International financial inclusion: Multidimensional determinants of access to saving and credit
This work assesses quantitatively the determinants of two of the main indicators of financial inclusion: savings account ownership and credit access. Through the use of a dynamic panel, this work verifies that on the supply side, formal saving requires an infrastructure to access these services, as well as palliatives to the asymmetric information in the financial sector, while on the demand side, the education and the stability of income sources of its potential users are crucial.