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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.48.3c6ddb602-5275-4ccf-82df-a4c400048566
名前 / ファイル | ライセンス | アクション |
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Item type | 紀要論文 / Departmental Bulletin Paper(1) | |||||
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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 |
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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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著者版フラグ | ||||||
値 | publisher |