Sex, language, and financial inclusion

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dc.contributor Bank of Finland Osei-Tutu, Francis Weill, Laurent 2020-04-03T07:43:04Z 2020-04-03T07:43:04Z 2020
dc.identifier.isbn 978-952-323-321-8
dc.identifier.issn 1456-5889
dc.description.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.
dc.description.tableofcontents 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
dc.format.extent 42
dc.language.iso ENG
dc.subject Bofit-kokoelma
dc.subject rahoituksen saanti
dc.subject kielen merkitys
dc.subject.other financial inclusion
dc.subject.other gender
dc.subject.other language
dc.title Sex, language, and financial inclusion
dc.type Paper
dc.identifier.urn URN:NBN:fi:bof-202004032060
dc.subject.jel G21
dc.subject.jel Z13 BOFIT Discussion Papers
dc.series.year 2020
dc.series.number 9/2020
dc.series.sortingnumber 009 1.4.2020
dc.subject.yso sukupuoli
dc.subject.yso sukupuoliroolit
dc.subject.yso osallistuminen
dc.subject.yso rahoitusmarkkinat
dc.subject.yso pankkitilit
dc.subject.yso luotot
dc.subject.yso lainat (rahasumma)
dc.subject.yso rahoitus
dc.subject.yso saatavuus
dc.subject.yso naiset
dc.subject.yso indikaattorit
dc.subject.yso kielelliset vaikutukset
dc.subject.yso terminologia
dc.subject.yso kulttuurivaikutukset
dc.contributor.orgunit Institute for Economies in Transition (BOFIT)
dc.description.publication Forthcoming in Economics of Transition
dc.type.okm D4

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