Sex, language, and financial inclusion

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Title: Sex, language, and financial inclusion
ISBN: 978-952-323-321-8
Author: Osei-Tutu, Francis ; Weill, Laurent
Organization: Bank of Finland
Department / Unit: Institute for Economies in Transition (BOFIT)
Series: BOFIT Discussion Papers
ISSN: 1456-5889
Series year: 2020
Series number: 9/2020
Year of publication: 2020
Publication date: 1.4.2020
Pages: 42
Subject (yso): sukupuoli; sukupuoliroolit; osallistuminen; rahoitusmarkkinat; pankkitilit; luotot; lainat (rahasumma); rahoitus; saatavuus; naiset; indikaattorit; kielelliset vaikutukset; terminologia; kulttuurivaikutukset
Keywords: Bofit-kokoelma; rahoituksen saanti; kielen merkitys
JEL: G21; Z13
Other keywords: financial inclusion; gender; language
Abstract: Reference to gender in language can lead individuals to draw distinctions between genders and reinforce traditional views of gender roles. To test our hypothesis that language gender-marking exerts an influence on the gender gap in financial inclusion, we draw on data for 117 countries in the World Bank’s Global Findex database and perform logit estimations at the individual level. We find the gender gap in the probability of owning a formal account, having access to a formal credit, as well as having savings in a formal financial institution is higher for countries with gendered languages than for countries with genderless languages. These findings are confirmed in robustness checks that control for alternative measures of culture and estimations at the country level.
Table of contents: Abstract .. 4 1 Introduction .. 5 2 Background .. 7 3 Data and methodology .. 10 3.1 Measuring financial inclusion .. 10 3.2 Measuring gender marking in languages .. 11 3.3 Methodology .. 13 4 Results .. 14 4.1 Determinants of main financial inclusion indicators .. 14 4.2 Additional estimations .. 16 4.2.1 Barriers to financial inclusion .. 16 4.2.2 Understanding credit behavior .. 17 5 Robustness checks .. 19 5.1 Additional measures for culture .. 19 5.2 Country-level estimations .. 21 5.3 Inclusion of country fixed effects .. 22 5.4 Alternative definition of AGIV variable .. 22 6 Conclusion .. 23 References .. 24 Tables .. 27 Appendix .. 40
Rights: https://helda.helsinki.fi/bof/copyright


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