The Effect of Financial Inclusion on Credit Risk in SADC Countries

IF 0.2 Q4 AREA STUDIES

Africa Review Pub Date : 2022-12-07 DOI:10.1163/09744061-bja10063

João Jungo, M. Madaleno, A. Botelho

引用次数: 1

Abstract

The objective of this study is to contribute to the knowledge about the relationship between financial inclusion and credit risk in the Southern African Development Community (SADC) countries, which remains relatively unexplored in the developing countries context. The result of panel vector autoregressive models (PVAR) estimation shows that there is no bidirectional causality between financial inclusion and credit risk, but there is unidirectional causality where financial inclusion improves credit risk. Furthermore, the feasible generalised (FGLS) estimation result confirms that financial inclusion reduces credit risk. Policymakers in SADC countries should implement measures that foster financial inclusion to achieve financial stability.

查看原文本刊更多论文

普惠金融对南共体国家信贷风险的影响

本研究的目的是有助于了解南部非洲发展共同体(SADC)国家的金融包容性与信贷风险之间的关系，这在发展中国家的背景下仍然相对未被探索。面板向量自回归模型(PVAR)估计结果显示，普惠金融与信用风险之间不存在双向因果关系，但普惠金融改善信用风险存在单向因果关系。此外，可行广义估计(FGLS)结果证实了普惠金融降低了信用风险。南部非洲发展共同体国家的决策者应实施促进普惠金融的措施，以实现金融稳定。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

求助全文

约1分钟内获得全文求助全文

来源期刊

Africa Review AREA STUDIES-

CiteScore

1.80

自引率

12.50%

发文量

期刊介绍： Africa Review is an interdisciplinary academic journal of the African Studies Association of India (ASA India) and focuses on theoretical, historical, literary and developmental enquiries related to African affairs. The central aim of the journal is to promote a scholarly understanding of developments and change in Africa, publishing both original scholarship on developments in individual countries as well as comparative analyses examining the wider region. The journal serves the full spectrum of social science disciplinary communities, including anthropology, archaeology, history, law, sociology, demography, development studies, economics, education, gender studies, industrial relations, literature, politics and urban studies.