Measuring Access to Finance: Developing Evidence-Based Access Policies, 2012

Measuring Access to Finance: Developing Evidence-Based Access Policies

Access to Finance Scorecard (AFS) framework captures diverse aspects of access and usage issues into one comprehensive tool that lends itself to measurement and interpretation that can inform policy making and regulation of financial services. The ‘balanced’ aspect of AFS lies in the fact that it takes into account not only the facts about the supply of and demand for financial services in the traditional way, but also incorporates many other important factors that influence the participation in financial markets by households and firms such as trust in financial institutions, business confidence, financial capabilities and other subjective factors, in addition to the critical assessment of financial sector environment and policies (from the point of view of access) that influence the use of financial services.

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