1

2 “... level of financial development to gauge the relative performance of financial systems across the globe...”

3 “...Using a unique bank-level data set on the Ugandan banking system during 1999-2005, the authors...”

4 “... that will significantly increase the level and efficiency of financial intermediation and have a positive impact...”

5 “... over time and gaps that have arisen across regions, income levels, and gender, among others. It points...”

6 “...This paper uses cross-country firm-level surveys to gauge access to financial services...”

7 “... gaps in other dimensions related to the use of financial services, such as their lower level of income...”

8 “... a well-developed financial sector. In countries with higher levels of financial development...”

9 “...A country's level of financial development and the legal environment in which financial...”

10 “... of its financial system by using firm-level survey data on the obstacles that firms face in raising...”

11 “... banks might actually ease small firms' financing constraints, but only at low levels of gross domestic...”

12 “...-municipality-level data, the authors find some contrasting patterns. As foreign bank participation rose due...”

13 “... or across industries with different needs for external finance. Finally, it discusses firm-level...”

14 “...- and country-level variables show that bank size and the availability of physical infrastructure are the most...”

15 “... that industries heavily dependent on external finance grow faster in economies with higher levels of financial...”

16 “... development at both the aggregate and country levels and assess the degree to which individuals and firms can...”

17