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    Regional Variations of Banking Services and Poverty Reduction: Evidence from Subdistrict Level Administrative Data of Bangladesh

    Iqbal, Kazi; Roy, Paritosh K.; Alam, Shamsul | September 2018
    Abstract
    While the role of commercial banks in financing economic growth and reducing poverty and income inequality is well documented in cross-country setup, the regional variations of the banking services within a country and its association with poverty reduction is understudied. Understanding of the local-level variations of banking services is essential for deeper understanding of financial inclusion and its impact on local-level poverty. To this end, we first shed light on the regional variations of a host of banking variables by creating a “banking atlas” using administrative data that captures the access to and use of banking services at the sub-district level in Bangladesh. The maps, uncovering interesting regional peculiarities, have the potential to be an important policy tool for targeting lagging regions and designing customized regional interventions in developing countries. Next, we link regional mapping of banking variables to the incidence of poverty using descriptive statistics and regression models. The regression results demonstrate that access to banking services is strongly associated with poverty reduction, even in the rural sample. However, in the case of use of banking services, the amount of deposit has a strong impact on poverty reduction but the amount of credit per adult is found to have no significant impact. These results corroborate the growing evidence that greater access to deposit services can promote saving and increase income. This study also highlights the importance of using administrative data to monitor local-level development.
    Citation
    Iqbal, Kazi; Roy, Paritosh K.; Alam, Shamsul. 2018. Regional Variations of Banking Services and Poverty Reduction: Evidence from Subdistrict Level Administrative Data of Bangladesh. © Asian Development Bank Institute. http://hdl.handle.net/11540/8866.
    Keywords
    Alleviating Poverty
    Anti-Poverty
    Extreme Poverty
    Fight Against Poverty
    Global Poverty
    Health Aspects Of Poverty
    Indicators Of Poverty
    Participatory Poverty Assessment
    Poverty Eradication
    Poverty Analysis
    Poverty In Developing Countries
    Poverty Reduction Efforts
    Urban Poverty
    Public Financial Management
    Financial System
    Financial Statistics
    Foreign Direct Investment
    Foreign and Domestic Financing
    Development Indicators
    Environmental Indicators
    Economic Indicators
    Educational Indicators
    Demographic Indicators
    Health Indicators
    Disadvantaged Groups
    Low Income Groups
    Socially Disadvantaged Children
    Rural Conditions
    Rural Development
    Social Conditions
    Urban Development
    Urban Sociology
    Pension Funds
    Mutual Funds
    Social Equity
    Financial Aspects
    Fiscal Policy
    Banks
    Poor
    Economic forecasting
    Health expectancy
    Social groups
    Political participation
    Distribution of income
    Inequality of income
    Developing countries
    Rural community development
    Mass society
    Social change
    Social policy
    Social stability
    Population
    Sustainable development
    Peasantry
    Urban policy
    Urban renewal
    Pension plans
    Individual retirement accounts
    Employee pension trusts
    Investment management
    Investments
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    Citable URI
    http://hdl.handle.net/11540/8866
    Metadata
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    adbi-wp871.pdf (2.484Mb)
    Author
    Iqbal, Kazi
    Roy, Paritosh K.
    Alam, Shamsul
    Theme
    Poverty
    Finance
    Labor Migration
     
    Copyright 2016-2021 Asian Development Bank Institute, except as explicitly marked otherwise
    Copyright 2016-2021 Asian Development Bank Institute, except as explicitly marked otherwise