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Impact Of Access To Formal Deposit Facilities And Loans On Schooling: Evidence From Rural Households In Mexico

Garcia-De la Cruz, Marisol
http://rave.ohiolink.edu/etdc/view?acc_num=osu1222125316

Abstract Details

2008, Master of Science, Ohio State University, Agricultural, Environmental Development Economics.
This thesis offers empirical answers to the mostly unexplored question of the impact of access to formal deposit facilities on human capital formation, by looking at the schooling choices of two waves of a panel of rural households in Mexico. The results suggest that both financial instruments (deposits and loans) matter; however, access to deposit facilities may have a greater and less ambiguous impact on household schooling choices than loans. Access to deposits reduces the schooling gap 2.5 years when using a pooled sample, while access to both financial services in comparison to no access reduces the schooling gap 1.2 years. After adding an interaction of both probabilities (access to deposits and loans), access to credit increases rather than reducing the gap. Thus, the development and strengthening of financial institutions capable of offering safe and convenient deposit facilities, rather than simply loans, may induce beneficial impacts on human capital formation.
Claudio Gonzalez-Vega (Advisor)
Abdoul Sam (Committee Member)
143 p.
Economics
Formal financial services; deposit facilities; credit; schooling; human capital; rural areas of Mexico

Recommended Citations

Citations

  • Garcia-De la Cruz, M. (2008). Impact Of Access To Formal Deposit Facilities And Loans On Schooling: Evidence From Rural Households In Mexico [Master's thesis, Ohio State University]. OhioLINK Electronic Theses and Dissertations Center. http://rave.ohiolink.edu/etdc/view?acc_num=osu1222125316

    APA Style (7th edition)

  • Garcia-De la Cruz, Marisol. Impact Of Access To Formal Deposit Facilities And Loans On Schooling: Evidence From Rural Households In Mexico. 2008. Ohio State University, Master's thesis. OhioLINK Electronic Theses and Dissertations Center, http://rave.ohiolink.edu/etdc/view?acc_num=osu1222125316.

    MLA Style (8th edition)

  • Garcia-De la Cruz, Marisol. "Impact Of Access To Formal Deposit Facilities And Loans On Schooling: Evidence From Rural Households In Mexico." Master's thesis, Ohio State University, 2008. http://rave.ohiolink.edu/etdc/view?acc_num=osu1222125316

    Chicago Manual of Style (17th edition)

osu1222125316
986
© 2008, all rights reserved.
This open access ETD is published by The Ohio State University and OhioLINK.