00000caa a22000003i 4500 UP-1685594773862409169 Buklod 20210507132607.0 m | | ta 210708s2015 xx a r |||| u|eng d 16551516 (iLib)UPBAG-00040122833 BAG rda eng ARTICLE-3437 Llanto, Gilberto M. author. Households' access to financial services some evidence from survey data Gilberto M. Llanto. [Quezon City] School of Economics, University of the Philippines 2015. pages 170-191 23 cm text rdacontent unmediated rdamedia volume rdacarrier Title was 'Philippine Review of Business and Economics' until 1979. Title changed to 'Philippine Review of Economics and Business' from 1980-2000, and again changed to 'Philippine Review of Economics' since 2001. Includes bibliographical references (pages 189-190) Many studies look at financial inclusion from the supply side. The discussion in those studies revolves around the different types of financial services being developed to provide the excluded segment of the population with access to such services and the evolving regulatory frameworks supporting those innovative financial services. This paper views financial inclusion from the perspective of households who use financial services and asks what factors determine access to financial services. It provides a quantitative estimation of the factors affecting household decision to participate in the formal financial markets and the impact of the utilization of financial services on household incomes. It uses micro-data from the Annual Poverty Indicators Survey in the estimation. The empirical findings provide useful information for designing policies and interventions to foster inclusive finance. It points to financial education of households as a key intervention in financial inclusion strategies. Discrimination in financial services Philippines. Financial services industry Philippines. Financial exclusion Philippines. The Philippine Review of Economics Vol. 52, no. 2 (December 2015), p. 170-191. Request full-text access via UPB University Library through https://forms.gle/KZjBv7aRtY6jiL5E9 FI UPBAG UPBAG-MAIN ARTICLE-3437 Analytics