The Gender-Differential Effect of Financial Inclusion on Household Financial Resilience
利用加纳家庭调查数据，采用核倾向得分匹配双重差分法，发现金融包容性显著提升家庭金融韧性，但性别和地区差异不显著；储蓄和正式账户的韧性效应更强，移动货币影响最小，而通过移动货币的汇款对农村女性韧性作用更大。
This paper applies the kernel propensity score matching difference-in-differences method to examine gender-differential effects of financial inclusion on household financial resilience, using repeated cross-sectional data from two successive large-scale surveys of Ghanaian households. Applying standardised indices for financial inclusion and financial resilience, we find that financial inclusion significantly improves household financial resilience. Results from gender and locality disaggregated analyses suggest that the effect of financial inclusion on household resilience does not significantly vary by gender or locality. Results from different measures of financial inclusion show that savings and formal account ownership yield more pronounced resilience effect, with mobile money (m-money) exerting the least impact. Remittances via m-money – sending and receiving (a proxy for social capital) – provide significant financial resilience effects, with generally stronger effects in rural than in urban areas, especially for females.