Determinants of private sector credit in Uganda: the role of mobile money

作     者：Dorothy Nampewo Grace Ainomugisha Tinyinondi Duncan Roy Kawooya George Wilson Ssonko 

作者机构：Economic Research DepartmentBank of UgandaKampalaUganda 

出 版 物：《Financial Innovation》 (金融创新（英文）)

年 卷 期：2016年第2卷第1期

页      面：151-166页

学科分类：0202[经济学-应用经济学] 02[经济学] 020205[经济学-产业经济学] 

基　　金：Bank of Uganda 

主　　题：Mobile money Private sector credit Uganda 

摘      要：Background:Mobile money services have been associated with unprecedented access to financial services,notably to under-banked and unbanked ***,mobile money opens a channel through which to examine the supply of private sector credit in *** study investigates how mobile money services influence private sector credit ***:We applied the vector error correction(VEC)model and Granger causality analysis to Ugandan data from March 2009 to February 2016,the period when mobile money services were ***:The VEC model reveals that mobile money has a significant positive longrun association with private sector credit *** causality analysis reveals long-run unidirectional causality from mobile money to private sector ***:Mobile money is critical for financial intermediation because it attracts resources from both the banked and the unbanked populations into the formal financial system,facilitating private sector credit growth.