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The Gender-Differential Effect of Financial Inclusion on Household Financial Resilience

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  • Carlos Sakyi-Nyarko
  • Ahmad Hassan Ahmad
  • Christopher J. Green

Abstract

This paper applies the kernel propensity score matching difference-in-differences method to examine gender-differential effects of financial inclusion on household financial resilience, using repeated cross-sectional data from two successive large-scale surveys of Ghanaian households. Applying standardised indices for financial inclusion and financial resilience, we find that financial inclusion significantly improves household financial resilience. Results from gender and locality disaggregated analyses suggest that the effect of financial inclusion on household resilience does not significantly vary by gender or locality. Results from different measures of financial inclusion show that savings and formal account ownership yield more pronounced resilience effect, with mobile money (m-money) exerting the least impact. Remittances via m-money – sending and receiving (a proxy for social capital) – provide significant financial resilience effects, with generally stronger effects in rural than in urban areas, especially for females.

Suggested Citation

  • Carlos Sakyi-Nyarko & Ahmad Hassan Ahmad & Christopher J. Green, 2022. "The Gender-Differential Effect of Financial Inclusion on Household Financial Resilience," Journal of Development Studies, Taylor & Francis Journals, vol. 58(4), pages 692-712, April.
    • Handle: RePEc:taf:jdevst:v:58:y:2022:i:4:p:692-712
    DOI: 10.1080/00220388.2021.2013467
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    Citations

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    Cited by:

    1. Yang, Xiaolan & Huang, Yidong & Gao, Mei, 2022. "Can digital financial inclusion promote female entrepreneurship? Evidence and mechanisms," The North American Journal of Economics and Finance, Elsevier, vol. 63(C).
    2. Zelu, Barbara Ama & Iranzo, Susana & Perez-Laborda, Alejandro, 2024. "Financial inclusion and women economic empowerment in Ghana," Emerging Markets Review, Elsevier, vol. 62(C).
    3. 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.
    4. Jiang, Nana & Jiang, Wei & Wang, Yanfei & Zhang, Jinning, 2024. "Impact of financial reform on urban resilience: Evidence from the financial reform pilot zones in China," Socio-Economic Planning Sciences, Elsevier, vol. 94(C).
    5. Xiaoling Song & Jiaqi Li & Xueke Wu, 2024. "Financial inclusion, education, and employment: empirical evidence from 101 countries," Palgrave Communications, Palgrave Macmillan, vol. 11(1), pages 1-11, December.
    6. Carlos Sakyi‐Nyarko & Ahmad Hassan Ahmad & Christopher J. Green, 2022. "The role of financial inclusion in improving household well‐being," Journal of International Development, John Wiley & Sons, Ltd., vol. 34(8), pages 1606-1632, November.
    7. T. K. Murugesan & Edwin Ramirez Asis & Jaheer Mukthar K.P. & Juan Villanueva Calderón & Felix Julca Guerrero & Jorge Castillo Picon & Guillermo Pelaez Diaz, 2022. "Developing and Validating Constructs: A Pragmatic Measurement of Financial Inclusion as a Tool for Sustainable Growth," Sustainability, MDPI, vol. 14(20), pages 1-16, October.
    8. XueHui Zhang & Kun-Shan Wu & Mingwen He, 2023. "Concave-convex effect of financial resilience on corporate financial performance: quantile regression approach," Palgrave Communications, Palgrave Macmillan, vol. 10(1), pages 1-14, December.
    9. Liu, Taixing & Fan, Miaomiao & Li, Youwei & Yue, Pengpeng, 2024. "Financial literacy and household financial resilience," Finance Research Letters, Elsevier, vol. 63(C).
    10. Kennedy Ndue & Melese Mulu Baylie & Pál Goda, 2023. "Determinants of Rural Households’ Intensity of Flood Adaptation in the Fogera Rice Plain, Ethiopia: Evidence from Generalised Poisson Regression," Sustainability, MDPI, vol. 15(14), pages 1-19, July.
    11. 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).

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