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Is Climbing Difficult? A Gendered Analysis on the Use of Financial Services in Ghana and South Africa

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  • Annim, Samuel

    ()
    (University of Central Lancashire)

  • Arun, Thankom Gopinath

    ()
    (University of Central Lancashire)

Abstract

This paper examines the gender gaps in the use of higher-order financial services such as investment and insurance, draws on the FinMark national-level data from Ghana and South Africa. The main observation is that females in South Africa are more likely to use general financial and investment products than in Ghana. The results also reveal that in Ghana, a substantial part of the gender differentials in the use of financial services can be attributed to unobserved characteristics, mostly related to attitude and perceptions that inhibit women's use of financial services.

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Bibliographic Info

Paper provided by Institute for the Study of Labor (IZA) in its series IZA Discussion Papers with number 7688.

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Length: 30 pages
Date of creation: Oct 2013
Date of revision:
Handle: RePEc:iza:izadps:dp7688

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Keywords: gender gaps; types and levels of access to finance; Ghana and South Africa;

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  1. Bauer, Michal & Chytilová, Julie & Morduch, Jonathan, 2010. "Behavioral Foundations of Microcredit: Experimental and Survey Evidence from Rural India," IZA Discussion Papers 4901, Institute for the Study of Labor (IZA).
  2. Aterido, Reyes & Beck, Thorsten & Iacovone, Leonardo, 2011. "Gender and finance in Sub-Saharan Africa : are women disadvantaged ?," Policy Research Working Paper Series 5571, The World Bank.
  3. Mikkel Barslund & Finn Tarp, 2008. "Formal and Informal Rural Credit in Four Provinces of Vietnam," Journal of Development Studies, Taylor & Francis Journals, Taylor & Francis Journals, vol. 44(4), pages 485-503.
  4. Jonathan Morduch, 1999. "The Microfinance Promise," Journal of Economic Literature, American Economic Association, vol. 37(4), pages 1569-1614, December.
  5. Muravyev, Alexander & Talavera, Oleksandr & Schäfer, Dorothea, 2009. "Entrepreneurs' gender and financial constraints: Evidence from international data," Journal of Comparative Economics, Elsevier, vol. 37(2), pages 270-286, June.
  6. Thomas N. Daymonti & Paul J. Andrisani, 1984. "Job Preferences, College Major, and the Gender Gap in Earnings," Journal of Human Resources, University of Wisconsin Press, vol. 19(3), pages 408-428.
  7. Philip Kostov & Thankom Arun & Samuel Annim, 2012. "Determinants of Access to Finance: An Investigation into the Mzansi Intervention," The European Journal of Development Research, Palgrave Macmillan, Palgrave Macmillan, vol. 24(3), pages 397-412, July.
  8. Annim, Samuel & Arun, Thankom Gopinath & Kostov, Philip, 2012. "Effect of Perceptions and Behaviour on Access to and Use of Financial Service: Evidence from South Africa," IZA Discussion Papers 7042, Institute for the Study of Labor (IZA).
  9. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, American Economic Association, vol. 71(3), pages 393-410, June.
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