La Qualité Institutionnelle Améliore-t-elle l'Inclusion Financiere en Afrique Subsaharienne?

• Autorzy: Awa Traore , Abdourahmane Diaw , Seydou Nourou Ndiaye

Warianty tytułu

Does Institutional Quality Improve Financial Inclusion in Sub-Saharan Africa?

• Języki publikacji: FR

Abstrakty

Cet article étudie l ' impact de la qualité institutionnelle sur l ' inclusion financière dans quarante (40) pays d ' Afrique subsaharienne sur la période 2000-2017. Nous utilisons la Méthode des Moments Généralisés (GMM) en panel dynamique. Trois mesures d ' inclusion financière ont été mises en évidence : le nombre de guichets automatiques bancaires pour 100 000 adultes, le nombre de succursales bancaires commerciales pour 100 000 adultes et le nombre de déposants auprès des banques commerciales pour 1000 adultes. Les deux premières évaluent l ' accès aux services financiers et la troisième mesure leur usage. Les résultats montrent que la qualité de la réglementation, le contrôle de la corruption, l ' efficacité du gouvernement impactent positivement l ' accès aux services financiers. Par contre, l ' Etat de droit ainsi que l ' expression et la responsabilité démocratique exercent un effet contraire. Par ailleurs, l ' usage des services financiers est positivement influencé par la qualité de la réglementation, l ' Etat de droit et le contrôle de la corruption. Néanmoins, l ' efficacité des pouvoirs publics ainsi que l ' expression démocratique et la stabilité politique exercent un effet inverse. En outre, les conclusions émises insistent sur l ' importance d ' autres variables de contrôle, telles que le PIB par tête, le ratio crédit privé/PIB et le taux brut de scolarisation secondaire.(abstrakt oryginalny)

EN

This article studies the impact of institutional quality on financial inclusion in forty (40) countries in sub-Saharan Africa over the period 2000-2017. We use the Generalized Moments Method (GMM) in dynamic panel. Three measures of financial inclusion were highlighted : the number of ATMs per 100,000 adults, the number of commercial bank branches per 100,000 adults, and the number of depositors with commercial banks per 1,000 adults. The first two assess access to financial services and the third measures their use. The results obtained that the quality of regulation, control of corruption, and government efficiency positively impact access to financial services. In contrast, the rule of law as well as expression and democratic accountability exert the opposite effect. In addition, the use of financial services is positively influenced by the quality of regulation, the rule of law and the control of corruption. However, effective government as well as democratic expression and political stability have the opposite effect. In addition, the conclusions reached stress the importance of other control variables, such as GDP per capita, private credit-to-GDP ratio and gross secondary school enrollment rate.(original abstract)

Słowa kluczowe

EN

Financial assets; Finance; Institutions; Generalized method of moments (GMM)

PL

Aktywa finansowe; Finanse; Instytucje; Uogólniona metoda momentów

• Czasopismo: Revue Internationale des Economistes de Langue Française : revue de l'Association Internationale de Economistes de Langue Française avec la collaboration Université des Sciences Economiques et de Gestion
• Rocznik: 2020
• Tom: 5
• Numer: nr 2
• Strony: 198--219

Twórcy

autor

Awa Traore

• Centre de Recherches Economiques Appliquées, Université Cheikh Anta Diop de DAKAR

autor

Abdourahmane Diaw

• Université Paris

autor

Seydou Nourou Ndiaye

• Centre de Recherches Economiques Appliquées, Université Cheikh Anta Diop de DAKAR

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