... of education and religion have an impact on FI. The use of financial institutions has positively contributed to the probability of FI, while the low proximity of financial service providers retards the process of FI. Fairlie decomposition concludes regional disparity and gender disparity in FI; however...

...George Mawuli Akpandjar; Peter Quartey; Joshua Abor Purpose The purpose of this paper is to investigate household financial choice and the determinants of financial services in rural and urban households in Ghana. Design/methodology/approach Data from the Ghana Living Standard Survey 5 (GLSS 5...

... with the literature on conventional financial services and products. Findings It was found that while religious conviction is a key factor in the use of Islamic finance, consumers also identify bank reputation, service quality and pricing as being of relevance. When selecting a financial institution's products...

...Charles Okeahalam Purpose The purpose of this paper is to assess the impact of industrial concentration on the level of access to financial services in a developing country context. In most studies, price is the only variable that is used to assess conduct. In this paper, we extend the standard...

... reveals that the first phase of the Islamic banking experimentation has been successful, as Islamic banks command roughly 11.5 per cent of the market share. The financial services industry, however, remains extremely competitive and Islamic banks face formidable challenges from conventional banks. Islamic...