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What drive gender gap in financial inclusion? Evidence from Cameroon

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  • Hermann Hegueu Ndoya
  • Charly Ondobo Tsala

Abstract

This article analyses the drivers of the gender gap in financial inclusion in Cameroon, using Finscope 2017 data and Fairlie's decomposition method. We analyse six distinct financial inclusion variables captured by access to and use of financial inclusion products and services. The results of the decomposition show that there is a gap in all indicators of access to and use of financial products and services in favour of men. The results also show that the largest contributor to the gender gap in access to financial products and services is income, with a contribution of more than 50%. The largest contributor to the gender gap in the use of financial products and services is education, with an average contribution of more than 35%. Based on these results, policy‐makers in Cameroon must work towards an equalization of access to education between men and women, in order to promote greater economic participation of women as well as more inclusive development.

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  • Hermann Hegueu Ndoya & Charly Ondobo Tsala, 2021. "What drive gender gap in financial inclusion? Evidence from Cameroon," African Development Review, African Development Bank, vol. 33(4), pages 674-687, December.
    • Handle: RePEc:bla:afrdev:v:33:y:2021:i:4:p:674-687
    DOI: 10.1111/1467-8268.12608
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    2. Atangana Ondoa, Henri & Ambombo Bella, Genevieve Lareine & Mbenga Bindop, Kunz Modeste, 2023. "Mobile money, family assistance and welfare in Cameroon," Telecommunications Policy, Elsevier, vol. 47(1).
    3. Abdoulganiour Almame Tinta & Idrissa Mohamed Ouédraogo & Ramatu Mahama Al‐Hassan, 2022. "The micro determinants of financial inclusion and financial resilience in Africa," African Development Review, African Development Bank, vol. 34(2), pages 293-306, June.
    4. Issa Dianda & Idrissa Ouedraogo & Hamidou Sawadogo, 2024. "Inclusive human development effect of financial inclusion in sub‐Saharan Africa: A gender perspective," Journal of International Development, John Wiley & Sons, Ltd., vol. 36(3), pages 1896-1917, April.
    5. Gregory Mvogo & Christèle Gladisse Awounang Djouaka, 2022. "Effet du mobile money sur la résilience des ménages exerçant des activités génératrices de revenus au Cameroun," African Development Review, African Development Bank, vol. 34(4), pages 459-471, December.
    6. Avom, Désiré & Bangaké, Chrysost & Ndoya, Hermann, 2023. "Do financial innovations improve financial inclusion? Evidence from mobile money adoption in Africa," Technological Forecasting and Social Change, Elsevier, vol. 190(C).
    7. 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 Association for Promoting Women in Research and Development in Africa (ASPROWORDA). 22/015, The Association for Promoting Women in Research and Development in Africa (ASPROWORDA).
    8. Sanjukta Sarkar & Saritha Nair & M. Vishnu Vardhana Rao, 2023. "Exploring the Gender Dimension in Financial Inclusion in India: Insights from the Global Findex Database," Journal of Development Policy and Practice, , vol. 8(2), pages 141-161, July.
    9. Milly Chepkorir Chebochok & Nimonka Bayale, 2023. "Effects of financial inclusion on tax revenue mobilization: Evidence from WAEMU countries," African Development Review, African Development Bank, vol. 35(2), pages 226-238, June.
    10. Ariel Herbert FAMBEU & Patricia Tchawa YOMI, 2022. "State fragility and the determinants of women’s financial inclusion in sub-Saharan Africa," Region et Developpement, Region et Developpement, LEAD, Universite du Sud - Toulon Var, vol. 56, pages 61-76.
    11. Hernández-Rivera, Ariadna, 2023. "Brecha de género en la confianza de productos y servicios financieros desde la perspectiva del comportamiento," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 15(1), pages 245-273, January.
    12. Zakaria Elouaourti & Aomar Ibourk, 2024. "Unveiling the drivers of Africa's digital financial inclusion journey," African Development Review, African Development Bank, vol. 36(1), pages 84-96, March.

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