Harnessing the transformative potential of financial inclusion / Exploiter le potentiel de transformation de l'inclusion financière
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Item What can behavioural science tell us about the financial decisions of women? : evidence from a systematic review of behavioural interventions(2018) Chetty, Rinelle; de Villiers, Louise; Dudar, Brittney; Smit, HermanA lack of gender-disaggregated data makes it difficult to identify specific ways in which women interact with financial services differently than men. Ensuring the impact of financial inclusion on women’s livelihoods means addressing multiple gender inequalities embedded in the entrepreneurial eco-system – including socio-cultural norms and the gendered division of labour. This paper reports on the effectiveness of behavioural interventions that could reasonably be applied by financial services providers. It first examines the evidence on interventions that influence savings, credit, payments and insurance decisions by all adults, then focuses specifically on interventions to improve service delivery for women.Item Exploring fintech solutions for women(2018)“Fintech” is broadly defined as technology-driven financial innovation. Despite high rates of female entrepreneurship in Africa, women face significant barriers to accessing and using financial services– including formal and regulatory exclusion, lack of access to capital, and persistent social norms that limit autonomy. This paper considers the gender dimension of financial inclusion, and the impact of fintech solutions on women. It begins with evidence on gains associated with these solutions, and how they are distributed by gender. It then presents a framework for thinking about the gender dimensions of fintech, and suggests avenues for further research and engagement.Item Demand-side review of financial inclusion for women in entrepreneurship and smallholder agriculture(2018) Ng'weno, Amolo; Oldja, Lauren; Hassan, Michelle; Kapoor, PriyankaTime, poverty and family care responsibilities, legal rights, security concerns, and capacity constraints affect women more than men in both agriculture and entrepreneurship sectors. Financial inclusion that is transformative in terms of women’s productivity, livelihoods, and economic empowerment requires uptake and continued use of relevant financial products. This paper uses a demand-side approach to understand gender barriers to financial inclusion among female entrepreneurs and smallholders. Through a literature review, secondary analysis of existing datasets, and key stakeholder interviews, the paper addresses whether and under what conditions financial inclusion can be transformative for women’s productivity, income growth, and empowerment.Item Beyond access : exploring gender-transformative approaches to financial inclusion(2018) Vossenberg, Saskia; Rappoldt, Anne; D'Anjou, JesseAccess to financial products and services can be a key enabler to enhancing women’s economic empowerment and livelihoods. This scoping paper explores integration of gender-transformative approaches to financial inclusion research and practice. It defines gender-transformative financial inclusion both as a process and as an outcome. It points to current knowledge gaps, and suggests areas for further research. For instance, “You can put all the financial inclusion you want in a woman’s life. But if we don’t reform constraints like women’s access to land, nothing changes.”Item Beyond access : shaping a gender-transformative approach to financial inclusion(2018)Assessments of local entrepreneurial ecosystems can help identify how inequalities impede women from financial inclusion and from improving their livelihoods. Moreover, assessments can reveal formal and informal rules that structure power relations between women, men, and institutions in the business environment. This brief draws on commissioned research and consultation to inform plans and policies that can shape new research directions in support of more gender-transformative approaches to financial inclusion.