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The gender-differential effect of financial inclusion on household financial resilience

journal contribution
posted on 23.11.2021, 10:54 by Carlos Sakyi-NyarkoCarlos Sakyi-Nyarko, Ahmad Hassan AhmadAhmad Hassan Ahmad, Christopher Green
This paper applies the kernel propensity score matching difference-in-differences method to examine gender-differential effects of financial inclusion on household financial resilience, using repeated cross-sectional data from two successive large-scale surveys of Ghanaian households. Applying standardised indices for financial inclusion and financial resilience, we find that financial inclusion significantly improves household financial resilience. Results from gender and locality disaggregated analyses suggest that the effect of financial inclusion on household resilience does not significantly vary by gender or locality. Results from different measures of financial inclusion show that savings and formal account ownership yield more pronounced resilience effect, with mobile money (m-money) exerting the least impact. Remittances via m-money – sending and receiving (a proxy for social capital) – provide significant financial resilience effects, with generally stronger effects in rural than in urban areas, especially for females.

Funding

Delivering Inclusive Financial Development and Growth

Economic and Social Research Council

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Loughborough University Graduate School Studentships

Ghana Education Trust Fund

History

School

  • Business and Economics
  • Social Sciences and Humanities

Department

  • Economics
  • Geography and Environment

Published in

The Journal of Development Studies

Publisher

Taylor & Francis (Routledge)

Version

AM (Accepted Manuscript)

Publisher statement

This is an Accepted Manuscript of an article published by Taylor & Francis in The Journal of Development Studies on [date of publication], available online: http://www.tandfonline.com/[Article DOI].

Acceptance date

16/11/2021

ISSN

0022-0388

eISSN

1743-9140

Language

en

Depositor

Dr Ahmad Hassan Ahmad. Deposit date: 22 November 2021

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