Microfinance Banks and Financial Inclusion * | Zendy

Martin Brown | Zendy; Benjamin Guin | Zendy; Karolin Kirschenmann | Zendy

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Microfinance Banks and Financial Inclusion *

Author(s) -

Martin Brown,

Benjamin Guin,

Karolin Kirschenmann

Publication year - 2015

Publication title -

european finance review

Language(s) - English

Resource type - Journals

SCImago Journal Rank - 4.933

H-Index - 61

eISSN - 1573-692X

pISSN - 1382-6662

DOI - 10.1093/rof/rfv026

Subject(s) - microfinance , financial inclusion , low income , business , bank account , inclusion (mineral) , financial system , demographic economics , economics , financial services , finance , economic growth , payment , gender studies , sociology

We examine how the geographical proximity to a microfinance bank affects financial inclusion. We study the expansion of the branch network of ProCredit banks in South-East Europe between 2006 and 2010. We report three main findings: First, ProCredit is more likely to open a new branch in areas with a large share of low-income households. Second, in locations where ProCredit opens a new branch the share of banked households increases more than in locations where it does not open a new branch. Third, this increase is particularly strong among low-income households, older households, and households which rely on transfer income.

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