Access to financial services in Colombia: the "unbanked" in Bogota
Gespeichert in:
| Beteiligte Personen: | , |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | Englisch |
| Veröffentlicht: |
[Washington, D.C]
World Bank
2006
|
| Schriftenreihe: | Policy research working paper
3834 |
| Schlagwörter: | |
| Links: | http://hdl.handle.net/10986/8784 |
| Beschreibung: | Includes bibliographical references. - Title from PDF file as viewed on 2/6/2006 Erscheinungsjahr in Vorlageform:[2006] Weitere Ausgabe: Manroth, Astrid: Access to financial services in Colombia |
| Umfang: | 1 Online-Ressource (73 Seiten) |
Internformat
MARC
| LEADER | 00000nam a2200000 cb4500 | ||
|---|---|---|---|
| 001 | BV040618439 | ||
| 003 | DE-604 | ||
| 005 | 20250120 | ||
| 007 | cr|uuu---uuuuu | ||
| 008 | 121206s2006 xxu o|||| 00||| eng d | ||
| 035 | |a (ZDB-1-WBA)093223862 | ||
| 035 | |a (OCoLC)874233999 | ||
| 035 | |a (DE-599)GBVNLM005460018 | ||
| 040 | |a DE-604 |b ger |e aacr | ||
| 041 | 0 | |a eng | |
| 044 | |a xxu |c XD-US | ||
| 049 | |a DE-12 |a DE-1102 |a DE-1051 |a DE-521 |a DE-863 |a DE-862 |a DE-522 |a DE-858 |a DE-573 |a DE-860 |a DE-1046 |a DE-1047 |a DE-Aug4 |a DE-2070s |a DE-M347 |a DE-1049 |a DE-898 |a DE-128 |a DE-M352 |a DE-70 |a DE-92 |a DE-150 |a DE-155 |a DE-22 |a DE-91 |a DE-384 |a DE-473 |a DE-19 |a DE-739 |a DE-20 |a DE-703 |a DE-706 |a DE-355 |a DE-29 |a DE-859 |a DE-Re13 |a DE-523 | ||
| 050 | 0 | |a HG3881.5.W57 | |
| 100 | 1 | |a Manroth, Astrid |e Verfasser |4 aut | |
| 245 | 1 | 0 | |a Access to financial services in Colombia |b the "unbanked" in Bogota |c Astrid Manroth, Tova Maria Solo, research working paper Collection Title:Policy |
| 264 | 1 | |a [Washington, D.C] |b World Bank |c 2006 | |
| 300 | |a 1 Online-Ressource (73 Seiten) | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b c |2 rdamedia | ||
| 338 | |b cr |2 rdacarrier | ||
| 490 | 0 | |a Policy research working paper |v 3834 | |
| 500 | |a Includes bibliographical references. - Title from PDF file as viewed on 2/6/2006 | ||
| 500 | |a Erscheinungsjahr in Vorlageform:[2006] | ||
| 500 | |a Weitere Ausgabe: Manroth, Astrid: Access to financial services in Colombia | ||
| 520 | 1 | |a "The authors look at the depth of the financial sector in Bogota in terms of the "financial exclusion" of those, particularly poorer citizens, who operate without accounts in formal financial institutions-the unbanked. They begin with a review of the overall decline in financial intermediation from 1998 to 2003, which explains, in part, the high percentage of unbanked-61 percent in a recent household survey in Bogota. The authors next look at the banking system today, concluding that the present challenge is to increase financial intermediation overall, especially with the poor. Their analysis shows that Colombia's banks provide costly services mainly catered toward high-income clients. Existing fees and costs of checking, savings, and loan services average 5-10 percent of a monthly minimum wage, making them hard to afford for low-income clients. The authors also explore the characteristics and impacts of financial exclusion associated with lower and more uncertain incomes, lower education, and closer links to the informal sector. They cite the household survey conducted in Bogota, showing that 70 percent of the unbanked earn less than one minimum wage per month, are three times more likely to be unemployed than the banked, and have lower education levels. The unbanked save and borrow largely in the informal sector, at greater risk and greater cost. At the same time, however, high home ownership rates show that the unbanked have the capacity to build assets, demonstrating that they have "bankable" characteristics. The authors conclude with recommendations for government and for the financial sector to broaden access for the benefit of public and private sectors, and for the unbanked. "--World Bank web site | |
| 534 | |c 2006 | ||
| 653 | |a Financial services industry |a Colombia | ||
| 653 | |a Poor |a Colombia | ||
| 700 | 1 | |a Solo, Tova María |e Verfasser |4 aut | |
| 710 | 2 | |a World Bank |e Sonstige |4 oth | |
| 776 | 0 | 8 | |i Reproduktion von |a Manroth, Astrid |t Access to financial services in Colombia |d 2006 |
| 856 | 4 | 0 | |u http://hdl.handle.net/10986/8784 |x Verlag |z kostenfrei |3 Volltext |
| 912 | |a ZDB-1-WBA | ||
| 943 | 1 | |a oai:aleph.bib-bvb.de:BVB01-025445938 | |
Datensatz im Suchindex
| DE-BY-TUM_katkey | 1900855 |
|---|---|
| _version_ | 1821934691273408512 |
| adam_text | |
| any_adam_object | |
| author | Manroth, Astrid Solo, Tova María |
| author_facet | Manroth, Astrid Solo, Tova María |
| author_role | aut aut |
| author_sort | Manroth, Astrid |
| author_variant | a m am t m s tm tms |
| building | Verbundindex |
| bvnumber | BV040618439 |
| callnumber-first | H - Social Science |
| callnumber-label | HG3881 |
| callnumber-raw | HG3881.5.W57 |
| callnumber-search | HG3881.5.W57 |
| callnumber-sort | HG 43881.5 W57 |
| callnumber-subject | HG - Finance |
| collection | ZDB-1-WBA |
| ctrlnum | (ZDB-1-WBA)093223862 (OCoLC)874233999 (DE-599)GBVNLM005460018 |
| discipline | Wirtschaftswissenschaften |
| format | Electronic eBook |
| fullrecord | <?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim"><record><leader>00000nam a2200000 cb4500</leader><controlfield tag="001">BV040618439</controlfield><controlfield tag="003">DE-604</controlfield><controlfield tag="005">20250120</controlfield><controlfield tag="007">cr|uuu---uuuuu</controlfield><controlfield tag="008">121206s2006 xxu o|||| 00||| eng d</controlfield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(ZDB-1-WBA)093223862</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(OCoLC)874233999</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(DE-599)GBVNLM005460018</subfield></datafield><datafield tag="040" ind1=" " ind2=" "><subfield code="a">DE-604</subfield><subfield code="b">ger</subfield><subfield code="e">aacr</subfield></datafield><datafield tag="041" ind1="0" ind2=" "><subfield code="a">eng</subfield></datafield><datafield tag="044" ind1=" " ind2=" "><subfield code="a">xxu</subfield><subfield code="c">XD-US</subfield></datafield><datafield tag="049" ind1=" " ind2=" "><subfield code="a">DE-12</subfield><subfield code="a">DE-1102</subfield><subfield code="a">DE-1051</subfield><subfield code="a">DE-521</subfield><subfield code="a">DE-863</subfield><subfield code="a">DE-862</subfield><subfield code="a">DE-522</subfield><subfield code="a">DE-858</subfield><subfield code="a">DE-573</subfield><subfield code="a">DE-860</subfield><subfield code="a">DE-1046</subfield><subfield code="a">DE-1047</subfield><subfield code="a">DE-Aug4</subfield><subfield code="a">DE-2070s</subfield><subfield code="a">DE-M347</subfield><subfield code="a">DE-1049</subfield><subfield code="a">DE-898</subfield><subfield code="a">DE-128</subfield><subfield code="a">DE-M352</subfield><subfield code="a">DE-70</subfield><subfield code="a">DE-92</subfield><subfield code="a">DE-150</subfield><subfield code="a">DE-155</subfield><subfield code="a">DE-22</subfield><subfield code="a">DE-91</subfield><subfield code="a">DE-384</subfield><subfield code="a">DE-473</subfield><subfield code="a">DE-19</subfield><subfield code="a">DE-739</subfield><subfield code="a">DE-20</subfield><subfield code="a">DE-703</subfield><subfield code="a">DE-706</subfield><subfield code="a">DE-355</subfield><subfield code="a">DE-29</subfield><subfield code="a">DE-859</subfield><subfield code="a">DE-Re13</subfield><subfield code="a">DE-523</subfield></datafield><datafield tag="050" ind1=" " ind2="0"><subfield code="a">HG3881.5.W57</subfield></datafield><datafield tag="100" ind1="1" ind2=" "><subfield code="a">Manroth, Astrid</subfield><subfield code="e">Verfasser</subfield><subfield code="4">aut</subfield></datafield><datafield tag="245" ind1="1" ind2="0"><subfield code="a">Access to financial services in Colombia</subfield><subfield code="b">the "unbanked" in Bogota</subfield><subfield code="c">Astrid Manroth, Tova Maria Solo, research working paper Collection Title:Policy</subfield></datafield><datafield tag="264" ind1=" " ind2="1"><subfield code="a">[Washington, D.C]</subfield><subfield code="b">World Bank</subfield><subfield code="c">2006</subfield></datafield><datafield tag="300" ind1=" " ind2=" "><subfield code="a">1 Online-Ressource (73 Seiten)</subfield></datafield><datafield tag="336" ind1=" " ind2=" "><subfield code="b">txt</subfield><subfield code="2">rdacontent</subfield></datafield><datafield tag="337" ind1=" " ind2=" "><subfield code="b">c</subfield><subfield code="2">rdamedia</subfield></datafield><datafield tag="338" ind1=" " ind2=" "><subfield code="b">cr</subfield><subfield code="2">rdacarrier</subfield></datafield><datafield tag="490" ind1="0" ind2=" "><subfield code="a">Policy research working paper</subfield><subfield code="v">3834</subfield></datafield><datafield tag="500" ind1=" " ind2=" "><subfield code="a">Includes bibliographical references. - Title from PDF file as viewed on 2/6/2006</subfield></datafield><datafield tag="500" ind1=" " ind2=" "><subfield code="a">Erscheinungsjahr in Vorlageform:[2006]</subfield></datafield><datafield tag="500" ind1=" " ind2=" "><subfield code="a">Weitere Ausgabe: Manroth, Astrid: Access to financial services in Colombia</subfield></datafield><datafield tag="520" ind1="1" ind2=" "><subfield code="a">"The authors look at the depth of the financial sector in Bogota in terms of the "financial exclusion" of those, particularly poorer citizens, who operate without accounts in formal financial institutions-the unbanked. They begin with a review of the overall decline in financial intermediation from 1998 to 2003, which explains, in part, the high percentage of unbanked-61 percent in a recent household survey in Bogota. The authors next look at the banking system today, concluding that the present challenge is to increase financial intermediation overall, especially with the poor. Their analysis shows that Colombia's banks provide costly services mainly catered toward high-income clients. Existing fees and costs of checking, savings, and loan services average 5-10 percent of a monthly minimum wage, making them hard to afford for low-income clients. The authors also explore the characteristics and impacts of financial exclusion associated with lower and more uncertain incomes, lower education, and closer links to the informal sector. They cite the household survey conducted in Bogota, showing that 70 percent of the unbanked earn less than one minimum wage per month, are three times more likely to be unemployed than the banked, and have lower education levels. The unbanked save and borrow largely in the informal sector, at greater risk and greater cost. At the same time, however, high home ownership rates show that the unbanked have the capacity to build assets, demonstrating that they have "bankable" characteristics. The authors conclude with recommendations for government and for the financial sector to broaden access for the benefit of public and private sectors, and for the unbanked. "--World Bank web site</subfield></datafield><datafield tag="534" ind1=" " ind2=" "><subfield code="c">2006</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Financial services industry</subfield><subfield code="a">Colombia</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Poor</subfield><subfield code="a">Colombia</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Solo, Tova María</subfield><subfield code="e">Verfasser</subfield><subfield code="4">aut</subfield></datafield><datafield tag="710" ind1="2" ind2=" "><subfield code="a">World Bank</subfield><subfield code="e">Sonstige</subfield><subfield code="4">oth</subfield></datafield><datafield tag="776" ind1="0" ind2="8"><subfield code="i">Reproduktion von</subfield><subfield code="a">Manroth, Astrid</subfield><subfield code="t">Access to financial services in Colombia</subfield><subfield code="d">2006</subfield></datafield><datafield tag="856" ind1="4" ind2="0"><subfield code="u">http://hdl.handle.net/10986/8784</subfield><subfield code="x">Verlag</subfield><subfield code="z">kostenfrei</subfield><subfield code="3">Volltext</subfield></datafield><datafield tag="912" ind1=" " ind2=" "><subfield code="a">ZDB-1-WBA</subfield></datafield><datafield tag="943" ind1="1" ind2=" "><subfield code="a">oai:aleph.bib-bvb.de:BVB01-025445938</subfield></datafield></record></collection> |
| id | DE-604.BV040618439 |
| illustrated | Not Illustrated |
| indexdate | 2025-01-20T15:01:19Z |
| institution | BVB |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-025445938 |
| oclc_num | 874233999 |
| open_access_boolean | 1 |
| owner | DE-12 DE-1102 DE-1051 DE-521 DE-863 DE-BY-FWS DE-862 DE-BY-FWS DE-522 DE-858 DE-573 DE-860 DE-1046 DE-1047 DE-Aug4 DE-2070s DE-M347 DE-1049 DE-898 DE-BY-UBR DE-128 DE-M352 DE-70 DE-92 DE-150 DE-155 DE-BY-UBR DE-22 DE-BY-UBG DE-91 DE-BY-TUM DE-384 DE-473 DE-BY-UBG DE-19 DE-BY-UBM DE-739 DE-20 DE-703 DE-706 DE-355 DE-BY-UBR DE-29 DE-859 DE-Re13 DE-BY-UBR DE-523 |
| owner_facet | DE-12 DE-1102 DE-1051 DE-521 DE-863 DE-BY-FWS DE-862 DE-BY-FWS DE-522 DE-858 DE-573 DE-860 DE-1046 DE-1047 DE-Aug4 DE-2070s DE-M347 DE-1049 DE-898 DE-BY-UBR DE-128 DE-M352 DE-70 DE-92 DE-150 DE-155 DE-BY-UBR DE-22 DE-BY-UBG DE-91 DE-BY-TUM DE-384 DE-473 DE-BY-UBG DE-19 DE-BY-UBM DE-739 DE-20 DE-703 DE-706 DE-355 DE-BY-UBR DE-29 DE-859 DE-Re13 DE-BY-UBR DE-523 |
| physical | 1 Online-Ressource (73 Seiten) |
| psigel | ZDB-1-WBA |
| publishDate | 2006 |
| publishDateSearch | 2006 |
| publishDateSort | 2006 |
| publisher | World Bank |
| record_format | marc |
| series2 | Policy research working paper |
| spellingShingle | Manroth, Astrid Solo, Tova María Access to financial services in Colombia the "unbanked" in Bogota |
| title | Access to financial services in Colombia the "unbanked" in Bogota |
| title_auth | Access to financial services in Colombia the "unbanked" in Bogota |
| title_exact_search | Access to financial services in Colombia the "unbanked" in Bogota |
| title_full | Access to financial services in Colombia the "unbanked" in Bogota Astrid Manroth, Tova Maria Solo, research working paper Collection Title:Policy |
| title_fullStr | Access to financial services in Colombia the "unbanked" in Bogota Astrid Manroth, Tova Maria Solo, research working paper Collection Title:Policy |
| title_full_unstemmed | Access to financial services in Colombia the "unbanked" in Bogota Astrid Manroth, Tova Maria Solo, research working paper Collection Title:Policy |
| title_short | Access to financial services in Colombia |
| title_sort | access to financial services in colombia the unbanked in bogota |
| title_sub | the "unbanked" in Bogota |
| url | http://hdl.handle.net/10986/8784 |
| work_keys_str_mv | AT manrothastrid accesstofinancialservicesincolombiatheunbankedinbogota AT solotovamaria accesstofinancialservicesincolombiatheunbankedinbogota AT worldbank accesstofinancialservicesincolombiatheunbankedinbogota |