Papers by Alexandre Berthaud
Policy Research Working Papers, 2013
The Policy Research Working Paper Series disseminates the findings of work in progress to encoura... more The Policy Research Working Paper Series disseminates the findings of work in progress to encourage the exchange of ideas about development issues. An objective of the series is to get the findings out quickly, even if the presentations are less than fully polished. The papers carry the names of the authors and should be cited accordingly. The findings, interpretations, and conclusions expressed in this paper are entirely those of the authors. They do not necessarily represent the views of the International Bank for Reconstruction and Development/World Bank and its affiliated organizations, or those of the Executive Directors of the World Bank or the governments they represent.
Base de données Global Findex Rôle des Postes dans l'inclusion financière Grâce à leur présence s... more Base de données Global Findex Rôle des Postes dans l'inclusion financière Grâce à leur présence significative dans les zones rurales et démunies, les Postes peuvent jouer un rôle moteur en matière d'inclusion financière. Cependant, relativement peu est connu sur les caractéristiques des clients qu'elles servent et la façon dont les services financiers postaux se distinguent des services offerts par les institutions financières traditionnelles (telles que les banques commerciales). La base de données du Global Findex offre un nouvel éclairage sur le profil des clients que les Postes bancarisent à travers le monde, et permet de développer une compréhension plus approfondie et nuancée sur la manière dont elles peuvent contribuer à améliorer l'inclusion financière. Les Postes peuvent jouer un rôle moteur en matière d'inclusion financière. Au Brésil, plus de dix millions de comptes ont été ouverts lorsque la Poste du Brésil a conclu un partenariat en 2002 avec l'une des plus importantes institutions financières de la place. 1 Cependant, relativement peu est connu sur les caractéristiques des clients que les Postes servent et la façon dont les services financiers postaux diffèrent des services offerts par des institutions financières traditionnelles (telles que les banques commerciales). De plus, le rôle attribué à la Poste par les gouvernements dans le cadre de leur stratégie d'inclusion financière peut varier significativement. Dans la plupart des économies, le manque de données a limité les analyses sur le rôle des Postes dans l'offre de services financiers. La base de données Findex fournit des indicateurs qui mesurent la manière dont les personnes épargnent, empruntent, effectuent des paiements ou se couvrent contre des risques dans 148 pays. Ces nouveaux indicateurs sont construits sur la base d'enquêtes effectuées auprès de plus de 150,000 adultes, âgés d' au moins 15 ans et repré sentatifs de la population de leur pays, qui ont été sélectionnés aléatoirement, puis interviewés. Dans les 60 économies où l'offre d'un compte d'épargne postal existe, le questionnaire inclut une question au sujet de la détention individuelle, ou jointe, d'un compte auprès de la Poste. L'enquête a été conduite par Gallup, Inc. au cours de l' année 2011, dans le cadre du sondage Gallup mondial (Gallup World Poll). Cette note s' appuie donc sur des données obtenues en interviewant plus de 65,000 individus à travers le monde, dans des économies disposant de comptes épargnes postaux.
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Energy sector projects and women's empowerment are crucial to poverty reduction efforts, sust... more Energy sector projects and women's empowerment are crucial to poverty reduction efforts, sustainable development, and achievement of the Millennium Development Goals (MDGs). Energy-related issues are often assumed to be gender neutral. However, energy scarcity can have disproportionately negative effects on women in the developing world. A large proportion of the world's poorest are women, and approximately 70 percent of the energy sources in developing countries come from biomass fuels, which are overwhelmingly the responsibility of women. Historically, this link has not been acknowledged in energy planning and projects, whether governmental or nongovernmental. Similarly, energy as a crucial input to other sectors, such as agriculture, has a myriad of implications when analyzed through a gendered lens with respect to specific times and places. Approaching energy planning in a manner that accounts for changing gender relations can do much to transform the situation of women ...
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With a widespread presence in rural and poor areas, post offices can play a leading role in advan... more With a widespread presence in rural and poor areas, post offices can play a leading role in advancing financial inclusion. Yet little is known about the types of clients that post offices reach through their financial service offerings and how they might differ from those of traditional financial institutions (such as commercial banks). The Global Findex database can be used to help understand the characteristics of clients who bank at post offices worldwide and develop a deeper and more nuanced understanding of how post offices can increase financial inclusion. Post offices (or "posts") can play a leading role in advancing financial inclusion. In Brazil more than 10 million accounts were opened between 2002 and 2011 after Banco Postal formed a partnership with an existing financial institution. 1 Yet little is known about the types of clients that post offices reach through their financial service offerings and how they might differ from those of traditional financial institutions (such as commercial banks). Moreover, the role of the post office may vary depending on the business model that a government pursues in providing financial services through the postal network. The lack of systematic data has hindered efforts to understand the role of the post office in providing financial services in most economies. The Global Findex database provides such indicators, measuring how people in 148 economies around the world save, borrow, make payments, and manage risk. These new indicators are constructed with survey data from interviews with more than 150,000 nationally representative and randomly selected adults age 15 and above. In 60 economies in which post office savings accounts are offered, the questionnaire includes a question on ownership of an individual or joint account at a post office. The survey was carried out over the 2011 calendar year by Gallup, Inc. as part of its Gallup World Poll. This note features Global Findex data based on interviews with more than 65,000 adults in economies with postal banking systems worldwide.
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Papers by Alexandre Berthaud