Is Climbing Difficult? A Gendered Analysis on the Use of Financial Services in Ghana and South Africa
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.
|Date of creation:||Oct 2013|
|Date of revision:|
|Contact details of provider:|| Postal: |
Phone: +49 228 3894 223
Fax: +49 228 3894 180
Web page: http://www.iza.org
|Order Information:|| Postal: IZA, Margard Ody, P.O. Box 7240, D-53072 Bonn, Germany|
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- 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.
- Michal Bauer & Julie Chytilova & Jonathan Morduch, 2012.
"Behavioral Foundations of Microcredit: Experimental and Survey Evidence from Rural India,"
American Economic Review,
American Economic Association, vol. 102(2), pages 1118-39, April.
- Michal Bauer & Julie Chytilová & Jonathan Morduch, 2008. "Behavioral Foundations of Microcredit: Experimental and Survey Evidence From Rural India," Working Papers IES 2008/28, Charles University Prague, Faculty of Social Sciences, Institute of Economic Studies, revised Nov 2008.
- 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).
- 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.
- Alexander Muravyev & Dorothea Schaefer & Oleksandr Talavera, 2008. "Entrepreneurs' gender and financial constraints: evidence from international data," Discussion Papers 11, Kyiv School of Economics.
- Alexander Muravyev & Dorothea Schäfer & Oleksandr Talavera, 2007. "Entrepreneurs' Gender and Financial Constraints: Evidence from International Data," Discussion Papers of DIW Berlin 706, DIW Berlin, German Institute for Economic Research.
- Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June.
- Jonathan Morduch, 1999. "The Microfinance Promise," Journal of Economic Literature, American Economic Association, vol. 37(4), pages 1569-1614, December.
- Mikkel Barslund & Finn Tarp, 2007.
"Formal and Informal Rural Credit in Four Provinces of Vietnam,"
07-07, University of Copenhagen. Department of Economics.
- Mikkel Barslund & Finn Tarp, 2008. "Formal and Informal Rural Credit in Four Provinces of Vietnam," Journal of Development Studies, Taylor & Francis Journals, vol. 44(4), pages 485-503.
- Demirguc-Kunt, Asli & Klapper, Leora & Singer, Dorothe, 2013. "Financial inclusion and legal discrimination against women : evidence from developing countries," Policy Research Working Paper Series 6416, The World Bank.
- 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).
- 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.
- 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, vol. 24(3), pages 397-412, July.
When requesting a correction, please mention this item's handle: RePEc:iza:izadps:dp7688. See general information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Mark Fallak)
If references are entirely missing, you can add them using this form.