Social Capital and Access to Credit: Evidence from Uganda

Anni Heikkilä, Panu Kalmi*, Olli Pekka Ruuskanen

*Corresponding author for this work

Research output: Contribution to journalArticleScientificpeer-review

12 Citations (Scopus)


We use a nationally representative survey in Uganda to study the links between social capital and financial access. Our results indicate a positive association between individual social capital and access to institutional credit, but no significant relationship between generalised trust and credit access. The effect of individual social capital is more pronounced for poorer people, in rural areas, and in areas where generalised trust is low. Individual social capital seems to promote access especially to semiformal and informal financial institutions.

Original languageEnglish
Pages (from-to)1273-1288
Number of pages16
Issue number9
Publication statusPublished - 4 May 2016
MoE publication typeA1 Journal article-refereed

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