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ii DEDICATION I lovingly dedicate this thesis to my husband and my mother, who offered me uncondi... more ii DEDICATION I lovingly dedicate this thesis to my husband and my mother, who offered me unconditional love and support throughout the course of this thesis. iii ACKNOWLEDGEMENTS First and above all, I thank Allah for providing me with strength and determination to keep going despite challenges and hard times I went through. From the formative stages of this thesis, to the final draft, I owe an immense gratitude to my supervisor, Dr. Dalia ElEdel, Assistant Professor, American University in Cairo. Her continuous support and careful guidance were invaluable. I am very grateful to my readers, Dr. Hala ElRamly, Associate Professor, American University in Cairo and Dr. Mohammed Bouaddi, Assistant Professor, American University in Cairo, for the time they dedicated to read my thesis and their insightful comments. Finally, I would be remiss without mentioning Dr. Ahmed Kamaly, Associate Professor of Economics and the Chair of the Department of Economics, American University in Cairo, who...
The study provides new evidence on the determinants of banking sector development, using data fro... more The study provides new evidence on the determinants of banking sector development, using data from 18 emerging economies during 2000-2009. The study employs panel data analysis, namely Random Effect, Feasible Generalized Least Squares and Dynamic Generalized Method of Moments estimations. The empirical results demonstrate that rule of law; economic growth and workers’ remittances promote banking sector development. However, financial liberalization and liberal trade policies have an insignificant influence on banking sector development. Therefore, the study suggests that emerging countries, aiming at enhancing banking sector development, should establish strong institutional infrastructure; whereas financial liberalization and trade openness should come at a later stage. Finally, the study provides evidence on a complementary relationship between banking sectors and capital markets in emerging countries.
The World Economy, 2017
Evidence suggests that financial development and improved access to credit not only accelerates e... more Evidence suggests that financial development and improved access to credit not only accelerates economic growth, but also reduces household poverty and income inequality. Using Egyptian household survey data evidence it is found that a 1% increase in agricultural wages causes poverty to decline by 6.6%. Agricultural wage increases lead to the largest decrease in overall income inequality where a 1% increase in income from agriculture wages will cause overall inequality to fall by 0.049 percentage points: equivalent to a fall in the Gini coefficient by 18.8%. A regression analysis shows that receiving formal loans increases non-agricultural net revenues by 2.94 times whereas credit increases a household’s agriculture revenues by 2.08 times.
ii DEDICATION I lovingly dedicate this thesis to my husband and my mother, who offered me uncondi... more ii DEDICATION I lovingly dedicate this thesis to my husband and my mother, who offered me unconditional love and support throughout the course of this thesis. iii ACKNOWLEDGEMENTS First and above all, I thank Allah for providing me with strength and determination to keep going despite challenges and hard times I went through. From the formative stages of this thesis, to the final draft, I owe an immense gratitude to my supervisor, Dr. Dalia ElEdel, Assistant Professor, American University in Cairo. Her continuous support and careful guidance were invaluable. I am very grateful to my readers, Dr. Hala ElRamly, Associate Professor, American University in Cairo and Dr. Mohammed Bouaddi, Assistant Professor, American University in Cairo, for the time they dedicated to read my thesis and their insightful comments. Finally, I would be remiss without mentioning Dr. Ahmed Kamaly, Associate Professor of Economics and the Chair of the Department of Economics, American University in Cairo, who...
The study provides new evidence on the determinants of banking sector development, using data fro... more The study provides new evidence on the determinants of banking sector development, using data from 18 emerging economies during 2000-2009. The study employs panel data analysis, namely Random Effect, Feasible Generalized Least Squares and Dynamic Generalized Method of Moments estimations. The empirical results demonstrate that rule of law; economic growth and workers’ remittances promote banking sector development. However, financial liberalization and liberal trade policies have an insignificant influence on banking sector development. Therefore, the study suggests that emerging countries, aiming at enhancing banking sector development, should establish strong institutional infrastructure; whereas financial liberalization and trade openness should come at a later stage. Finally, the study provides evidence on a complementary relationship between banking sectors and capital markets in emerging countries.
The World Economy, 2017
Evidence suggests that financial development and improved access to credit not only accelerates e... more Evidence suggests that financial development and improved access to credit not only accelerates economic growth, but also reduces household poverty and income inequality. Using Egyptian household survey data evidence it is found that a 1% increase in agricultural wages causes poverty to decline by 6.6%. Agricultural wage increases lead to the largest decrease in overall income inequality where a 1% increase in income from agriculture wages will cause overall inequality to fall by 0.049 percentage points: equivalent to a fall in the Gini coefficient by 18.8%. A regression analysis shows that receiving formal loans increases non-agricultural net revenues by 2.94 times whereas credit increases a household’s agriculture revenues by 2.08 times.