Financial Exclusion as Barrier to Socio-Economic Development of the Baltic Sea Region

• Autorzy: Sławomir Smyczek , Justyna Matysiewicz
• Języki publikacji: EN

Abstrakty

EN

The aim of the paper is to determine the scale and the level of the phenomenon of financial exclusion (with a special focus on the Baltic Sea countries) as one of significant barriers to socio-economic development of contemporary economies. This paper is also an attempt at defining reasons behind the phenomenon and at identifying groups which are most prone to financial exclusion.(fragment of text)

Słowa kluczowe

EN

Financial exclusion; Development barriers; Barriers to economic growth

PL

Wykluczenie finansowe; Bariery rozwojowe; Bariery wzrostu gospodarczego

• Czasopismo: Journal of Economics & Management / University of Economics in Katowice
• Rocznik: 2014
• Numer: nr 15
• Strony: 79--104

Twórcy

autor

Sławomir Smyczek

• University of Economics in Katowice, Poland

autor

Justyna Matysiewicz

• University of Economics in Katowice, Poland

Bibliografia

• Anderloni L., Carluccio E. (2006): Access to Bank Accounts and Payment Services. In: New Frontiers in Banking Services: Emerging Needs and Tailored Products for Untapped Markets. L. Anderloni, E. Carluccio & M. Braga. Springer Verlag, Berlin.
• Atkinson A., McKay S., Kempson E. (2006): Financial Capability in the United Kingdom: Results of a Baseline Survey. Financial Services Authority, London.
• BMRB (2006): Access to Financial Services by those on the Margins of Banking: Final Report for the Financial Inclusion Taskforce. BMRB, London.
• CAB (2006): Treasury Select Committee Inquiry into Financial Inclusion: Memorandum by Citizens Advice. Citizens Advice, London
• Carbo S., Gardner E., Molyneux P. (2004): Financial Exclusion. Palgrave Macmillan, Basingstoke.
• Collard S. (2007): Towards Financial Inclusion in the United Kingdom: Progress and Challenges. "Public Money and Management" February, Vol. 27, No. 1, pp. 13-20.
• Collard S., Kempson E (2005): Affordable Credit: The Way Forward. Joseph Rowntree Foundation, York.
• Collard S., Kempson E., Whyley C. (2001): Tackling Financial Exclusion: An Areabased Approach. Policy Press, Bristol.
• Corr C. (2006): Financial Exclusion in Ireland: An Exploratory Study & Policy Review. Research Series 39, Combat Poverty Agency, Dublin.
• Devlin J.F. (2005): A Detailed Study of Financial Exclusion in the United Kingdom. "Journal of Consumer Policy", No. 28, pp. 75-108.
• Ellison A., Collard S., Forster R. (2006): Illegal Lending in the United Kingdom. Department of Trade and Industry, London.
• Eurobarometer (2012): Public Opinion in Europe: Financial Services Report B. European Commission, Brussels.
• Financial Inclusion Taskforce (2006a): Report on Progress towards the Shared Goal. HM Treasury, London.
• Financial Inclusion Taskforce (2006b): Update to the Economic Secretary to the Treasury from the Financial Inclusion Taskforce. HM Treasury, London.
• Gallou R., Le Queau P. (1999): Les Personnes Interdite de Chequiers. Banque de France, Paris.
• Gloukoviezoff G. (2004): De la bancarisation de masse a l'exclusion bancaire puis sociale. In: Revue Française des Affaire Sociales n3-2004. La Documentation Francaise, Paris, pp. 11-38.
• Gloukoviezoff G., (2008): From Financial Exclusion to Overindebtedness: The Paradox of Difficulties for People on Low Income? In: New Frontiers in Banking Services. Emerging Needs and Tailored Products for Untapped Markets. Ed. by L. Anderloni, M.D. Braga, E. Carluccio. Springer Verlag, Berlin, pp. 213-245.
• HM Treasury (2004): Promoting Financial Inclusion. HM Treasury, London.
• Kempson E. (2006): Policy Level Response to Financial Exclusion in Developing Economies: Lessons for Developing Countries. Paper for Access to Finance: Building Inclusive Financial Systems, May 30-31 2006, World Bank, Washington DC.
• Kempson E. (2000): Over-Indebtedness in Britain. Department of Trade and Industry, London.
• Kempson E., Whyley C. (1999): Kept out or Opted out? Understanding and Combating Financial Exclusion. Policy Press, Bristol.
• Kempson E., McKay S., Collard S. (2005): Incentives to Save: Encouraging Saving Among Low-income Households Final Report on the Saving Gateway Pilot Project. HM Treasury, London.
• Kempson E., McKay S., Willitts M. (2004): Characteristics of Families in Debt and the Nature of Over-Indebtedness. Department for Work and Pensions, London.
• Leyshon A., Thrift N. (1993): Geographies of Financial Exclusion: Financial Abandonment in Britain and the United States. "Transactions of the Institute of British Geographies".
• Nieri L. (2006): Access to Credit: the Difficulties of Households. In: New Frontiers in Banking Services: Emerging Needs and Tailored Products for Untapped Markets. Ed. by L. Anderloni, M.D. Braga, E.M. Carluccio. Springer Verlag, Berlin.
• O'Reilly N. (2006): Three Steps to Inclusive Banking - Compliance, Standardisation & Innovation. National Consumer Council, London.
• Schiffman L.G., Kanuk L.L. (2010): Consumer Behavior: Global Edition. Pearson Higher Education, London.
• Sinclair S. (2001): Financial Exclusion: A Introductory Survey. Heriot Watt University Centre for Research into Socially Inclusive Services, Edinburgh
• Smyczek S. (2001): Zachowania konsumentów na rynku usług bankowych. Wydawnictwo Akademii Ekonomicznej, Katowice.
• Smyczek S. (2007): Modele zachowań konsumentów na rynku usług finansowych Wydawnictwo Akademii Ekonomicznej, Katowice.
• Smyczek S. (2012): Consumer Behavior - International Perspective. Placet, Warszawa.
• Solomon M.R., Bamossy G., Askegaard S., Hogg M.K. (2010): Consumer Behaviour. Financial Times Press, New York.
• Treasury Committee (2006a): Financial Inclusion: Credit, Savings, Advice & Insurance. 12th Report of the Session 2005/06, Vol 1: HC 848-1. House of Commons Treasury Committee, London.