{"title":"Mobile money and households' ability to respond to health shocks in Africa: Evidence from Madagascar.","authors":"Gbêtondji Melaine Armel Nonvide","doi":"10.1007/s10198-025-01888-y","DOIUrl":null,"url":null,"abstract":"<p><p>Promoting the use of mobile money seems to be an important way of improving financial inclusion and households ability to cope with health shocks. This study aims to analyze the impact of mobile money usage on households ability to respond to health shocks in Madagascar. We also investigated the differential impact for disadvantaged groups such as female, less educated and rural people. FinScope database on financial inclusion is used. Employing an instrumental probit model, the results reveal that the use of mobile money increases households' ability to respond to health shocks by about 44.8%. The mains coping mechanisms include used of savings and assistance from friends/family. Results also reveal that the use of mobile money favors households in urban area compared to those in rural area. Women benefited more compared to men. Overall, these findings could inform policy makers on how to improve financial inclusion for disadvantaged groups and reduce vulnerability to health shocks in Africa.</p>","PeriodicalId":51416,"journal":{"name":"European Journal of Health Economics","volume":" ","pages":"1479-1496"},"PeriodicalIF":3.1000,"publicationDate":"2026-09-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"European Journal of Health Economics","FirstCategoryId":"3","ListUrlMain":"https://doi.org/10.1007/s10198-025-01888-y","RegionNum":3,"RegionCategory":"医学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"2026/3/4 0:00:00","PubModel":"Epub","JCR":"Q1","JCRName":"ECONOMICS","Score":null,"Total":0}
引用次数: 0
Abstract
Promoting the use of mobile money seems to be an important way of improving financial inclusion and households ability to cope with health shocks. This study aims to analyze the impact of mobile money usage on households ability to respond to health shocks in Madagascar. We also investigated the differential impact for disadvantaged groups such as female, less educated and rural people. FinScope database on financial inclusion is used. Employing an instrumental probit model, the results reveal that the use of mobile money increases households' ability to respond to health shocks by about 44.8%. The mains coping mechanisms include used of savings and assistance from friends/family. Results also reveal that the use of mobile money favors households in urban area compared to those in rural area. Women benefited more compared to men. Overall, these findings could inform policy makers on how to improve financial inclusion for disadvantaged groups and reduce vulnerability to health shocks in Africa.
期刊介绍：
The European Journal of Health Economics is a journal of Health Economics and associated disciplines. The growing demand for health economics and the introduction of new guidelines in various European countries were the motivation to generate a highly scientific and at the same time practice oriented journal considering the requirements of various health care systems in Europe. The international scientific board of opinion leaders guarantees high-quality, peer-reviewed publications as well as articles for pragmatic approaches in the field of health economics. We intend to cover all aspects of health economics:
• Basics of health economic approaches and methods
• Pharmacoeconomics
• Health Care Systems
• Pricing and Reimbursement Systems
• Quality-of-Life-Studies The editors reserve the right to reject manuscripts that do not comply with the above-mentioned requirements. The author will be held responsible for false statements or for failure to fulfill the above-mentioned requirements.
Officially cited as: Eur J Health Econ
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