La présentation de l'étude sur le site Micro Capital.

je dois dire que ce genre de conclusion :

Forty percent of the total households sampled earned their income as wage-workers with relatively stable incomes. The report concludes that the unbanked households in the survey sample did not use financial services by choice due to a lack of knowledge on the benefits of microfinance services offered by their local savings and credit cooperatives. Potential clients often assumed that they did not have enough money to use available financial services

me laisse toujours un peu interloqué. Les études qui concluent que les pauvres sont pauvres parce qu'ils sont un peu cons sont des études heu un peu orientées ?

Par ailleurs, Djankov est, d'après mon souvenir, le Grand Manitou des études Doing Business, que j'adore particulièrement (ironie inside)