了解肯尼亚金融包容性的代际差异

IF 1.4 Q3 ECONOMICS
Lilian Korir, Dieu Hack-Polay
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引用次数: 0

摘要

本文的目的是估计五代人以及性别、教育和地理位置(城乡)等关键普惠金融指标在加剧肯尼亚普惠金融差距方面的影响。本文考虑了肯尼亚的五代队列群体是否在金融包容性决定因素和行为上存在差异,正如共同的世代刻板印象所预测的那样。设计/方法/方法作者对肯尼亚具有全国代表性的家庭调查数据采用了多项逻辑回归方法,以估计关键金融包容性指标对属于五代人之一的影响:Z、Y、X、婴儿潮一代和传统主义者。作者发现,所有测试变量与金融包容性之间存在显著联系。两位作者发现,X世代和Y世代在获取金融服务和产品方面存在差距,后者更倾向于获取和使用金融服务和产品。这些差异因性别和农村而更加复杂。农村地区的人民和妇女一般获得金融服务和产品的机会较少,因此造成很大一部分人口被排除在外。该研究对政府、金融机构和教育提供者具有重要意义,特别是在有针对性的政策和计划方面,这些政策和计划的战略目标是消除差距和促进更大的金融包容性,这表明了代际差异和性别包容性等变量的价值。本文加深了对普惠金融代际差异的理解。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Understanding generational differences for financial inclusion in Kenya

Purpose

The purpose of this paper is to estimate the effect the five different generations and the key financial inclusion indicators of gender, education and location (rural–urban) in exacerbating disparities in financial inclusion in Kenya. This paper considers whether the five generational cohort groups in Kenya differ on the financial inclusion determinants and behaviour as predicted by common generational stereotypes.

Design/methodology/approach

The authors applied a multinomial logistic regression approach to nationally representative household survey data from Kenya to estimate the effect that key financial inclusion indicators have on belonging to one of the five generations: Z, Y, X, baby boomers and traditionalists.

Findings

The authors found significant links between all tested variables and financial inclusion. The authors found an access gap between Generations X and Y, with the latter being more prone to access and use financial services and products. These differences are compounded by gender and rurality. People in rural locations and women generally were found to have less access to financial services and products, thus causing significant exclusion of a large proportion of the population.

Practical implications

The research has important implications for governments, financial institutions and educational providers, notably on targeted policies and programmes that strategically aim to eliminate disparities and promote greater financial inclusion, denoting the value of such variables as generational differences and gender inclusivity.

Originality/value

This paper deepens the understanding of differences that can divide generations on financial inclusion.

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来源期刊
CiteScore
3.20
自引率
7.70%
发文量
41
期刊介绍: African Journal of Economic and Management Studies (AJEMS) advances both theoretical and empirical research, informs policies and practices, and improves understanding of how economic and business decisions shape the lives of Africans. AJEMS is a multidisciplinary journal and welcomes papers from all the major disciplines in economics, business and management studies.
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