Impact of Infrastructure and Agroclimate on the Location of Rural Bank Branches in Pakistan: A Preliminary Assessment

Kalbe Abbas, Musleh-Ud Din, Ejaz Ghani, Sarfraz Khan Qureshi


Rural financial institutions play an important role in
development and growth of the agricultural sector. In developing
economies some rural areas are adequately served by financial
institutions, while others have little or no access to these
institutions. This uneven pattern of geographic location of rural bank
branches has been attributed largely to regional differences in
agroclimatic conditions and infrastructural endowments. We have
estimated several alternative specifications which can be helpful in
understanding the spatial distribution of commercial bank branches
across the rural areas. Our results indicate that the location of rural
bank branches is significantly influenced by infrastructural endowments
and agroclimatic environment.

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