2023-09-28 14:46:10 +00:00
|
|
|
abstract: 'MotivationSavings are an important but often overlooked component of
|
|
|
|
|
|
|
|
|
|
financial inclusion. While women are less active than men in the formal
|
|
|
|
|
|
|
|
|
|
financial sector there is little understanding about their ability to
|
|
|
|
|
|
|
|
|
|
accumulate savings.
|
|
|
|
|
|
|
|
|
|
PurposeWe hypothesize that a woman''s individual economic status,
|
|
|
|
|
|
|
|
|
|
measured by her property ownership, is an important driver of her
|
|
|
|
|
|
|
|
|
|
ability to save.
|
|
|
|
|
|
|
|
|
|
Approach and MethodsWomen are considered as savers in the formal sector
|
|
|
|
|
|
|
|
|
|
only if they have savings above a minimum threshold. Three measures of
|
|
|
|
|
|
|
|
|
|
women''s asset ownership are used: two capture their absolute property
|
|
|
|
|
|
|
|
|
|
status and one their relative status in the household. The data are
|
|
|
|
|
|
|
|
|
|
obtained from three large-scale surveys that collected individual-level
|
|
|
|
|
|
|
|
|
|
asset data in Ecuador, Ghana and the Indian state of Karnataka. Logistic
|
|
|
|
|
|
|
|
|
|
regression models are employed to examine the relationship between
|
|
|
|
|
|
|
|
|
|
women''s property ownership and accumulation of savings.
|
|
|
|
|
|
|
|
|
|
FindingsThe absolute value of a woman''s physical assets and her share of
|
|
|
|
|
|
|
|
|
|
household physical wealth are correlated with being able to accumulate
|
|
|
|
|
|
|
|
|
|
formal savings. Women''s relative wealth status is more strongly related
|
|
|
|
|
|
|
|
|
|
to their savings, along with education, paid employment and group
|
|
|
|
|
|
|
|
|
|
membership.
|
|
|
|
|
|
|
|
|
|
ConclusionsWomen''s intrahousehold status, defined by their relative
|
|
|
|
|
|
|
|
|
|
wealth, is critical to determining their ability to save in formal
|
|
|
|
|
|
|
|
|
|
accounts.
|
|
|
|
|
|
|
|
|
|
Policy ImplicationsInterventions that boost women''s bargaining power, by
|
|
|
|
|
|
|
|
|
|
increasing their property ownership, should be encouraged, along with
|
|
|
|
|
|
|
|
|
|
greater efforts to improve girls'' access to quality education.
|
|
|
|
|
|
|
|
|
|
Functional literacy training for older women can both reduce barriers to
|
|
|
|
|
|
|
|
|
|
accessing financial institutions and create awareness of their benefits.
|
|
|
|
|
|
|
|
|
|
Constraints to women''s participation in the labour force should be
|
|
|
|
|
|
|
|
|
|
removed in tandem with interventions to reduce gender earnings gaps.'
|
|
|
|
|
affiliation: 'Oduro, AD (Corresponding Author), Univ Ghana, Accra, Ghana.
|
|
|
|
|
|
|
|
|
|
Doss, Cheryl, Univ Oxford, Oxford, England.
|
|
|
|
|
|
|
|
|
|
Swaminathan, Hema; Suchitra, J. Y., Indian Inst Management Bangalore, Bangalore,
|
|
|
|
|
Karnataka, India.
|
|
|
|
|
|
|
|
|
|
Deere, Carmen Diana; Anglade, Boaz, Univ Florida, Gainesville, FL 32611 USA.
|
|
|
|
|
|
|
|
|
|
Oduro, Abena D., Univ Ghana, Accra, Ghana.'
|
|
|
|
|
author: Doss, Cheryl and Swaminathan, Hema and Deere, Carmen Diana and Suchitra, J.
|
|
|
|
|
Y. and Oduro, Abena D. and Anglade, Boaz
|
|
|
|
|
author-email: aoduro@ug.edu.gh
|
|
|
|
|
author_list:
|
|
|
|
|
- family: Doss
|
|
|
|
|
given: Cheryl
|
|
|
|
|
- family: Swaminathan
|
|
|
|
|
given: Hema
|
|
|
|
|
- family: Deere
|
|
|
|
|
given: Carmen Diana
|
|
|
|
|
- family: Suchitra
|
|
|
|
|
given: J. Y.
|
|
|
|
|
- family: Oduro
|
|
|
|
|
given: Abena D.
|
|
|
|
|
- family: Anglade
|
|
|
|
|
given: Boaz
|
|
|
|
|
da: '2023-09-28'
|
|
|
|
|
doi: 10.1111/dpr.12424
|
|
|
|
|
eissn: 1467-7679
|
|
|
|
|
files: []
|
|
|
|
|
issn: 0950-6764
|
|
|
|
|
journal: DEVELOPMENT POLICY REVIEW
|
|
|
|
|
keywords: financial institutions; formal savings; gender; immoveable property
|
|
|
|
|
keywords-plus: BANKING; GENDER; RIGHTS; POOR
|
|
|
|
|
language: English
|
|
|
|
|
month: MAR
|
|
|
|
|
number: '2'
|
|
|
|
|
number-of-cited-references: '39'
|
|
|
|
|
orcid-numbers: Doss, Cheryl/0000-0001-8292-3295
|
|
|
|
|
papis_id: a3e5929b02f9b25f359cd6bc4d290ab9
|
|
|
|
|
ref: Doss2020womenassets
|
|
|
|
|
times-cited: '4'
|
|
|
|
|
title: 'Women, assets, and formal savings: A comparative analysis of Ecuador, Ghana
|
|
|
|
|
and India'
|
2023-10-01 08:15:07 +00:00
|
|
|
type: article
|
2023-09-28 14:46:10 +00:00
|
|
|
unique-id: WOS:000511450800002
|
|
|
|
|
usage-count-last-180-days: '1'
|
|
|
|
|
usage-count-since-2013: '12'
|
|
|
|
|
volume: '38'
|
|
|
|
|
web-of-science-categories: Development Studies
|
|
|
|
|
year: '2020'
|
