nep-mfd New Economics Papers
on Microfinance
Issue of 2017‒09‒24
two papers chosen by
Olivier Dagnelie
Université de Caen

  1. Women Empowerment in Bangladesh: Household Decisions under Development of Non-Farm Sectors and Microfinance Institutions By Mahmud Minhaj; Otsuka Keijiro; Sawada Yasuyuki; Tanaka Mari; Tanaka Tomomi
  2. Mobile Money and Household Consumption Patterns in Uganda By J Paul Dunne; Elizabeth Kasekende

  1. By: Mahmud Minhaj; Otsuka Keijiro; Sawada Yasuyuki; Tanaka Mari; Tanaka Tomomi
    Abstract: We analyze the factors and dynamics that contributed to the empowerment of women in Bangladesh. We first investigate the role of non-farm sector growth in facilitating female labor force participation and educational attainment, and then we explore how women’s decision-making roles in a household have improved over the same time period. Our results indicate that the proportion of village non-farm labor force participation is positively associated with female school enrollment as well as other indicators of women empowerment. Moreover, microcredit participation is found to be associated with larger roles for females in making household decisions particularly on non-farm activities.
    Keywords: non-farm labor force participation, Bangladesh, female schooling, marriage, fertility
    Date: 2017–06
  2. By: J Paul Dunne (Southern Africa Labour and Development Research Unit, School of Economics, University of Cape Town); Elizabeth Kasekende (Bank of Uganda)
    Abstract: Financial services in low income countries are often not well developed, thus, individuals rely heavily on informal means of financial services to send, receive and save money, with a large number of the population unbanked. Mobile money, a type of financial innovation, enables individuals to transfer, deposit and save money using cell phone technology. It not only has the potential to improve access to financial services but could also have an effect on household consumer behaviour and improve individuals' livelihoods. This paper investigates the difference in consumption patterns between mobile money users and non-users in Uganda, one of the countries that have seen significant increases in mobile money usage, since its introduction in 2009. It is based on the Financial Inclusion Tracker Surveys (FITS) household level data that was conducted in 2012. Using ordinary least squares and seemingly unrelated regression estimation techniques, the results suggests that mobile money users are less likely to spend on food, a necessity, and more likely to spend on luxury goods, than non-users. In addition, mobile money users are more likely to receive more remittances and, as a result, they are able to spend more efficiently on particular commodities than non-users. This suggests that mobile money could indeed potentially improve individuals' livelihoods.
    Keywords: Mobile money, Consumption patterns
    JEL: D12
    Date: 2017

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