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

Abstract

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
Volume47
Issue numberJuly 2013
DOIs
Publication statusPublished - 2013

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finance
financial services
gender
financial service
income
education
trend
Africa
Sub-Saharan Africa
Access to finance
Gender gap
Financial services
household
woman
Selection bias
Education
Employment status
Income
Household

Cite this

Aterido, R. ; Beck, T.H.L. ; Lacovone, L. / Access to finance in sub-Saharan Africa : Is there a gender gap?. In: World Development. 2013 ; Vol. 47, No. July 2013. pp. 102-120.
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Aterido, R, Beck, THL & Lacovone, L 2013, 'Access to finance in sub-Saharan Africa: Is there a gender gap?' World Development, vol. 47, no. July 2013, pp. 102-120. https://doi.org/10.1016/j.worlddev.2013.02.013

Access to finance in sub-Saharan Africa : Is there a gender gap? / Aterido, R.; Beck, T.H.L.; Lacovone, L.

In: World Development, Vol. 47, No. July 2013, 2013, p. 102-120.

Research output: Contribution to journalArticleScientificpeer-review

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AU - Beck, T.H.L.

AU - Lacovone, L.

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AB - 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.

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DO - 10.1016/j.worlddev.2013.02.013

M3 - Article

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SN - 0305-750X

IS - July 2013

ER -