What Determines Financial Exclusion? Evidence from Bolivian Household Data

Yener Altunbas, John Thornton and Alper Kara

No 10018, Working Papers from Bangor Business School, Prifysgol Bangor University (Cymru / Wales)

Abstract: We use a bivariate probit model with sample selection to investigate the factors affecting financial exclusion of Bolivian households. We find evidence that for heads of households, being female and indigenous is likely to result in exclusion from formal credit mechanisms, though being employed in the public sector and, for females, by having a university education, mitigates this.

Keywords: Credit Exclusion; Financial Exclusion; Informal Financial Institutions; Bolivia (search for similar items in EconPapers)
JEL-codes: D14 G21 (search for similar items in EconPapers)
Pages: 11 pages
Date: 2010-09
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (2)

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