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ICT Usage, Mobile Money and Financial Access of Women in Ghana

Author

Listed:
  • Evans S. Osabuohien
  • Alhassan A. Karakara

    (Covenant University)

Abstract

Women are the more disadvantaged and vulnerable compared to men, especially in Sub-Sahara Africa (SSA). Information and Communication Technologies (ICTs) and financial access towomen areessential in enhancing economic growth and development. We used two datasets (Ghana Demographic and Health Survey andthe World Bank Financial Inclusion) for the analysis. Descriptive statistics and econometric techniques (binary logistic as well as binary probit approaches) were used to examine both individuals’and households’ access to ICTs and financial activities for Ghanaian women in comparison to men. The results, inter alia, show the likelihood of women having advantage in access to mobile phone as well as saving with mobile money. Thus, it is recommended that efforts should be geared towards the provision of mobile phones (and other ICTs) to women to help them to be financially included to achieve development.

Suggested Citation

  • Evans S. Osabuohien & Alhassan A. Karakara, 2018. "ICT Usage, Mobile Money and Financial Access of Women in Ghana," Africagrowth Agenda, Africagrowth Institute, vol. 15(1), pages 14-18.
    • Handle: RePEc:afj:journ2:v:15:y:2018:i:1:p:14-18
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    Cited by:

    1. Asongu, Simplice A. & Ngoungou, Yolande E. & Nnanna, Joseph, 2023. "Mobile money innovations and health performance in sub-Saharan Africa," Technology in Society, Elsevier, vol. 74(C).
    2. Alhassan Abdul-Wakeel Karakara & Evans Osabuohien, 2020. "ICT adoption, competition and innovation of informal firms in West Africa: a comparative study of Ghana and Nigeria," Journal of Enterprising Communities: People and Places in the Global Economy, Emerald Group Publishing Limited, vol. 14(3), pages 397-414, June.
    3. Simplice A. Asongu & Peter Agyemang-Mintah & Joseph Nnanna & Yolande E. Ngoungou, 2024. "Mobile money innovations, income inequality and gender inclusion in sub-Saharan Africa," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 10(1), pages 1-21, December.
    4. Simplice A. Asongu & Uchenna Efobi & Belmondo V. Tanankem & Evans S. Osabuohien, 2019. "Globalisation and Female Economic Participation in Sub-Saharan Africa," Working Papers of The Association for Promoting Women in Research and Development in Africa (ASPROWORDA). 19/005, The Association for Promoting Women in Research and Development in Africa (ASPROWORDA).
    5. Alhassan Abdul-Wakeel Karakara & Evans S. Osabuohien, 2022. "Threshold effects of ICT access and usage in Burkinabe and Ghanaian households," Information Technology for Development, Taylor & Francis Journals, vol. 28(3), pages 511-531, July.
    6. Simplice A. Asongu & Therese E. Zogo & Mariette C. N. Mete & Barbara Deladem Mensah, 2024. "Not all that glitters is gold: financial access, microfinance and female unemployment in Sub-Saharan Africa," Working Papers of the African Governance and Development Institute. 24/036, African Governance and Development Institute..
    7. Simplice A. Asongu & Nicholas M. Odhiambo, 2023. "Female unemployment, mobile money innovations and doing business by females," Journal of Innovation and Entrepreneurship, Springer, vol. 12(1), pages 1-26, December.
    8. Simplice Asongu, 2023. "Female unemployment and the procedure that a woman has to go through to start a business: microfinance policy thresholds," Social Responsibility Journal, Emerald Group Publishing Limited, vol. 20(5), pages 939-955, December.
    9. Simplice A. Asongu & Nicholas M. Odhiambo, 2023. "Microfinance institutions and female entrepreneurship in Sub-Saharan Africa: avoidable female unemployment thresholds," Working Papers 23/018, European Xtramile Centre of African Studies (EXCAS).
    10. Asongu, Simplice A. & le Roux, Sara, 2023. "The role of mobile money innovations in transforming unemployed women to self-employed women in sub-Saharan Africa," Technological Forecasting and Social Change, Elsevier, vol. 191(C).
    11. Jean C. Kouam & Simplice A. Asongu, 2022. "Female Unemployment and Economic Growth in Cameroon: An Estimation of a Nonlinear Okun's Law Specification by the ARDL Cointegration Model," Working Papers of the African Governance and Development Institute. 22/078, African Governance and Development Institute..
    12. Karakara, Alhassan A. & Osabuohien, Evans S., 2019. "Households' ICT access and bank patronage in West Africa: Empirical insights from Burkina Faso and Ghana," Technology in Society, Elsevier, vol. 56(C), pages 116-125.
    13. Wilberforce Witts & Severine Kessy, 2023. "Demographics as Moderator Between Perceived Easy of Use, Individual Awareness and Adoption of Mobile Financial Services," International Journal of Business and Management, Canadian Center of Science and Education, vol. 16(12), pages 1-53, February.
    14. Simplice Asongu, 2024. "Fighting female unemployment: the role of female ownership of bank accounts in complementing female inclusive education," Journal of Entrepreneurship and Public Policy, Emerald Group Publishing Limited, vol. 13(3), pages 372-390, April.
    15. Jeremiah O. Ejemeyovwi & Evans S. Osabuohien & Olawale D. Johnson & Ebenezer I. K. Bowale, 2019. "Internet usage, innovation and human development nexus in Africa: the case of ECOWAS," Journal of Economic Structures, Springer;Pan-Pacific Association of Input-Output Studies (PAPAIOS), vol. 8(1), pages 1-16, December.

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