"The authors (1) present new indicators of banking sector penetration across 99 countries based on a survey of bank … regulatory authorities, (2) show that these indicators predict household and firm use of banking services, (3) explore the … countries, and (4) relate these banking outreach indicators to measures of firms' financing constraints. In particular, they …

-lending activities enjoyed a relatively higher performance. This paper--a product of the Finance Team, Development Research Group …