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on Financial Literacy and Education |
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Issue of 2021‒08‒30
three papers chosen by |
| By: | Ozili, Peterson Kitakogelu; Adamu, Ahmed |
| Abstract: | We examine whether countries that have high levels of financial inclusion have fewer non-performing loans and loan loss provisions in their banking sectors. The fixed effect panel regression methodology was used to analyse the effect of financial inclusion on bank non-performing loans and loan loss provisions. Using data from 48 countries, we find that greater formal account ownership is associated with high non-performing loans. Bank loan loss provisions are fewer in countries that have high levels of financial inclusion only when financial inclusion is achieved through the combined use of formal account ownership, bank branch supply and ATM supply. Also, non-performing loans are fewer in countries that experience economic boom and high levels of financial inclusion. |
| Keywords: | financial inclusion, non-performing loans, loan loss provisions, financial stability, bank stability, ATM, formal account ownership, credit risk, access to finance. |
| JEL: | G00 G20 G21 G23 G28 G29 O31 |
| Date: | 2021–08 |
| URL: | http://d.repec.org/n?u=RePEc:pra:mprapa:109321&r= |
| By: | Carvalho, Mckenzie; Kim, Ayoung; Harri, Ardian; Smith, Rebecca C.; Turner, Steven C. |
| Keywords: | Community/Rural/Urban Development, Institutional and Behavioral Economics, Consumer/Household Economics |
| Date: | 2021–08 |
| URL: | http://d.repec.org/n?u=RePEc:ags:aaea21:312755&r= |
| By: | Batiz-Lazo, Bernardo; González-Correa, Ignacio |
| Abstract: | This chapter considers the process of entrepreneurial activity to deploy financial technologies (fintech) through mandate-specific new companies in Latin America. We deal with important historical issues such as defining the term, establishing temporal and industrial activity boundaries, positioning this particular process within other organizational forms typical of the region, the role of women and other relevant issues such as the modernization of retail payments and personal lending. A central question is whether fintech start-ups have had a 'scissor' effect in the entrepreneurial process of Latin America: at the base of the pyramid (that is, reducing frictions to support overall entrepreneurial activity, increasing financial inclusion, etc.) and near the top (by creating new business leaders). As a result, this chapter provides an initial assessment of gender disparities and barriers enabling women entrepreneurs in the fintech ecosystem. |
| Keywords: | fintech, gender, women, entrepreneurship, startups, Latin America |
| JEL: | G2 J16 M13 N26 |
| Date: | 2021–08 |
| URL: | http://d.repec.org/n?u=RePEc:pra:mprapa:109373&r= |