Bank Competition and Financial Inclusion: Evidence from Ghana

Agyapomaa Gyeke-Dako Vera Fiador, Agbloyor Elikplimi Komla and Abor Joshua Yindenaba

Working Papers from African Economic Research Consortium

Abstract: This paper investigates how banking sector competition, measured from the consumer's perspective as well as from financial intermediary pricing behaviour, affects financial inclusion in a developing country like Ghana. Financial inclusion in Ghana has remained low, leading us to examine if competition within banks (who happen to be the largest financial institutions) promotes financial inclusion. This paper measures competition using two indicators: the consumer-level measure of competition relating to the proliferation of bank branches, and a measure for banking sector competition using the funding-adjusted Lerner index

Date: 2021-08
Note: African Economic Research Consortium
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