intended for a broad audience of policymakers, researchers, practitioners, multilateral and bilateral investors, in order to guide monetary policy, monitor systemic risks, and collect information on the values of deposits and credit. This report reviews three interventions: disclosure requirements, interest rate caps, and methods to address excessive lending that can result in consumer indebtedness. Improved transparency and disclosure allow borrowers to make informed choices and can facilitate competition in financial markets, eventually leading to lower prices and improved products. Policies to restrict interest rates or credit quantity, especially in consumer credit, seem to have limited effect but require further analysis. 2013-03-21T20:37:25Z 2013-03-21T20:37:25Z 2009-09 http://documents.worldbank.org/curated/en/2009/01/16418208/financial-access-2009-measuring-access-financial-services-around-world https://hdl.handle.net/10986/12843 English en_US CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank application/pdf text/plain Consultative Group to Assist the Poor/The World Bank, Washington, DC |