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Financial Inclusion, Saving and Borrowing Behaviors in the United Arab Emirates and the United States: A Comparative Analysis

سبتمبر 23, 2019

/ Ibrahim Niankara / Riham Muqattash

This paper highlights the impact of financial inclusion on individuals’ borrowing and saving decisions in the United States and the United Arab Emirates. It does so, using data from the 2014 Global Financial Inclusion database, and an empirical strategy consisting of first testing the significance of the joint bivariate model over its binary conterparts using the Lagrange multiplier test, followed by a contrast between the fully-parametric and semi-parametric specifications of the saving and bo...


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