Sep 7, 2013

Banks and Microbanks

This paper has taken a first empirical step to refine questions around the industrial organization of traditional banking and microbanking. We find evidence that competition matters. Greater bank penetration in the overall economy is associated with microbanks pushing toward poorer markets, as reflected by smaller average loans sizes and greater outreach to women—though there is no strong relationship with their profitability. . .
From the conclusions of this paper by Robert CullAsli Demirgüç-Kunt, & Jonathan Morduch.

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