Gender and Access to Finance what is access to finance? 5



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1.5 Further reading

Aguilera-Alfred, Nelson, Mayada Baydas and Richard L. Meyer, 1994. “Credit rationing in small-scale enterprises: special micro-enterprise programs in Ecuador.” Journal of Development Studies.


Aidis, R. F. Welter, D. Smallbone, N. Isakova, 2003. “Female entrepreneurship in transition economies: the case of Lithuania and Ukraine.”
Almeyda, Gloria, 1996. “Money Matters: Reaching women micro-entrepreneurs with financial services,” Inter-American Development Bank.
Aspray, W.J., J. McGrath Cohoon, 2006. “Access to Financial Capital: A review of research literature on women’s entrepreneurship in the Information Technology field.” National Center for Women and Information Technology, Entrepreneurial Report Series.
Bardasi, Elena, C. Mark Blackden, Juan Carlos Guzman, 2007. “Gender, Entrepreneurship, and Competitiveness in Africa,” Chapter, 4, The Africa Competitiveness Report.

Bardasi, E 2008 “Gender Entrepreneurship and Competitiveness: Results from Enterprise Survey Data.”



Barr, M., 2004. Banking the Poor: Policies to Bring Low-Income Americans into the Financial Mainstream. The Brookings Institution Research Brief, Washington DC
Barth, J.R., G. Caprio, and R. Levine. 2006. Rethinking bank regulation: Till angels govern. Cambridge University Press.
Blanchard, Lloyd, Bo Zhao and John Yinger, 2005. “Do credit market barriers exist for minority and women entrepreneurs?”
Bass, J. and Henderson, K. 2000. “Leasing: A New Option for Microfinance Institutions.” Weidemann Associates, Inc. and Development Alternatives, Inc. Technical Note No.6.
Basu, P. and P. Srivastava. 2005. Scaling-up Microfinance for India’s Rural Poor. World Bank Policy Research Working Paper No. 3646.
Baydas, Mayada M., Richard L. Meyer, and Nelson Aguilera-Alfred, 1994. “Discrimination against women in formal credit markets: Reality or rhetoric?” World Development 22, 1073-1082.
Beck, T., A. Demirguc-Kunt and S. Martinez Peria. 2006. “Banking Services for Everyone? Barriers to Bank Access and Use Around the World,” World Bank Policy Research Working Paper No. 4079.
Beck, T., A. Demirguc-Kunt and S. Martinez Peria. 2005. Reaching Out: Access to and use of banking services across countries, World Bank Policy Research Working Paper No. 3754.
Bennett, L. & Goldberg, M., 1993. “Providing enterprise development and financial services to women: a decade of bank experience in Asia.” Volume 236 WORLD BANK Regional & Sectoral Series
Bertrand, M., S. Djankov, R. Hanna, S. Mullainathan. 2007. Does Corruption Produce Unsafe Drivers?, Quarterly Journal of Economics.
Boros, R., M Murray and I. Sisto, 2002. “A Guide to gender-sensitive microfinance: Socio-economic and Gender Analysis (SEAGA) Program.”
Bostic, Raphael W. and Paul S. Calem, 2003. “Privacy Restrictions and the Use of Data at Credit Registries”, in Credit Reporting Systems and the International Economy, Margaret J. Miller (Ed.).
Brush, C, N. Carter, E. Gatewood, P. Greene, M. Hart, 2004. “Gatekeepers of Venture Growth: A Diana Project Report on the Role and Participation of Women in the Venture Capital Industry.”
Buvinic, Mayra, Marguerite Berger, 1990. “Sex differences in access to a small enterprise development fund in Peru.” World Development, Volume 18, Issue 5, Pages 695-705.
Campbell, J.Y. 2006. Household Finance. Journal of Finance, 61(4), pp. 1553-1604.
Caskey, J., C. Duran, and T. Solo. 2006. The Urban Unbanked in Mexico and the United States. World Bank Policy Research Working Paper 3835.
Caskey, J.P., 2002. Bringing Unbanked Households into the Banking System. Published as part of the Brookings Institution’s Capital Xchange series.
Chidzero, A., K. Ellis and A. Kumar. 2006. Indicators of Access to Finance Through Household Level Surveys: Comparisons of Data from Six Countries. Paper prepared for Conference: Access to Finance: Building Inclusive Financial Systems. Washington DC: Brookings Institute and World Bank.
Christen, R.P., R. Rosenberg and V. Jayadeva., 2004. Financial Institutions with a Double Bottom Line: Implications for the future of microfinance. CGAP Occasional Paper No. 8.
Crook, J., 2001. The Demand for Household Debt in the USA: Evidence from the 1995 Survey of Consumer Finance. Applied Financial Economics, 11, pp. 83-91.
Carter, Nancy, Candida Brush, Patricia Greene, Elizabeth Gatewood and Myra Hart, Routledge, 2003. “Women entrepreneurs who break through to equity financing: the influence of human, social and financial capital.” Venture Capital: An International Journal of Entrepreneurial Finance, Volume 5http://www.informaworld.com/smpp/title~content=t713798069~db=all~tab=issueslist~branches=5 - v5, Issue 1 pages 1 – 28.
Carter, Sara and Eleanor Shaw, 2006. “Women’s business ownership: Recent research and policy developments.” Report to the Small Business Service.
Cavalluzo, K.S., L.C. Cavalluzo and J.D. Wolken, 2002. “Competition, small business financing and discrimination evidence from a New Survey.”Journal of Business 75, no. 4: 641-680.
Chen, Martha, 1996. "Beyond Credit: A sub-sector approach to promoting women's enterprises."
Chen, Martha Alter, 2001. “Women and Informality: A global picture, the global movement.” WIEGO, SAIS Review - Volume 21, Number 1, pp. 71-82.

Chen, M., R. Jhabvala and R. Nanavaty, 2003. “The Investment Climate for Female Informal Businesses: A Case Study from Urban and Rural India” Background Paper for the 2005 World Development Report.


Cheston, Susy, 2005. “Women and Microfinance: An Unfinished Success Story
Cheston, Susy, 2004. “Women and microfinance: opening markets and minds.” USAID.
Cheston, S. 2006 “'Just the facts ma'am' - Gender stories from unexpected sources with morals for microfinance,” Microcredit Summit Campaign.
Cheston, Susy and Lisa Kuhn Fraioli, 2002. “Empowering women through microfinance" Pathways Out of Poverty: Innovations in Microfinance for the Poorest Families. Kumarian Press.
CIDA, 2007 ). “Impacts of microfinance initiatives on children: overview of the study report” Prepared by PTE and MEDA, for Children’s Rights and Protection Unit and the Canadian International Development Agency
Coleman, S, 2000. “Access to capital and terms of credit: A comparison of men and women-owned businesses.” Journal of Small Business Management vol. 38, pp. 37-52.
Coleman S., 2002. “Constraints faced by women small business owners: evidence from the data.” Journal of developmental entrepreneurship, vol. 7, no. 2 (August), pp. 151-174.
Cole, Shawn, Thomas Sampson and Bilal Zia, 2009. “Valuing Financial Literacy Training.” Working Paper.
De Mel, Suresh, David McKenzie, Christopher Woodruff, 2007. “Who does microfinance fail to reach? Experimental evidence on gender and micro-enterprise returns.” UCSD
De Mel, Suresh, David McKenzie and Christopher Woodruff, 2009. “The Impact of an Incentive Scheme to Credit Staff.” Ongoing Project.
Demirguc-Kunt, Asli, Thorsten Beck, Patrick Honohan, 2008. “Finance for all? A World Bank Policy Research Report: Policies and pitfalls in expanding access.”
Deshpande, R. and D. Burjorjee, 2001. “Increasing Access and Benefits for Women: Practices and innovations among microfinance institutions—Survey Results,” UNCDF.
Deshpande, R., Pickens, M. and Messan, H. 2006 Uganda Country_level Savings Assessment. CGAP Saving Initiative, CGAP, Washington DC
Dessy, S. and J. Ewoudou, 2006. “Microfinance and female empowerment.”
Diagne, Aliou, Manfred Zeller, and Manohar Sharma, 2000. “Empirical measurements of households’ access to credit and credit constraints in developing countries: Methodological Issues and Evidence.” IFPRI, FCND Discussion Paper No. 90. IFPRI.
Dowla, Asif Ud,1998. “Micro Leasing: The Grameen Bank Experience,” Presented in the USAID Advancing Microfinance in Rural West Africa Conference, 2000.
Dunham, C. R. 2001. The Role of Banks and Nonbanks in Serving Low- and Moderate-Income Communities. In: J.L. Blanton, S. L. Rhine and A. Williams (eds.) Changing Financial markets and Community Development. Federal Reserve Bank of Richmond, pp. 31-58.
Ellis, Amanda, Jozefina Cutura, Nouma Dione, Ian Gillison, Clare Manuel and Judy Thongori, 2007. “Gender and Economic Growth in Kenya: Unleashing the Power of Women.” WORLD BANK.
Ellis, Amanda, Blackden, Mark, Jozefina Cutura, Fiona MacCulloch and Holger Siebeens, 2007. “Tanzania Gender and Economic Growth Assessment.” WORLD BANK.
Faisel, Arjumand, 2004. “Impact Assessment of Kashf’s Microfinance and Karvaan Enterprise Development Program.” DFID. 
FDIC National Survey of Unbanked and Underbanked Households, 2009
Foreign Investment Analysis Service (FIAS), World Bank, 2008. “Removing Barriers to Enterprise Formalization in Papua New Guinea, A Gender Analysis”
Field, Erica, Maximo Torero, 2006. “Do Property Titles Increase Credit Access Among the Urban Poor? Evidence from a Nationwide Titling Program.” Harvard University, Group for Development Analysis, and International Food Policy Research Institute.
Fjeldstad, Odd-Helge, Ivar Kolstad, Knut Nygaard, 2006. “Bribes, taxes and regulations: Business constraints for micro enterprises in Tanzania”, CMI WP.
Fleisig, Heywood, Mehnaz Safavian, Nuria de la Pena, 2006. “Reforming collateral laws to expand access to finance,” pp. 1-104(104).
Gasparini, L., F. Gutierrez, G. Porto, A. Tamola and L. Tornarolli. 2005. Finance and Credit Variables in Household Surveys of Developing Countries. World Bank mimeo.
GEM, IFC, 2005. “Gender and Growth Assessment for Uganda: Gender Perspective on legal and administrative barriers to investment.”
GEM Case Studies: http://www.ifc.org/gender
Gine, Xavier and Karlan Dean 2006. Group versus Iiduvidual Liability: A Field Experiment in the Philippines.
Goetz, Anne Marie and Rina Sen Gupta, 1996. "Who takes the credit? Gender, power and control over loan use in rural credit programs in Bangladesh." World Development Vol.24, No.1, 45-63.
Goheer, Nabeel A., 2003. “Women Entrepreneurs in Pakistan: How to Improve Their Bargaining Power” ILO.
Gonzalez, A. and R. Rosenberg. 2006. The State of Microfinance: Outreach, Profitability, and Poverty: Findings from a Database of 2600 Microfinance Institutions. Presented at the Global Conference on Access to Finance, World Bank, Washington DC.
Getting Finance Indicator Approach paper, 2007, FPDFA, WORLD BANK
Haight, Alison, 2005. Reaching Low-Income Women with Enterprise Development Services: Challenges and Opportunities, SEEP Network,
Harrison R. and M. Colin, 2005. “Does Gender Matter? Women business angels and the supply of entrepreneurial finance in the UK.”
Hashemi Syed M., Sidney Ruth Schuler and Ann P. Riley, 1996. “Rural Credit Programs and Women’s Empowerment in Bangladesh,” World Development 24:635-653.
Heidrik, T. and Nicol, T., 2002 “Financing SMEs in Canada: Barriers Faced by Women, Youth, Aboriginal and Minority Entrepreneurs in Accessing Capital —Phase 1: Literature Review Prepared for Industry Canada “
Hesselink, H., J. van Iwaarden and T. van der Wiele (2003) Mystery shopping: A tool to develop insight into customer service provision. Working Paper - Rotterdam School of Management.
Honohan, P., 2004 Measuring Microfinance Access: Building on Existing Cross-Country Data; Prepared for the UNDP, World Bank and IMF Workshop Data on the Access of Poor and Low Income People to Financial Services Washington, DC, October 26, 2004
Honohan, P., 2006. Household Financial Assets in the Process of Development. World Bank Policy Research Working Paper No. 3965.
Herrera, Carlos Enrique, 2003. “Guatemala: Analysis of the Lending and Credit Reporting Systems in the Formal and Agricultural Sectors”
International Finance Corporation (IFC), Gender Entrepreneurship Markets (GEM) and The Mekong Private Sector Development Facility (MPSDF), 2006. “Women Business Owners in Vietnam: A National Survey.”
International Labor Office (ILO) SEED Program and African Development Bank (AfDB) Private Sector Department (OPSD), 2004. “Supporting growth oriented women entrepreneurs in Ethiopia, Kenya & Tanzania.”Report.
International Labor Organization (ILO) and Commonwealth Secretariat, 2003. “Small and Medium Enterprise Development,” Series No.3.
Isern, J. and D. Porteous, 2005. “Commercial Banks and Microfinance: Evolving models of success.” Focus Note 28, CGAP.
Isern, J., D. Porteous, R. Hernandez-Coss and C. Egwuagu, 2005. “AML/CFT Regulation: Implications for Financial Service Providers that Serve Low-income People,” Focus Note No. 29, CGAP.
Johnson, S., 1999. “Gender and microfinance: guidelines for good practice,” Centre for Development Studies, University of Bath.
Johnson, S. 2004. “Gender Norms in Financial Markets: Evidence from Kenya.” University of Bath, Bath, UK, World Development, Vol. 32, Issue 8, Pages 1355-1374.
Johnson, S. and Max Ninio Zarazua, 2009. “Financial Access and Exclusion in Kenya and Uganda.” University of Bath, Bath papers in International Development No.1
Jones, H, Williams, M. Thorat, Y. Thorat, A, 2004. .”Attitudes of Rural Branch Managers in Madhya Pradesh, India, toward Their Role as Providers of Financial Services to the Poor.”
Kabeer, Naila, 1998. “Money can’t buy me love? Re-evaluating gender, credit and empowerment in rural Bangladesh”, IDS Discussion Paper 363.
Kabeer, Naila, 2000. “Conflicts over Credit: Re-Evaluating the Empowerment Potential of Loans to Women in Rural Bangladesh.” World Development Journal Elsevier Science Ltd. Volume 29, number 1.
Karlan, Dean and M. Valdivia, 2006. “Teaching Entrepreneurship: Impact of business training on microfinance clients and institutions.”
Kelkar, G., D. Nathan, and R. Jahan, 2004. “We were in fire, now we are in water: Micro-credit and gender relations in rural Bangladesh.” IFAD-UNIFEM.
Kempson, E. and C. Whyley 1999a. Kept Out or Opted Out? Understanding and Combating Financial Exclusion. Bristol Policy Press.
Kempson, E. and C. Whyley 1999b. Understanding and Combating Financial Exclusion. Insurance Trends, 21, pp. 18-22.
Klapper, L., L. Laeven, and R. Rajan, 2006. “Entry Regulation as a Barrier to Entrepreneurship,” Journal of Financial Economics.
Klapper, L and Zia, B. 2009 Financial Stability and Access: The Importance of Financial Literacy

Kuhn-Fraioli, L., forthcoming. "Chipping away at the glass ceiling: Identifying and overcoming obstacles to business expansion for women,” SPM.

Kumar, A. 2005. Access to Financial Services in Brazil. Directions in Development series, Washington, DC, World Bank.

Kumar, A. and A-M. Chidzero, 2005. Indicators of Financial Access: Household-level surveys, World Bank Financial Sector Policy Note. World Bank. 2005.

Kumar, A., A. Nair, A. Parsons and E. Urdapilleta. 2006. Expanding Bank Outreach Through Retail Partnerships: Correspondent Banking in Brazil”, World Bank Working Paper 85.

Ledgerwood Joanna 1999. Microfinance Handbook, An Institutional and Financial Perspective. The World Bank, Washington DC.

Lyman, T, G. Ivatury and S. Staschen. 2006. Use of Agents in Branchless Banking for the Poor: Rewards, Risks, and Regulation. CGAP Focus Note No. 38.

Luoto Jill, Craig McIntosh, Bruce Wydick, 2007. “Credit Information Systems in Less-Developed Countries: A Test with Microfinance in Guatemala,” University of Chicago Press.


Malhotra, Mohini, Yanni Chen, Alberto Criscuolo, Qimiao Fan, Iva Ilieva Hamel, and Yevgeniya Savchenko, 2006. “Expanding access to finance: Good practices and policies for micro, small, and medium enterprises,” The World Bank.
Mas, Ignacio and Siedek, Hannah, 2008 “Banking Through Networks of Retail Agents”
Mayoux, L., 1995. "From Vicious to Virtuous Circles? Gender and Micro-Enterprise Development."
Mayoux, Linda, 2001. “Jobs, gender and small enterprises: Getting the policy environment right.” Working Paper No. 15, SEED.
Mayoux, Linda, 2006. “Women's empowerment through sustainable micro-finance: Rethinking "best practice.” Sustainable Micro-finance for Women's Empowerment.
McCarter, Elissa, 2006. “Women and Microfinance: Why We Should Do More”
Mckenzie, D. 2009 “Why is more capital not enough to grow women’s businesses.”

Menzies, T. V., M. Diochon and Y. Gasse, 2004. “Examining venture-related myths concerning women entrepreneurs.” Journal of Developmental Entrepreneurship, 9(2): 89-107.


McIntosh, C. E., Sadoulet, and A. de Janvry, 2006. “Better lending and better clients: credit bureau impact on microfinance” BASIS, Number 45.
Michael S. Barr, Anjali Kumar and Robert E. Litan, eds., Brookings Institution Press 2007
MkNelly, Barbara and Christopher Dunford, 1998. “Impact of credit with education on mothers and their young children’s nutrition: Lower Pra Rural Bank Credit with Education Program in Ghana.” Freedom from Hunger.
Littlefield, E. Morduch, J., and Hashemi, S., 2003. “Is Microfinance an effective strategy to reach the Millennium Development Goals?” Focus Note No. 24 CGAP.
Meckenzie, D 2009: Why is more capital not enough to grow female’s businesses?
Morrison Andrew, Dhushyanth Raju, Nistha Sinha, 2007. “Gender equality, poverty and economic growth” Policy Research Working Paper 4349, World Bank’s Global Monitoring Report.
Mullainathan, Sendhil and Mann Deshi, forthcoming. “Comparing the impact of savings and credit” CFM.
Muravyev, Alexander, Dorothea SchÄafer & Oleksandr Talavera, 2007. “Entrepreneurs' gender and financial constraints: evidence from international data.”
Murray, I., 2002. “Gender Relations and Microfinance: Intra Household Resource Allocation and the Capacity of Poor Women to Grow Their Businesses in the Dominican Republic.”
Murray, U., 2005. “Promoting gender-sensitive entrepreneurship via microfinance institutions” Food and Agriculture Organization.
Murray I. and N. Barkallil, 2006. “Household resource allocation and the capacity of poor women to grow their businesses in Morocco,” Women’s World Banking (WWB).
Mutalima, I, 2006. “Microfinance and gender equality: Are we getting there?” Microcredit Summit Campaign.
Naidoo, Sharda, Anne Hilton and Natalie Africa(ed.), 2006 “Access to finance for women entrepreneurs in South Africa: challenges and opportunities.”
Narain, Sushma, forthcoming. “Access to Finance for Women SME Entrepreneurs in Bangladesh”, Gender Entrepreneurship Markets, IFC, South Asia Enterprise Development Facility (SEDF), Bangladesh.
Niethammer, Carmen , Tania Saeed, Tania Sidi Mohamed, Shaheen and Charafi, Yasser, 2007. WomenOMEN ENTREPRENEURS AND ACCESS TO FINANCE IN PAKISTAN
Pal M.S. 2006 “Women Entrepreneurs and the Need for Financial Sector Reform”
Pande, R., E. Field and Fetter, Forthcoming. “Credit for Women,” CFM.
Pande, Rohini, Erica Field, Seema Jayachandran, Divya Varma and Summer Starr, 2007. “The Impact of Business Training on Small Business Outcomes.” Preliminary findings.
Peachey, S. and A. Roe 2004. Access to Finance, A Study for the World Savings Banks Institute. Oxford Policy Management.
Pitt, Mark M., Shahidur R. Khandker, Omar Haider Chowdhury, and Daniel L. Millimet, 2003a. “Credit programs for the poor and the health status of children in rural Bangladesh,” International Economic Review, Vol. 44, No. 1, pp. 87-118.
Porteous, D. 2006. The Enabling Environment for Mobile Banking in Africa. London: DFID.
Porteous, D and Wishart, N. 2006 M-Bnaking: A Knowledge Bank
PTE and MEDA, Canadian International Development Agency, 2007. “Impacts of microfinance initiatives on children: overview of the study report”
Ramji, M. 2009. “Financial Inclusion in Gulbarga: Finding Usage Through Access”
Richardson, Pat, Rhona Howarth and Gerry Finnegan, 2004. “The Challenges of Growing Small Businesses: Insights from Women Entrepreneurs in Africa.” ILO Geneva, SEED WP No. 47.
Rose, Kalima, 1992. "Where women are leaders: The SEWA Movement in India."
Rozycki, Valeri, 2006. “Credit Information Systems for Microfinance A foundation for further innovation”
Sabarwal, Shwetlena and Katherine Terrell, forthcoming. “Does Gender Matter for Firm Performance? Evidence from the ECA Region” World Bank.
Saravia, Jimmy and Silvia Saravia, 2007. “Gender Issues in Microfinance and Repayment Performance: The Case of a Nicaraguan Microfinance Institution.” Second International Conference on Interdisciplinary Social Sciences – University of Granada.
Schargrodsky, Ernesto, 2006. “Property Rights for the Poor: Effects of Land Titling,”
Shahriari, H & Danzer A.M. forthcoming “A Gender Perspective on Access to Land and Finance in Tajikistan. Quantitative Evidence from the LSMS 2007 Survey.”
Sievers M. and P. Vandenberg, 2007. “Synergies through linkages: Who benefits from linking micro-finance and business development services?, ” aILO.
Simel, E, 2001. “See how they grow. Business development services for women's business growth.” ICRW.
Staveren Irene van, 2001. “Gender Biases in Finance” Gender and Development, Vol 9, No.1; pp 9-17

Storey, D. J, 2002. “Racial and gender discrimination in the micro firms credit market: Evidence from Trinidad and Tobago.” Small Business Economics 23:401-422.


Swain, Ranjula Bali and Fan Yang Wallentin, 2007. “Does microfinance empower women? Evidence from Self Help Groups (SHGs) in India.”
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Stone, R. 2005. Financial Access Indicators Stocktake. Paper prepared for DFID, London, UK.


Tejerina, Luis and Glenn Westley. 2007. Financial Services for the Poor: Household Survey Sources and Gaps in Borrowing and Saving. Inter-American Development Bank, Washington DC. March.
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Verheul, Ingrid and Roy Thurik, 2000. “Start-Up Capital: Differences between male and female entrepreneurs - 'Does gender matter?”
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Websites:
AGDI: http://www.uneca.org/acgd/Publications/AGDI_book_final.pdf
CGAP: http://technology.cgap.org/2007/12/17/faq-what-are-banking-agents/

DHS: http://www.measuredhs.com/countries/


Center for Global Development: http://www.cgdev.org/section/topics/finance/policy_principles_for_expanding_financial_access_task_force

Enterprise Survey: https://www.enterprisesurveys.org/Portal/Login.aspx?ReturnUrl=%2fPortal%2felibrary.aspx%3flibid%3d14&libid=14


Financial Diaries: http://www.financialdiaries.com/key_findings.htm
Gender Action Plan: http://web.worldbank.org/WBSITE/EXTERNAL/TOPICS/EXTGENDER/0,,contentMDK:21104005~pagePK:210058~piPK:210062~theSitePK:336868,00.html
GEM: http://www.ifc.org/gender
IFS : http://www.imfstatistics.org/imf/about.asp
LSMS: http://go.worldbank.org/WKOXNZV3X0
OECD: http://www.oecd.org/document/16/0,3343,en_2649_33731_39323280_1_1_1_1,00.html
UNCHS: http://www.un.org/Conferences/habitat/unchs/press/women.htm
USAID: http://www.gems-afghan.com/ngo/USAID-SibleyFinalMayReport0607.pdf
WB:http://econ.worldbank.org/WBSITE/EXTERNAL/EXTDEC/EXTRESEARCH/0,,contentMDK:20819859~pagePK:64165401~piPK:64165026~theSitePK:469382,00.html

Annex I: AGDI Indicators and Variables


Source: AGDI, 2004

Annex II: Composite Measure of Access to Financial Services

Source: Finance For All, WORLD BANK, 2008



Annex III: LSMS
Country

Albania

Armenia

Bosnia & Herzegov.

Brazil

Bulgaria

China

Côte d'Ivoire

Ecuador

Ghana

Guatemala

Guyana

India (UP & B) [1]

Kosovo [2]

Jamaica

Kazakhstan

Kyrgyz Republic

Morocco

Nepal

Nicaragua

Pakistan

Panama

Peru

Romania

Russia

South Africa

Tajikistan

Viet Nam

Date of the survey

2002

1996

2001

1996/97

2001

1995 & 1997

1988

1998

1998/99152

2000

1992/93

1997/98

2000

1997

1996

1998

1991

1996

1998-99

1991

1997

1994

1994/95

1992

1993

1999

1997-98

Sample size

3600

4920

5402

4940

2500

780

1600

5801

5998

7940

5340

2250

2880

2020

1996

2979

3323

3373

4209

4800

5614

3500

36000

6500

9000

2000

5994

Loan or credit-related questions



















































































Did you borrow in the past 12 months?







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Sources of the credit?

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Main reason for borrowing?







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How much did you borrow?







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What kind of documents needed to get the loan?




























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How much of the loan still outstanding?










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How much loan commission?




























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The time taken to obtain loan?























































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Payment schedule or maturity?










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Annual interest rate and for how long?

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Collateral or guarantee provided?
















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Loans from private individuals and how much?




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How often borrow from friends, others or banks?
















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How much do you think your family could borrow?
















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Were you refused a loan during the last 12 months?







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Why was the loan refused?

























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Why did you not attempt to borrow?







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Distance to lenders

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Purchase on credit (where, for what products, deposits, guarantees, interest)




























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Mortgage related questions








































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Savings and deposits-related questions



















































































Did you save in the past 12 months?




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Total amount of savings held by your household?




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Where did you save it?




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Interest from saving accounts








































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Distance from your home to the place of deposit?























































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Money taken from savings











































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What is the main reason for not saving money?




























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