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Can she better educate her child? Impact of gender-based financial inclusion

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  • Rajeev, Meenakshi
  • Tripathi, Sabyasachi

Abstract

This study provides critical policy insight by constructing gender-disaggregated Financial Inclusion Indices (FII) for nations across the globe to evaluate the role of female financial inclusion (FI) in advancing educational outcomes. Using panel data from four waves of the World Bank's Global FINDEX, our findings reveal that female FI significantly increases girls' school enrollment, whereas male FI shows no such effect. Moreover, female FI has a stronger positive influence on girls' mean years of schooling than male FI. An important contribution of the paper is to address the issue in the framework of capability theory (Sen, 1993), based on which various policies for human development have been derived. We argue how education as an input is provided to a girl child to enhance her valued capability and functioning through the realized agency of a financially included mother. Based on these findings, we propose targeted policies to strengthen female financial inclusion, particularly in developing countries, to drive broader social and economic development.

Suggested Citation

  • Rajeev, Meenakshi & Tripathi, Sabyasachi, 2026. "Can she better educate her child? Impact of gender-based financial inclusion," Journal of Policy Modeling, Elsevier, vol. 48(4).
    • Handle: RePEc:eee:jpolmo:v:48:y:2026:i:4:s0161893825000985
    DOI: 10.1016/j.jpolmod.2025.08.001
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    Keywords

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    JEL classification:

    • O57 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Comparative Studies of Countries
    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • I31 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General Welfare, Well-Being

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