Contents -- Preface -- 1. Introduction -- 2. The Supply of Bank Services: Branches and Service Points -- Regional Distribution of Financial Services -- International Comparisons of Bank Services -- Econometric Analyses of Factors Associated with Bank Service Supply -- Summary of Evidence from Supply Data on Banks and Financial Institutions -- 3. Users of Financial Services-A Survey of Urban Individuals -- Survey Results-Access to Financial Institutions -- Survey Results-Deposits and Savings Behavior -- Survey Results-Loans and Credit Services -- Survey Results-Payments and Money Transmission Services -- 4. Analysis of Survey Results-What Explains Access? -- The Impact of Location on Financial Access-Regions of the Country -- Location in Terms of Micro Regions-Neighborhoods and Areas within a City -- The Role of Public and Private Institutions and Financial Access -- The Role of Respondent Characteristics and Financial Access -- Determinants of Access-An Econometric Investigation -- Determinants of Institutional Choice-Public versus Private Banks -- 5. Summary of Findings and Policy Implications -- Implications for Policy -- References -- APPENDIXES -- A. Note on Estimation: Urban Financial Survey -- B. Statistical Tables -- LIST OF TABLES -- 1. Branch Density across Brazilian Regions -- 2. Provision of Bank Services across Regions -- 3. Provision of Bank Services across Municipalities (1996) -- 4. Public and Private Provision of Bank Services across Regions -- 5. Brazil-Bank Branch Density: International Comparisons -- 6. Brazil-What Explains Bank Branch Services across Municipalities? (All Banks) -- 7. Brazil-What Explains Public versus Private Bank Branch Services across Municipalities? -- 8. Indicator of Access: Access to Financial Institutions -- 9. Access to Loans and Credits -- 10. Access to Loans and Credits-Reasons for Loan Refusals.

11. Econometric Results: Determinants of Access to Financial Services, Select Results -- 12. Determinants of Access to Savings and Deposits Facilities -- 13. Econometric Results: Determinants of Volume of Credit Requested and Approved -- 14. Econometric Results: The Probability of Using Public Banks for Access, Deposits and Credit -- 15. Econometric Results: The Probability of Using Public Banks for Real Estate Purchase -- B.1. Brazil-Number of Institutions in Operation and Assets (Year end 1993-2002) -- B.2. Brazil-Bank Services: Aggregates, Branches, ATMs (Number of facilities in operation, year end 1994-2002) -- B.3. Brazil-Number of Branches across Different Ownership Groups and over Time (1995-2001) -- B.4. Brazil-Percentage Participation of Banking Institutions by Ownership and Institutional Type (1996-2001) -- B.5. Brazil-Number of Financial Institutions in Operation by Region and Type (1999-2002) -- B.6. Brazil-Bank Services by Region and Municipality: Branches, PABs, and PAAs (1998-2002) -- B.7. Brazil-Regional Indicators (2000) -- B.8. Analysis of Supply-Economic and Financial Indicators across Brazilian States -- B.9. Analysis of Supply-Branch Intensity a Cross Different Ownership Groups and over Time -- B.10. Analysis of Supply-Structure of the Loan Portfolio across Brazilian Banks over Time -- B.11. Analysis of Demand-Urban Survey of Access and Geographic Location -- B.12. Analysis of Demand-Urban Survey of Access and Location -- B.13. Analysis of Demand-Urban Survey of Access to Financial Institutions -- B.14. Analysis of Demand-Urban Survey of Access to Deposit, Payment, and Credit Facilities -- B.15. Analysis of Demand-Urban Survey of Access to Pension Deposits and Housing Finance -- B.16. Analysis of Demand-Urban Survey on Use of a Financial Institution, Physical Access, and Deposit Facilities.

B.17. Analysis of Demand-Urban Survey of Loans and Credit and Payment Services -- LIST OF FIGURES -- 1. Brazil: Growth of Financial Institutions (1993-2002) -- 2. Brazil-Evolution of Financial Service Outlets (1994-2002) -- 3. Brazil-Ownership of Bank Service Points -- 4. Brazil and Other Countries-Population Served per Bank Branch -- 5. Deposit and Saving Behavior-Survey of Urban Individuals -- 6. Role of Location in Financial Access -- 7. The Role of Income in Different Measures of Financial Access -- LIST OF BOXES -- Bank Branch and Service Outposts in Brazil -- Brazil Financial Access Urban Survey-Socio-economic Characteristics of Respondents -- Individual Characteristics, Asymmetric Information and Access to Financial Services.

Description based on publisher supplied metadata and other sources.

Electronic reproduction. Ann Arbor, Michigan : ProQuest Ebook Central, 2017. Available via World Wide Web. Access may be limited to ProQuest Ebook Central affiliated libraries.