Determinants of Financial Inclusion in Africa: Evidence on Bank account ownership

Les déterminants de de l'inclusion financière en Afrique: Évidence sur la détention d'un compte courant

Amina Haoudi and Ayoub Rabhi
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Amina Haoudi: CERAPE - Laboratoire de Coordination des Études et des Recherches en Analyse et Prévisions Économiques (CERAPE) - FSJES-Fès - Faculté des Sciences Juridiques, Economiques et Sociales de Fès

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Abstract: The term "financial inclusion" implies the access to and use of banking services (bank accounts, savings, insurance, credits, payments, etc.) at a low cost for disadvantaged and low-income population in a country. In fact, banking services are considered as a public good. It is therefore necessary that the accessibility and equity in the use of banking services by the entire population must be among the main objectives of government policies and financial institutions, for it helps to meet the basic financial needs of the population in any country. The main objective of our study is to examine the determinants of bank account ownership which is considered to be the basic dimension of banking services use and therefore financial inclusion. In our paper, adopting an empirical approach of cross-sectional data, we study the elements that condition the ownership of a bank account in the African continent.

Keywords: Keywords: Financial Inclusion; Africa; Cross-sectional data; banking services; Finance. Bank accounts; Mots-clés : Inclusion financière; Afrique; Données transversales; Services bancaires; Finance; Comptes courants. (search for similar items in EconPapers)
Date: 2018-05-04
New Economics Papers: this item is included in nep-fle
Note: View the original document on HAL open archive server: https://hal.science/hal-02433087
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Published in Colloque international, « Finance, inclusion et durabilité en Afrique » 4 et 5 Mai 2018 à l’ENCG de Fès., May 2018, Fès, Maroc

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