Financial inclusion and women economic empowerment in Ghana

IF 5.6 2区 经济学 Q1 BUSINESS, FINANCE
Barbara Ama Zelu, Susana Iranzo, Alejandro Perez-Laborda
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引用次数: 0

Abstract

Although the impact of micro-credit and direct cash transfers on women economic empowerment has been extensively studied, the impact of having access to a bank account remains relatively understudied. This paper uses a detailed national representative dataset of female household heads in Ghana to analyze the relation between access to formal and informal financial accounts and women's economic empowerment. Using propensity score matching, our results elicit that women who have a financial account are more likely to be employed and tend to have higher income. The results are mainly driven by ownership of a formal account (i.e., in a commercial bank) while the impact of informal account ownership is not statistically significant. Thus our findings call for higher promotion of formal banking, particularly among women in rural and poorer areas where financial inclusion is lower.

加纳的金融包容性和妇女经济赋权
尽管小额信贷和直接现金转移对妇女经济赋权的影响已被广泛研究,但对获得银行账户的影响的研究仍相对不足。本文利用加纳女性户主的详细全国代表性数据集,分析了使用正规和非正规金融账户与妇女经济赋权之间的关系。利用倾向得分匹配法,我们的研究结果表明,拥有金融账户的女性更有可能就业,而且收入往往更高。结果主要受拥有正规账户(即商业银行账户)的影响,而拥有非正规账户的影响在统计上并不显著。因此,我们的研究结果呼吁加大正规银行业务的推广力度,尤其是在金融包容性较低的农村和贫困地区的妇女中。
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来源期刊
CiteScore
7.10
自引率
4.20%
发文量
85
审稿时长
100 days
期刊介绍: The intent of the editors is to consolidate Emerging Markets Review as the premier vehicle for publishing high impact empirical and theoretical studies in emerging markets finance. Preference will be given to comparative studies that take global and regional perspectives, detailed single country studies that address critical policy issues and have significant global and regional implications, and papers that address the interactions of national and international financial architecture. We especially welcome papers that take institutional as well as financial perspectives.
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