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State fragility and the determinants of women’s financial inclusion in sub-Saharan Africa

Author

Listed:
  • Ariel Herbert FAMBEU

    (FSEGA, GRETA, University of Douala, Cameroon)

  • Patricia Tchawa YOMI

    (FSEGA, GREG, GRETA, University of Douala, Cameroon)

Abstract

The aim of this paper is to analyze the role of the fragility of African states on the individ-ual determinants of women’s financial inclusion. To this end, we use microeconomic data on 35 sub-Saharan African countries in 2017. Using a probit specification and a Heckman selection model, we show that the probability of being financially included is lower among women and in the most fragile states. The results also highlight the differentiated inci-dence of women’s individual characteristics on their financial inclusion in the most fragile states. Indeed, on the one hand, youth, poverty and the lack of mobile phones are the discriminating factors for women to have an account and build up savings. On the other hand, women’s individual characteristics do not explain the likelihood of making online payments in fragile states. Therefore, the effectiveness of policies to promote inclusion should vary according to the type of financial service and the level of state fragility.

Suggested Citation

  • 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.
    • Handle: RePEc:tou:journl:v:56:y:2022:p:61-76
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    Cited by:

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    More about this item

    Keywords

    Financial inclusion ; Fragile states ; Gender ; Sub-Saharan Africa;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O55 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Africa

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