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Income

Household income helps to determine both an individual’s access to and use of formal financial products. In developing economies, the richest 20 percent of adults in a country are more than three times as likely to save in a formal financial institution as the poorest 20 percent of adults, on average. Meanwhile, poorer adults are more likely to have an outstanding loan for emergency or health reasons.

Adults who borrowed from a formal financial institution in the past 12 months, by income (in %)
Adults who saved at a formal financial institution in the past 12 months, by income (in %)
Adults with an account at a formal financial institution by income (in %)
Source: Demirguc-Kunt and Klapper, 2012
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Source: Demirgunc-Kunt and Klapper, 2012