What drives activity of banking agents? Evidence from Rural India

被引：0

作者：

Gupta, Sanal ^{[1
]}

Singh, Puran ^{[1
,2
]}

机构：

[1] Indian Inst Technol Mandi, Suran, India

[2] IIT Mandi, Acad Block 10,North Campus, Suran 175005, Himachal Prades, India

来源：

WORLD DEVELOPMENT PERSPECTIVES | 2023年 / 31卷

关键词：

Agent banking; Business correspondent model; Rural banking; Financial inclusion; BRANCHLESS BANKING; FINANCIAL INCLUSION; SERVICES; BARRIERS;

D O I：

10.1016/j.wdp.2023.100522

中图分类号：

F0 [经济学]; F1 [世界各国经济概况、经济史、经济地理]; C [社会科学总论];

学科分类号：

0201 ; 020105 ; 03 ; 0303 ;

摘要：

This article investigates previously unexplored predictors of banking agents' activity using a primary dataset of agents operational in a rural setting in India. We measure banking agents' activity using their monthly transaction count and regress it on seven predictor categories. We provide evidence of the role of operational practices, agents' commitment, resources, support, and market characteristics, in agents' banking activity. We also identify specific factors that drive superior performance by the agents. The findings inform policy-making groups and implementing agencies of agent banking on agent selection criteria, best practices, and supervision mechanisms to ensure the agent banking model's effectiveness.

引用

页数：12

共 48 条

[1] When Should You Adjust Standard Errors for Clustering?* [J].