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Violence against women, innate preferences and financial inclusion

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  • Shahriar, Abu Zafar M.
  • Alam, Quamrul

Abstract

We examine the impact of intimate partner violence (IPV) on the decision of low-income women to enter formal financial markets by opening a bank account. Additionally, we investigate potential behavioral explanations for the connection between IPV and account-opening decisions. In laboratory experiments conducted in rural Bangladesh, we find that victims of IPV tend to be more risk tolerant and impatient compared to others. When given the option to open a bank account without fees, women who experienced IPV in the past 12 months are less likely to do so than those who did not experience such violence. A path analysis reveals that differences in risk tolerance and impatience mediate the relationship between IPV exposure and financial exclusion. Essentially, our findings indicate that exposure to IPV increases risk tolerance and impatience in women, which in turn discourages them from opening a savings account.

Suggested Citation

  • Shahriar, Abu Zafar M. & Alam, Quamrul, 2024. "Violence against women, innate preferences and financial inclusion," Pacific-Basin Finance Journal, Elsevier, vol. 87(C).
  • Handle: RePEc:eee:pacfin:v:87:y:2024:i:c:s0927538x24002348
    DOI: 10.1016/j.pacfin.2024.102482
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    Keywords

    Intimate partner violence; Financial inclusion; Risk preference; Time preference;
    All these keywords.

    JEL classification:

    • C9 - Mathematical and Quantitative Methods - - Design of Experiments
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
    • O21 - Economic Development, Innovation, Technological Change, and Growth - - Development Planning and Policy - - - Planning Models; Planning Policy

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