New PDF release: Assessing Financial Access In Brazil (World Bank Working

By Thorsten Beck, Cristine Campos, Soumya Chattopadhyay

ISBN-10: 0821361317

ISBN-13: 9780821361313

ISBN-10: 1417593776

ISBN-13: 9781417593774

Entry to monetary providers in Brazil has been really solid during the last ten years, regardless of the banking zone contraction of the past due Nineties. extensive geographic diversifications within the provide of banking prone via zone and municipality are partially defined via differentials in source of revenue and inhabitants density. On a cross-country foundation, Brazil doesn't seem to be underbanked. using monetary providers via varied teams of customers in Brazil, variations in monetary entry throughout areas is proven, yet adjustments between richer and poorer neighborhoods may be as vital. Public monetary associations in Brazil, deemed to be socially dependable, seem to have served deprived teams greater than deepest banks on a few measures and for a few companies. even though, their position varies through form of provider, and relating to a few companies, public banks in reality can have higher served the better-off teams. on the point of people, an important determinants of entry to monetary providers are socio-economic features this type of source of revenue, wealth, and schooling. this can symbolize that during the presence of uneven details, entry to such companies relies severely on patron info, and such features offer a proxy for creditworthiness.

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Extra resources for Assessing Financial Access In Brazil (World Bank Working Papers)

Example text

However, possessing collateral is the only characteristic which makes a significant difference to credit sources. Employment—Having a Job: More than half the people who had a job in the last month (55 percent) had a bank account, in contrast only 30 percent that people who didn’t have a job in the last month had a bank account. 38 percent of individuals who had a job in the last month had money in either a special savings account, a current account or a term deposit account, in contrast only 19 percent of persons who didn’t.

Results for deposit services reveal marginal effects of around 8 percentage points for each of the variables income and higher education. Micro measures of location appear similarly important; those living in improvised or collective houses have 9 percentage points lower likelihood of having deposit balances, and people living in houses with less than two rooms per person have an 18 percent lower probability of having bank deposits. For credit services, additional income and education beyond primary levels are the only significant 34 World Bank Working Paper Table 13.

However, 17 percent responded that they assumed the response would be negative. The balance did not know how to apply (4 percent), or had other reasons (13 percent). Table 9. Access to Loans and Credits Respondents who: Applied for a loan and received it Applied for a loan but did not receive it Did not apply for loans Received credit primarily from: Private institutions Public Family/Friends Finance companies Credit cooperatives or credit unions Commercial shops Others Received a business loan Received a personal loan Did not require collateral to obtain the loan Used a financial institution to obtain a loan for real estate Had a debit card Had a credit card Frequency Frequency(%) 205 95 1679 10 5 85 68 52 49 20 3 3 9 14 160 170 96 503 392 33 25 24 10 2 2 4 8 92 88 37 26 20 Source: World Bank, Survey of Access to Financial Services in Urban Areas of Brazil, 2002.

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Assessing Financial Access In Brazil (World Bank Working Papers) by Thorsten Beck, Cristine Campos, Soumya Chattopadhyay


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