Banks and Microbanks

Using two new datasets, the authors examine whether the presence of banks affects the profitability and outreach of microfinance institutions. They find evidence that competition matters. Greater bank penetration in the overall economy is associate...

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Bibliographic Details
Main Authors:	Cull, Robert, Demirgüç-Kunt, Asli, Morduch, Jonathan
Format:	Policy Research Working Paper
Language:	English
Published:	2012
Subjects:	ACCESS TO CREDIT ACCESS TO FINANCIAL SERVICES AFFILIATE AGENCY PROBLEMS BALANCE SHEET BANK BRANCH BANK BRANCH NETWORKS BANK BRANCHES BANK ENTRY BANK INTEREST RATE BANK LENDERS BANK LENDING BANK LOAN BANK MERGERS BANK POLICY BANKING CONCENTRATION BANKING INDUSTRY BANKING SECTOR BANKING SECTOR ASSETS BANKING SECTOR DEVELOPMENT BANKING SECTOR EFFICIENCY BANKING SECTOR OUTREACH BANKING SECTORS BANKING SERVICES BANKING SYSTEM BANKING SYSTEMS BANKS BORROWER BORROWING BRANCH NETWORK BROAD ACCESS CAPITAL COSTS CASH FLOWS CENTRAL BANKS CHARTER COLLATERAL COLLATERAL REQUIREMENTS COMMERCIAL BANKING COMMERCIAL BANKS COMMERCIAL BORROWING COMMERCIAL INVESTMENT COMMERCIAL LAW COMPANY CREDIT CONSTRAINTS CREDIT MARKET CREDIT SCORING CREDITS CREDITWORTHINESS DEFAULT RATES DEPOSIT DEPOSIT ACCOUNTS DEPOSIT INTEREST DEPOSITS DEVELOPING COUNTRIES DEVELOPMENT ECONOMICS DUMMY VARIABLE DUMMY VARIABLES ECONOMIC ACTIVITY ECONOMIC GROWTH ECONOMIC THEORY ENDOWMENTS ENROLLMENT ENTERPRISE DEVELOPMENT EXPANSION FEMALE CLIENTS FINANCIAL ACCESS FINANCIAL CRISES FINANCIAL DATA FINANCIAL DEPTH FINANCIAL DEVELOPMENT FINANCIAL INNOVATIONS FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL PERFORMANCE FINANCIAL RATIOS FINANCIAL SELF-SUFFICIENCY FINANCIAL SERVICES FINANCIAL STATEMENTS FINANCIAL SUSTAINABILITY FINANCIAL SYSTEMS FINANCING OBSTACLES FIRMS FLEXIBLE FINANCING FOREIGN BANK FOREIGN BANK ENTRY FOREIGN BANKS FORMAL BANKS FORMAL FINANCIAL SECTOR GDP GREATER CREDIT AVAILABILITY GROSS DOMESTIC PRODUCT GROUP LENDING GROUP LOANS GROWTH RATE HIGHER EDUCATION LEVELS ID INCOME STATEMENTS INDEBTEDNESS INFLATION INFLATION RATE INITIAL PUBLIC OFFERING INSTITUTIONAL DEVELOPMENT INTEREST INCOME INTEREST RATE INTEREST RATE SPREAD INTEREST RATE SPREADS INTEREST RATES INTEREST RATES ON LOANS INTERNATIONAL BANK IPO JOINT LIABILITY LABOR COSTS LAISSEZ FAIRE LENDER LENDERS LENDING PRACTICES LEVEL OF REPAYMENT LINES OF CREDIT LOAN LOAN BALANCE LOAN CONTRACTS LOAN OFFICER LOAN OFFICERS LOAN REPAYMENT LOAN SIZE LOAN SIZES LOANS TO INDIVIDUAL LOANS TO INDIVIDUALS LOCAL MARKET LONG-TERM LIABILITIES LOW-INCOME BORROWERS MACROECONOMIC CONTEXT MACROECONOMIC ENVIRONMENT MARKET COMPETITION MARKET SIZE MFI MFIS MICROBANKING MICROFINANCE MICROFINANCE INDUSTRY MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MICROFINANCE LOAN MICROFINANCE LOANS MICROFINANCE MARKET MICROFINANCE ORGANIZATIONS NEW ENTRANTS NEW MARKET NON-PERFORMING LOANS NONGOVERNMENTAL ORGANIZATIONS OPERATING EXPENSES ORGANIZATIONAL STRUCTURE OUTREACH OWNERSHIP STRUCTURE PER CAPITA INCOME POLITICAL ECONOMY POOL OF BORROWERS PORTFOLIO PORTFOLIO QUALITY PORTFOLIOS PRIVATE CREDIT PRODUCTIVITY PROFITABILITY PROFITABILITY MEASURES PRUDENTIAL SUPERVISION PURCHASING POWER PURCHASING POWER PARITY REAL GDP REGIONAL DUMMIES REPAYMENT REPAYMENT RATES RESERVES RETURN RETURN ON ASSETS RULE OF LAW SAVINGS SHARE OF ASSETS SMALL BANKS SMALL BORROWERS SMALL BUSINESS SMALL BUSINESS CREDIT SMALL BUSINESS LENDING SMALL BUSINESS LOANS SMALL BUSINESSES SMALL ENTERPRISE SMALL FIRM SMALL FIRM FINANCE SMALL FIRMS SMALL LOANS SOFT LOANS SOLIDARITY GROUP LENDING SOURCES OF FINANCE SOURCES OF FUNDS TRANSITION COUNTRIES VILLAGE WOMEN BORROWERS
Online Access:	http://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20091014140231 http://hdl.handle.net/10986/4270

Internet

http://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20091014140231
http://hdl.handle.net/10986/4270

Banks and Microbanks

Internet

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