Access to finance in sub-Saharan Africa: Is there a gender gap?

R. Aterido, T.H.L. Beck, L. Lacovone

Research output: Contribution to journalArticleScientificpeer-review

216 Citations (Scopus)


We show the existence of an unconditional gender gap in Sub-Saharan Africa. However, when key observable characteristics of the enterprises or individuals are taken into account the gender gap disappears. In the case of enterprises, we explain our finding with differences in key characteristics and a potential selection bias. In the case of individuals, the lower use of formal financial services by women can be explained by gender gaps in other dimensions related to the use of financial services, such as their lower level of income and education, and by their household and employment status.
Original languageEnglish
Pages (from-to)102-120
JournalWorld Development
Issue numberJuly 2013
Publication statusPublished - 2013


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