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Access to Finance: Mind the Gender Gap

Author

Listed:
  • Hanan Morsy

  • Hoda Youssef

    (European Bank for Reconstruction and Development)

Abstract

Studies on financial inclusion have so far focused on assessing determinants to overall access to finance, but limited attention has been given to financial inclusion from a gender point of view, and on the gaps that separate females and males with regards to their access to the opportunities and services provided by the financial sector. We construct a database combining information from bank-level data with other variables reflecting the macro and regulatory framework across countries, as well as variables reflecting labour market female participation and gender disparities in access to property. A weighted least squares analysis is used to identify the impact of banking sector ownership structure and concentration, and of the regulatory and institutional framework on the gender gaps in selected indicators of financial access. We also assess whether these characteristics have the same effect on the overall level of access to finance.

Suggested Citation

  • Hanan Morsy & Hoda Youssef, 2015. "Access to Finance: Mind the Gender Gap," Working Papers 929, Economic Research Forum, revised Jul 2015.
    • Handle: RePEc:erg:wpaper:929
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    Cited by:

    1. Small, Sarah F. & van der Meulen Rodgers, Yana, 2023. "The gendered effects of investing in physical and social infrastructure," World Development, Elsevier, vol. 171(C).
    2. Valerija Botric & Tanja Broz, 2017. "Gender Differences in Financial Inclusion: Central and South Eastern Europe," South-Eastern Europe Journal of Economics, Association of Economic Universities of South and Eastern Europe and the Black Sea Region, vol. 15(2), pages 209-227.
    3. Simplice A. Asongu & Omang O. Messono & Keyanfe T. J. Guttemberg, 2021. "Women political empowerment and vulnerability to climate change: evidence from developing countries," Working Papers 21/010, European Xtramile Centre of African Studies (EXCAS).
    4. Sabyasachi Tripathi & Meenakshi Rajeev, 2023. "Gender-Inclusive Development through Fintech: Studying Gender-Based Digital Financial Inclusion in a Cross-Country Setting," Sustainability, MDPI, vol. 15(13), pages 1-34, June.
    5. Florence D. Mndolwa & Abdul Latif Alhassan, 2020. "Gender disparities in financial inclusion: Insights from Tanzania," African Development Review, African Development Bank, vol. 32(4), pages 578-590, December.
    6. Simplice Asongu & Nicholas Odhiambo, 2022. "The role of mobile characteristics on mobile money innovations," Quality & Quantity: International Journal of Methodology, Springer, vol. 56(6), pages 4693-4710, December.
    7. Kim, Amee & Vanheusden, Frederique J. & Rashid, Mamunur, 2025. "Factors affecting UK household financial risk-taking and their implications for consumption of financial investments," International Review of Economics & Finance, Elsevier, vol. 103(C).
    8. Allison, Lee & Liu, Yu & Murtinu, Samuele & Wei, Zuobao, 2023. "Gender and firm performance around the world: The roles of finance, technology and labor," Journal of Business Research, Elsevier, vol. 154(C).
    9. J. Pothin, Hounkpatin & Houinsou, Dedehouanou & Femi, Hounnou E. & Victor, Codjo & N. Emile, Houngbo & Gauthier, Biaou, 2025. "Promoting women autonomy in the agricultural sector: Is productivity land access mode wise and gender differentiated?," Land Use Policy, Elsevier, vol. 157(C).
    10. Tolulope Osinubi & Simplice Asongu, 2020. "Globalization and female economic participation in MINT and BRICS countries," Journal of Economic Studies, Emerald Group Publishing Limited, vol. 48(6), pages 1177-1193, October.
    11. Chenjing Zhang & Qiaoge Li & Di Mao & Mancang Wang, 2023. "Research on the Threshold Effect of Internet Development on Regional Inclusive Finance in China," Sustainability, MDPI, vol. 15(8), pages 1-20, April.
    12. Nawal Abdalla Adam, 2024. "Perceived Risk and External Finance Usage in Small- and Medium-Sized Enterprises: Unveiling the Moderating Influence of Business Age," JRFM, MDPI, vol. 17(4), pages 1-16, April.
    13. Kara, Alper & Zhou, Haoyong & Zhou, Yifan, 2021. "Achieving the United Nations' sustainable development goals through financial inclusion: A systematic literature review of access to finance across the globe," International Review of Financial Analysis, Elsevier, vol. 77(C).
    14. Mushab Rashid & Muhammad Khalid Anser & Syed Tahir Hussain Shah & Agha Amad Nabi & Ishfaq Ahmad & Khalid Zaman, 2025. "Fostering entrepreneurship: analyzing the influence of access to finance, innovation investment, educational attainment, infrastructure development, and regulatory environment," Future Business Journal, Springer, vol. 11(1), pages 1-21, December.

    More about this item

    JEL classification:

    • E02 - Macroeconomics and Monetary Economics - - General - - - Institutions and the Macroeconomy
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • P34 - Political Economy and Comparative Economic Systems - - Socialist Institutions and Their Transitions - - - Finance

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