A Research on Socio-Economic Determinants of Access to Banking Services

Hasmet Sarigul

Journal of BRSA Banking and Financial Markets, 2015, vol. 9, issue 1, 83-102

Abstract: Limited or no access to banking services may cause savings gaps, liquidity problems, external financing, costs and returns on issues, money safety problems and informal economy. Many empirical researches reveal that socio-economic and demographic factors are affecting access to banking services.Tthe aim of this study is toinvestigate the socio-economic determinants of access to finance. Panel data regression analysis is used for testing the hypotesis empirically. The empirical results revelaled that there are significant relations between access to finance and socio-economic factors in areas of population density, urbanization rate, gross value added per capita, number of road motor vehicles and electricity consumption.

Keywords: Banking Services; Access; Panel Data (search for similar items in EconPapers)
JEL-codes: C23 R12 R51 (search for similar items in EconPapers)
Date: 2015
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Persistent link: https://EconPapers.repec.org/RePEc:bdd:journl:v:9:y:2015:i:1:p:83-102

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