1 Subjects: “...National Governance...”

2 “... that need more external finance"--National Bureau of Economic Research web site...”

3 “... African countries. It uses data from the 2009 and 2010 Gallup World Poll, a nationally-representative...”

4 “..., borrow, make payments, and manage financial risks. Findex 2021 data were collected from national...”

5 “... financial risk and use financial services. The paper summarizes new data based on a nationally...”

6 “... in 23 developed nations. The results suggest that - consistent with the traditional "competition...”