State fragility and the determinants of women’s financial inclusion in sub-Saharan Africa

Ariel Herbert Fambeu () and Patricia Tchawa Yomi ()
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Ariel Herbert Fambeu: FSEGA, GRETA, University of Douala, Cameroon
Patricia Tchawa Yomi: FSEGA, GREG, GRETA, University of Douala, Cameroon

Region et Developpement, 2022, vol. 56, 61-76

Abstract: The aim of this paper is to analyze the role of the fragility of African states on the individ-ual determinants of women’s financial inclusion. To this end, we use microeconomic data on 35 sub-Saharan African countries in 2017. Using a probit specification and a Heckman selection model, we show that the probability of being financially included is lower among women and in the most fragile states. The results also highlight the differentiated inci-dence of women’s individual characteristics on their financial inclusion in the most fragile states. Indeed, on the one hand, youth, poverty and the lack of mobile phones are the discriminating factors for women to have an account and build up savings. On the other hand, women’s individual characteristics do not explain the likelihood of making online payments in fragile states. Therefore, the effectiveness of policies to promote inclusion should vary according to the type of financial service and the level of state fragility.

Keywords: Financial inclusion; Fragile states; Gender; Sub-Saharan Africa (search for similar items in EconPapers)
JEL-codes: G21 J16 O16 O55 (search for similar items in EconPapers)
Date: 2022
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Citations: View citations in EconPapers (1)

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Persistent link: https://EconPapers.repec.org/RePEc:tou:journl:v:56:y:2022:p:61-76

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