Non-parametric evidence on the determinants of access to financial services in the countries of the Organization of Turkic States

IF 2.5 Q2 ECONOMICS Eurasian Economic Review Pub Date : 2024-09-05 DOI:10.1007/s40822-024-00288-6

Kenan İlarslan

引用次数: 0

Abstract

Access to financial services, which is a component of financial inclusion, enables individuals and businesses to access the funds they need on favorable terms and at low cost, without time and place constraints. In this respect, access to finance is seen as an important tool for economic growth, employment and poverty reduction. The study aims to examine the role of the variables of shadow economy (SE), human development level (HDI), automatic teller machines usage (ATM) and inflation (INF) on access to financial services (AFS) in the member countries of the Organization of Turkic States (OTS). In the study, which covers the period 2004–2021, analyzes were conducted within the framework of the fixed-effect Method of Moment Quantile Regression (MM-QR). According to the results of the study, while the level of HDI and the use of ATMs have a positive effect on AFS, while the SE has a negative effect. Although the INF rate has a negative effect on AFS, this effect could not be confirmed at any quantile level.

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关于突厥语国家组织成员国获得金融服务的决定因素的非参数证据

获得金融服务是普惠金融的一个组成部分，它使个人和企业能够以优惠的条件和低廉的成本获得所需的资金，而不受时间和地点的限制。在这方面，获得资金被视为促进经济增长、就业和减贫的重要工具。本研究旨在探讨影子经济（SE）、人类发展水平（HDI）、自动取款机（ATM）和通货膨胀（INF）等变量对突厥语国家组织（OTS）成员国获得金融服务（AFS）的作用。该研究涵盖 2004-2021 年，在矩量回归固定效应法（MM-QR）框架内进行了分析。研究结果表明，人类发展指数水平和自动取款机的使用对 AFS 有积极影响，而 SE 则有消极影响。虽然 INF 率对 AFS 有负面影响，但这一影响在任何量级都无法得到证实。

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来源期刊

Eurasian Economic Review ECONOMICS-

CiteScore

6.00

自引率

2.90%

发文量

期刊介绍： The mission of Eurasian Economic Review is to publish peer-reviewed empirical research papers that test, extend, or build theory and contribute to practice. All empirical methods - including, but not limited to, qualitative, quantitative, field, laboratory, and any combination of methods - are welcome. Empirical, theoretical and methodological articles from all fields of finance and applied macroeconomics are featured in the journal. Theoretical and/or review articles that integrate existing bodies of research and that provide new insights into the field are highly encouraged. The journal has a broad scope, addressing such issues as: financial systems and regulation, corporate and start-up finance, macro and sustainable finance, finance and innovation, consumer finance, public policies on financial markets within local, regional, national and international contexts, money and banking, and the interface of labor and financial economics. The macroeconomics coverage includes topics from monetary economics, labor economics, international economics and development economics. Eurasian Economic Review is published quarterly. To be published in Eurasian Economic Review, a manuscript must make strong empirical and/or theoretical contributions and highlight the significance of those contributions to our field. Consequently, preference is given to submissions that test, extend, or build strong theoretical frameworks while empirically examining issues with high importance for theory and practice. Eurasian Economic Review is not tied to any national context. Although it focuses on Europe and Asia, all papers from related fields on any region or country are highly encouraged. Single country studies, cross-country or regional studies can be submitted.