“Maliyyə inkluzivliyi: nə? necə? Azərbaycan iqtisadiyyatı timsalında.”
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[20]
conduct comprehensive analysis of basic parameters of measuring financial inclusion – access to financial services and resources, their usage and quality of delivery, and emerging mobile financial services space along with traditional facilities: № Category Indicators Source and coverage 1.
Formally banked adults
% of adults with an account at a formal financial institution Global Findex 148 countries Number of depositors per 1,000 adults or number of deposit accounts per 1,000 adults IMF FAS
187 countries 2.
Adults with credit at regulated institutions % of adults with at least 1 (one) loan outstanding from a regulated financial institution Global Findex 148 countries Number of borrowers per 1,000 adults or Number of outstanding loans per 1,000 adults
IMF FAS
187 countries 3.
Adults with insurance Number of insurance policy holders per 1,000 adults Segrageted by life and non-life insurance IMF FAS 187 countries 4.
Cashless transactions Number of retail cashless transactions per capita WB GPSS 139 countries 5.
Mobile transactional use % of adults that use their mobile device to make a payment Global Findex 148 countries 6.
High frequency of account use 17
formal account Global Findex 148 countries 7.
Saving propensity Saved at a financial institution in the past year Global Findex 148 countries 8.
Remittances % of adults receiving domestic and Gallup World
17 High frequency is defined as having taken money out of a personal account 3 or more times a month. It includes cash withdrawals, e-payments or purchases, or any other type of payment debit. [21]
№ Category Indicators Source and coverage international remittances Poll 9.
Formally banked enterprises % of SMEs with an account at a formal financial institution WB ES 119 countries Number of
SMEs with
deposit accounts/number of deposit accounts or Number of SME depositors/number of depositors IMF FAS
187 countries 10.
Enterprises with outstanding loan regulated institutions % of SMEs with outstanding loan or line of credit WB ES 119 countries Number of SMEs with outstanding loans/number of outstanding loans or Number
of outstanding loans to
SMEs/number of outstanding loans IMF FAS
187 countries 11.
Points of service Number of branches per 100,000 adults IMF FAS
187 countries 12.
Number of ATMs per 100,000 adults or number of ATMs per 1,000 sq.km IMF FAS 187 countries 13.
Number of POS terminals per 100,000 inhabitants WB GPSS 139 countries 14.
E-money accounts Number of e-money accounts for mobile payments WB GPSS 139 countries 15.
Interoperability of Points of service Interoperability of ATMs 18
139 countries Interoperability of POS terminals 19
Financial Financial knowledge score 20
WB FCS
18 Takes the value 1 if all ATM networks are interconnected and 0 if they are not interconnected. 19 Takes the value 1 if all POS terminals are interconnected and 0 if they are not interconnected. [22]
№ Category Indicators Source and coverage knowledge OECD NFLIS 34 countries combined 17.
Financial behavior Emergency funding source 21
148 countries 18.
Disclosure requirements Disclosure index combining existence of a variety of disclosure requriements 22
WB GFCPS 102 countries 19.
Dispute resolution Index reflecting the existence of formal internal and external dispute resolution mechanisms 23
WB GFCPS 102 countries 20.
Usage cost Average cost to open a basic current account WB GPSS
139 countries 21.
Average cost of maintaining a basic bank current account (annual fee) 22.
Average cost of credit transfers 23.
Credit barriers % of SMEs requried to provide collateral on their last bank loan WB ES
OECD SME score table 139 countries
20 This score sums up correct responses to questions about 6 basic financial concepts: inflation, interest rates, compound interest, money illusion, risk diversification and main purpose of insurance.
21 This section is calculated based upon the following answers to the question: if you had an emergency that required $10 or 1/25 of GDPPC urgently, where would you get the money?: a)
b)
work more; c)
sell assets; d)
savings; e)
loan from savings club; f)
loan from bank; g)
would not be able to find it. 22 Relevant requirements are as follows: a)
plain langage (understandable, prohibition of hidden clauses); b)
local language; c)
prescribed standardized disclosure format; d)
recourse rights and processes; e)
total rate to be paid for a credit (basic costs + commission rates, fees, insurance, taxes) 23 Internal mechanism indicator – law or regulation setting standards for complaints resolution and handling by financial instituions, including timeliness, accessibility and requirements to implement complaints handling procedurers; External mechanism – supervisory agency, financial ombudsman or equivalent institution.
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