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Financial Inclusion, Shocks and Poverty: Evidence from the Expansion of Mobile Money in Tanzania

Olukorede Abiona () and Martin Foureaux Koppensteiner
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Olukorede Abiona: University of Leicester

No 11928, IZA Discussion Papers from Institute of Labor Economics (IZA)

Abstract: We estimate the effect of mobile money adoption on consumption smoothing, poverty and human capital investments in Tanzania. We exploit the rapid expansion of the mobile money agent network between 2010 and 2012 and combine this with idiosyncratic shocks from variation in rainfall over time and across space in an instrumented DiD methodology. We find that adopter households are able to smooth consumption during periods of shocks and maintain their investments in human capital. Results on time use of children and labor force participation complement the findings on the important role of mobile money for the intergenerational transmission of poverty.

Keywords: poverty; rainfall; household shocks; mobile money; human capital accumulation; Tanzania (search for similar items in EconPapers)
JEL-codes: G23 H31 I31 I32 (search for similar items in EconPapers)
New Economics Papers: this item is included in nep-dev, nep-fle, nep-ltv and nep-pay
Date: 2018-10
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