Bank Accounts for All: How Do State Policies Matter?

Tyler Girard

Journal of International Development, 2020, vol. 32, issue 5, 793-818

Abstract: This paper examines the relationship between state policies and bank account ownership in developing countries. While existing literatures broadly support a ‘market‐enabling’ approach, consisting of limited direct state intervention and proportionate regulation, statistical analyses frequently rely on problematic measurement techniques. This study adopts a novel and more comprehensive approach by using a modified index constructed from expert evaluations. Using ordinary least squares regression, the analysis suggests a positive relationship between a market‐enabling state policy framework and increased bank account ownership among the total population, but the relationship diminishes among key subpopulations: adult women, rural adults and the poorest 40 per cent of adults. © 2020 John Wiley & Sons, Ltd.

Date: 2020
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https://doi.org/10.1002/jid.3478

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Persistent link: https://EconPapers.repec.org/RePEc:wly:jintdv:v:32:y:2020:i:5:p:793-818

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