TAILIEUCHUNG - Measuring Financial Inclusion - The Global Findex Database

Worldwide, by far the most common reason for not having a formal account— cited by 65 percent of adults without an account—is lack of enough money to use one. This speaks to the fact that having a formal account is not costless in most parts of the world and may be viewed as unnecessary by a person whose income stream is small or irregular. Other common reasons reported for not having an account are that banks or accounts are too expensive (cited by 25 percent of adults without a formal account) and that banks are too far away (cited by 20. | Public Disclosure Authorized Public Disclosure Authorized WPS6025 Policy Research Working Paper 6025 Measuring Financial Inclusion The Global Findex Database Asli Demirguc-Kunt Leora Klapper The World Bank Development Research Group Finance and Private Sector Development Team April 2012 Policy Research Working Paper 6025 Abstract This paper provides the first analysis of the Global Financial Inclusion Global Findex Database a new set of indicators that measure how adults in 148 economies save borrow make payments and manage risk. The data show that 50 percent of adults worldwide have an account at a formal financial institution though account penetration varies widely across regions income groups and individual characteristics. In addition 22 percent of adults report having saved at a formal financial institution in the past 12 months and 9 percent report having taken out a new loan from a bank credit union or microfinance institution in the past year. Although half of adults around the world remain unbanked at least 35 percent of them report barriers to account use that might be addressed by public policy. Among the most commonly reported barriers are high cost physical distance and lack of proper documentation though there are significant differences across regions and individual characteristics. This paper is a product of the Finance and Private Sector Development Team Development Research Group. It is part of a larger effort by the World Bank to provide open access to its research and make a contribution to development policy discussions around the world. Policy Research Working Papers are also posted on the Web at http . The authors may be contacted at Ademirguckunt@ and lklapper@. The Policy Research Working Paper Series disseminates the findings of work in progress to encourage the exchange of ideas about development issues. An objective of the series is to get the findings out quickly even if the presentations are

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