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