Gendered Paths to Asset Accumulation? Markets, Savings, and Credit in Developing Countries
利用厄瓜多尔、加纳和印度卡纳塔克邦的个人数据，研究男性和女性在住房、农地等资产获取方式上的差异，发现女性通过市场获取资产较少，且男女都更依赖储蓄而非信贷，建议金融包容政策应优先关注储蓄。
An extensive literature shows how property inheritance is biased against women in many developing countries, yet relatively little attention has been given to gender bias in other means of acquiring physical assets, such as the market. Using individual-level data from Ecuador, Ghana, and Karnataka, India, this study analyzes modes of acquisition and financing of housing, agricultural land, other real estate, and businesses. The findings show that women acquire fewer of their assets through the market than men, and that in asset markets, both men and women are more likely to use their own savings than to use credit. The study also analyzes current loans for asset acquisition and finds that, in general, women tend to be somewhat disadvantaged in securing formal bank loans. The results suggest that financial inclusion to promote more gender equal access to accumulation of assets should focus on both savings and credit, with priority to savings.