Financial access and household welfare: evidence from Mauritania

Alessandra Amendola (), Marinella Boccia (), Gianluca Mele and Luca Sensini

No 7533, Policy Research Working Paper Series from The World Bank

Abstract: This paper evaluates the impact of access to credit from banks and other financialinstitutions on household welfare in Mauritania. Micro-level data from a 2014 household survey are used to evaluate the relationship between credit access, a range of household characteristics, and welfare indicators. To address potential endogeneity issues, the household isolation level is used to instrument access to credit. The results show that households headed by older, more educated people are more likely to access financial services, as are households located in urban areas. In addition, greater financial access appears to be associated with a reduced dependence on household production and increased investment in human capital.

Keywords: Debt Markets; Banks&Banking Reform; Economic Theory&Research; Access to Finance; Rural Poverty Reduction (search for similar items in EconPapers)
Date: 2016-01-11
New Economics Papers: this item is included in nep-dev
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Citations: View citations in EconPapers (4)

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