Gender and Finance in Sub-Saharan Africa : Are Women Disadvantaged?

Aterido, Reyes; Beck, Thorsten; Iacovone, Leonardo

dc.creator	Aterido, Reyes
dc.creator	Beck, Thorsten
dc.creator	Iacovone, Leonardo
dc.date	2012-03-19T18:00:35Z
dc.date	2012-03-19T18:00:35Z
dc.date	2011-02-01
dc.date.accessioned	2023-02-17T20:54:45Z
dc.date.available	2023-02-17T20:54:45Z
dc.identifier	http://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20110223113408
dc.identifier	http://hdl.handle.net/10986/3338
dc.identifier.uri	http://localhost:8080/xmlui/handle/CUHPOERS/244279
dc.description	This paper assesses whether there is a gender gap in the use of financial services by businesses and individuals in Sub-Saharan Africa. The authors do not find evidence of gender discrimination or lower inherent demand for financial services by enterprises with female ownership participation or by female individuals when key characteristics of the enterprises or individuals are taken into account. In the case of enterprises, they explain this finding with selection bias -- females are less likely to run sole proprietorships than men, and firms with female ownership participation are smaller, but more likely to innovate. In the case of individuals, the lower use of formal financial services by women can be explained by gender gaps in other dimensions related to the use of financial services, such as their lower level of income and education, and by their household and employment status.
dc.language	English
dc.relation	Policy Research working paper ; no. WPS 5571
dc.rights	CC BY 3.0 IGO
dc.rights	http://creativecommons.org/licenses/by/3.0/igo/
dc.rights	World Bank
dc.subject	ACCESS TO CAPITAL
dc.subject	ACCESS TO CREDIT
dc.subject	ACCESS TO EXTERNAL FINANCE
dc.subject	ACCESS TO FINANCE
dc.subject	ACCESS TO FINANCIAL SERVICES
dc.subject	ACCESS TO FORMAL FINANCE
dc.subject	ACCESS TO SAVINGS
dc.subject	ACCOUNTING
dc.subject	BANK ACCOUNTS
dc.subject	BANK LOAN
dc.subject	BANK OFFICE
dc.subject	BANKING SERVICES
dc.subject	BANKING SYSTEM
dc.subject	BANKS
dc.subject	BARRIER
dc.subject	BIASES
dc.subject	BROAD ACCESS
dc.subject	BUSINESS ENVIRONMENT
dc.subject	CAPITAL ACCUMULATION
dc.subject	CAPITAL ALLOCATION
dc.subject	CAPITAL NEEDS
dc.subject	CITIES
dc.subject	COLLEGE DEGREE
dc.subject	COUNTRY FIXED EFFECTS
dc.subject	CREDIT CONSTRAINTS
dc.subject	CREDIT HISTORY
dc.subject	DEBT
dc.subject	DESCRIPTION
dc.subject	ECONOMETRICS
dc.subject	ECONOMIC GROWTH
dc.subject	EDUCATION LEVEL
dc.subject	EDUCATION LEVELS
dc.subject	EDUCATIONAL ATTAINMENT
dc.subject	EMPLOYMENT
dc.subject	EMPLOYMENT STATUS
dc.subject	ENTERPRISE ACCESS
dc.subject	ENTERPRISE DEVELOPMENT
dc.subject	ENTRY BARRIERS
dc.subject	EXCHANGE RATES
dc.subject	EXTERNAL FINANCING
dc.subject	FEMALE
dc.subject	FEMALE ENTREPRENEURS
dc.subject	FEMALE ENTREPRENEURSHIP
dc.subject	FEMALES
dc.subject	FINANCIAL CONSTRAINTS
dc.subject	FINANCIAL EXCLUSION
dc.subject	FINANCIAL INSTITUTIONS
dc.subject	FINANCIAL LITERACY
dc.subject	FINANCIAL MARKET
dc.subject	FINANCIAL MARKETS
dc.subject	FINANCIAL SECTOR DEVELOPMENT
dc.subject	FINANCIAL SECTOR POLICY
dc.subject	FINANCIAL SERVICE
dc.subject	FINANCIAL SERVICE PROVIDERS
dc.subject	FINANCIAL SERVICES
dc.subject	FINANCIAL SUPPORT
dc.subject	FINANCING ARRANGEMENTS
dc.subject	FINANCING OBSTACLES
dc.subject	FIRM GROWTH
dc.subject	FIXED ASSET
dc.subject	FLOW OF CAPITAL
dc.subject	FOREIGN OWNERS
dc.subject	FOREIGN OWNERSHIP
dc.subject	FORMAL BANK
dc.subject	FORMAL BANKING
dc.subject	FORMAL CREDIT
dc.subject	FORMAL FINANCE
dc.subject	FORMAL FINANCIAL INSTITUTION
dc.subject	FORMAL FINANCIAL INSTITUTIONS
dc.subject	FORMAL FINANCIAL SECTOR
dc.subject	FORMAL FINANCIAL SERVICE
dc.subject	FORMAL FINANCIAL SERVICES
dc.subject	GENDER
dc.subject	GENDER BIAS
dc.subject	GENDER DIFFERENCE
dc.subject	GENDER DIFFERENCES
dc.subject	GENDER DISCRIMINATION
dc.subject	GENDER EQUALITY
dc.subject	GENDER GAP
dc.subject	GENDER GAP IN ACCESS
dc.subject	GENDER GAPS
dc.subject	GENDERS
dc.subject	GEOGRAPHIC BARRIERS
dc.subject	GOVERNMENT OWNERSHIP
dc.subject	HEAD OF HOUSEHOLD
dc.subject	HEADS OF HOUSEHOLD
dc.subject	HEADS OF HOUSEHOLDS
dc.subject	HOUSEHOLD ACCESS
dc.subject	HOUSEHOLD INCOME
dc.subject	HOUSEHOLDS
dc.subject	HUMAN CAPITAL
dc.subject	HUSBANDS
dc.subject	INCOME DISTRIBUTION
dc.subject	INCOMES
dc.subject	INEQUALITY
dc.subject	INFLATION
dc.subject	INFLATION RATE
dc.subject	INFORMAL ECONOMIES
dc.subject	INFORMAL FINANCE
dc.subject	INFORMAL FINANCIAL INSTITUTIONS
dc.subject	INFORMAL FINANCING
dc.subject	INHABITANTS
dc.subject	INHERITANCE
dc.subject	INSURANCE
dc.subject	INTEREST RATE
dc.subject	INTERNATIONAL BANK
dc.subject	INVESTMENT CLIMATE
dc.subject	INVESTMENT OPPORTUNITIES
dc.subject	LABOR MARKET
dc.subject	LACK OF ACCESS
dc.subject	LEGAL CONSTRAINTS
dc.subject	LEGAL INVESTMENT
dc.subject	LIMITED ACCESS
dc.subject	LOAN
dc.subject	LOAN APPLICATIONS
dc.subject	MACROECONOMICS
dc.subject	MARITAL STATUS
dc.subject	MARKET ECONOMY
dc.subject	MARRIED MEN
dc.subject	MARRIED WOMEN
dc.subject	MFIS
dc.subject	MICROCREDIT
dc.subject	MICROFINANCE
dc.subject	MOBILE PHONE
dc.subject	MOBILE PHONES
dc.subject	MONEY LENDERS
dc.subject	NEW BUSINESS
dc.subject	OBSTACLES TO GROWTH
dc.subject	OPPORTUNITIES FOR WOMEN
dc.subject	OUTREACH
dc.subject	OVERDRAFT
dc.subject	OWNERSHIP RIGHTS
dc.subject	PENSION
dc.subject	PROPERTY RIGHT
dc.subject	PROPRIETORSHIP
dc.subject	PROPRIETORSHIPS
dc.subject	RURAL AREA
dc.subject	RURAL AREAS
dc.subject	SAVINGS SERVICES
dc.subject	SEX
dc.subject	SMALL BUSINESSES
dc.subject	SMALL ENTERPRISE
dc.subject	SMALL TOWNS
dc.subject	SOURCE OF INCOME
dc.subject	START-UP
dc.subject	START-UP CAPITAL
dc.subject	SUPPLY OF FINANCE
dc.subject	TAX
dc.subject	TAX LIABILITY
dc.subject	TRANSITION ECONOMIES
dc.subject	VENTURE CAPITAL
dc.subject	WIFE
dc.subject	WILL
dc.subject	WOMEN ENTREPRENEURS
dc.subject	WORKING CAPITAL
dc.title	Gender and Finance in Sub-Saharan Africa : Are Women Disadvantaged?
dc.type	Publications & Research :: Policy Research Working Paper
dc.coverage	Africa
dc.coverage	Africa
dc.coverage	Africa