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  1. D100 大学院国際開発研究科
  2. D100b 紀要
  3. 国際開発研究フォーラム
  4. 48

Does People’s “Proximity to Financial Institutions” Have an Impact on the Utilization of Financial Service in Rural Areas? A Case Study of a New Branch Office of Opportunity International Savings and Loans Ltd. of Ghana Has Been Selected to Explore the Question

https://doi.org/10.18999/forids.48.3
https://doi.org/10.18999/forids.48.3
c6ddb602-5275-4ccf-82df-a4c400048566
名前 / ファイル ライセンス アクション
03.pdf 03.pdf (1.1 MB)
Item type 紀要論文 / Departmental Bulletin Paper(1)
公開日 2018-05-23
タイトル
タイトル Does People’s “Proximity to Financial Institutions” Have an Impact on the Utilization of Financial Service in Rural Areas? A Case Study of a New Branch Office of Opportunity International Savings and Loans Ltd. of Ghana Has Been Selected to Explore the Question
言語 en
著者 TORIUMI, Naoko

× TORIUMI, Naoko

WEKO 87827

en TORIUMI, Naoko

Search repository
アクセス権
アクセス権 open access
アクセス権URI http://purl.org/coar/access_right/c_abf2
キーワード
主題Scheme Other
主題 Microfinance
キーワード
主題Scheme Other
主題 Proximity
キーワード
主題Scheme Other
主題 Determinants
抄録
内容記述 The purpose of this paper is to examine a hypothesis that runs contrary to the existing literatures -- that “proximity” to financial institutions is not necessarily a crucial determinant which affects the utilization of formal financial services by rural people. The author has selected the case of the newly established branch office of Opportunity International Savings and Loans Ltd. (OISL) of Ghana, which has smoothly extended its financial services to rural areas since its inception. The quantitative analysis confirms the hypothesis by showing that neither lenders nor users regard “proximity” to be a significant determinant of the provision and utilization of loans. They instead regard the following determinants as being significant. Firstly, the financial condition of users is a significant determinant, regardless of their “proximity” to financial institutions. Secondly, OISL’s ability to efficiently provide financial services and products that meet the demands of people whose needs are not being met by existing formal and informal financial services. Thirdly, the lender’s transformational work has encouraged people to at least open accounts, as many of the interviewees mentioned. Fourthly, “proximity” needs to be understood as the users’ “accessibility” to primary roads, rather than their “direct physical distance” from the branch. Although this study is based on the limited area of rural Ghana, both OISL’s approach to rural people and the perception of financial service provision have some implications for other FFIs.
言語 en
内容記述タイプ Abstract
出版者
言語 ja
出版者 名古屋大学大学院国際開発研究科
言語
言語 eng
資源タイプ
資源 http://purl.org/coar/resource_type/c_6501
タイプ departmental bulletin paper
出版タイプ
出版タイプ VoR
出版タイプResource http://purl.org/coar/version/c_970fb48d4fbd8a85
ID登録
ID登録 10.18999/forids.48.3
ID登録タイプ JaLC
ISSN(print)
収録物識別子タイプ PISSN
収録物識別子 1341-3732
ISSN(Online)
収録物識別子タイプ EISSN
収録物識別子 2189-9126
書誌情報 ja : 国際開発研究フォーラム
en : Forum of International Development Studies

巻 48, 号 3, p. 1-23, 発行日 2018-03
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