01913cas a2200253 a 4500 AALejournalIMF018895 230101c9999 xx r poo 0 0eng d 5.00 USD 9781484386163 1018-5941 BD-DhAAL BD-DhAAL Mengistu, Azanaw. Financial Inclusion and Bank Competition in Sub-Saharan Africa / Azanaw Mengistu, Hector Perez-Saiz. Washington, D.C. : International Monetary Fund, 2018. 1 online resource (29 pages) IMF Working Papers <strong>Off-Campus Access:</strong> No User ID or Password Required <strong>On-Campus Access:</strong> No User ID or Password Required Electronic access restricted to authorized BRAC University faculty, staff and students In this paper we study how competition and financial soundness affect financial inclusion in Sub-Saharan Africa (SSA). We use detailed individual-level survey data, combined with key country-level indicators of bank competition and financial soundness, to study the effect on the adoption of several financial products (bank accounts, credit and debit cards, and bank loans). We find that more competition tends to increase the probability of access to these financial products. On the contrary, we do not find strong evidence of the effect of bank-balance sheet variables (i.e. capital adequacy or liquidity) on borrowing by individuals. Our results may help policy makers design regulations that could improve financial inclusion, which could potentially impact economic growth and long-term economic development. Mode of access: Internet Perez-Saiz, Hector. IMF Working Papers; Working Paper ; No. 2018/256 Full text available on IMF http://elibrary.imf.org/view/journals/001/2018/256/001.2018.issue-256-en.xml IMF e-Library