加纳普惠金融的计数模型:来自生活水平调查的证据

Haruna Issahaku, Munira Alhassan Muhammed, Benjamin Musah Abu
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引用次数: 1

摘要

本文旨在估计加纳家庭使用金融包容性强度的决定因素。由于家庭使用一种或多种金融产品或服务的现实,本研究使用适用于2012/2013年和2016/2017年分别收集的GLSS6和GLSS7数据的广义泊松模型来估计金融包容性使用强度的决定因素。为了进一步深入分析,本文还采用了多项式概率模型。研究结果表明,道路、公共交通和银行等基础设施变量刺激了普惠金融的强度。此外,市场和合作社等农业发展特征对包容性的强度至关重要。有必要将人们使用的服务数量或服务深度纳入普惠金融概念化的一部分,因为这可以提供更多与政策相关的证据,以加强普惠金融政策的优先事项设置。此外,农业经济微观层面的普惠金融研究应考虑在建模框架中探索农业发展和基础设施变量。为了进一步研究,普惠金融的计数模型应考虑探索跨国分析、使用面板数据或其他方法学方法,以提供更有力的证据。虽然概念化强调了人们使用不同的金融产品或服务这一事实,但之前的研究并没有基于计数模型对金融包容性进行建模,作为衡量强度的手段。从这个角度出发,据作者所知,本研究首次尝试分析家庭使用的金融产品或服务数量的潜在决定因素。
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A count model of financial inclusion in Ghana: evidence from living standards surveys
Purpose This paper aims to estimate the determinants of the intensity of use of financial inclusion by households in Ghana. Design/methodology/approach Due to the reality of a household using one or more financial products or services, this study uses the generalised Poisson model applied to GLSS6 and GLSS7 data collected in 2012/2013 and 2016/2017 respectively, to estimate the determinants of the intensity of use of financial inclusion. To deepen the analysis, a multinomial probit model is also applied. Findings Results show that infrastructural variables such as roads, public transport and banks stimulate the intensity of financial inclusion. In addition, agricultural development characteristics such as markets and cooperatives are essential for the intensity of inclusion. Research limitations/implications There is a need to incorporate how many services or depth of services that people use as part of the conceptualisation of financial inclusion, as this can provide more policy-relevant evidence to enhance priority setting in financial inclusion policies. Also, micro-level financial inclusion studies in agrarian economies should consider exploring agricultural development and infrastructure variables in the modelling framework. As lead to further studies, count models of financial inclusion should consider exploring cross-country analysis, the use of panel data, or other methodological approaches to provide more robust evidence. Originality/value Previous studies have not modelled financial inclusion based on a count model as a means of measuring intensity though conceptualisations highlight the fact that people use varied financial products or services. Following from this angle, to the best of the authors’ knowledge, this study provides the first attempt at analysing the underlying determinants of the number of financial products or services used by households.
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来源期刊
Journal of Economics, Finance and Administrative Science
Journal of Economics, Finance and Administrative Science Economics, Econometrics and Finance-Economics, Econometrics and Finance (all)
CiteScore
5.10
自引率
20.80%
发文量
23
审稿时长
12 weeks
期刊介绍: The Universidad ESAN, with more than 50 years of experience in the higher education field and post graduate studies, desires to contribute to the academic community with the most outstanding pieces of research. We gratefully welcome suggestions and contributions from business areas such as operations, supply chain, economics, finance and administration. We publish twice a year, six articles for each issue.
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