Template-type: ReDIF-Paper 1.0
Author-Name: Franklin Allen 
Author-Name: Elena Carletti
Author-Name: Robert Cull
Author-Name: Jun QJ Qian 
Author-Name: Lemma Senbet
Author-Name: Patricio Valenzuela
Title:Improving Access to Banking: Evidence from Kenya
Abstract:We explore the relationship between bank branch expansion, financial inclusion and profitability for Equity Bank. Unlike traditional banks in Kenya, Equity Bank pursues branching strategies that target underserved territories and less privileged households. Its presence has a positive and significant impact on households’ access to bank accounts and credit. It increased financial inclusion by 31 percent of the adult population between 2006 and 2015. Access is especially improved for Kenyans who are less educated, do not own their own home and live in lessdeveloped areas. Equity Bank’s business model proves to be profitable both at bank and branch level.
Classification-JEL:G2; O1; R2.
Keywords:Equity Bank, bank penetration, bank account, microfinance.
Length: 58
Number: 18104
Creation-Date: 2018
File-URL: https://repec.unibocconi.it/baffic/baf/papers/cbafwp18104.pdf
File-Format: application/pdf
File-Size: 908
Handle: RePEc:baf:cbafwp:cbafwp18104