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on Microfinance |
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Issue of 2023–12–18
two papers chosen by |
| By: | Asongu, Simplice; Odhiambo, Nicholas |
| Abstract: | This study focuses on linkages between bank accounts and supply-side mobile money drivers for mobile money innovations. It seeks to understand how bank accounts can be complemented with mobile subscription and mobile connectivity dynamics (i.e., mobile connectivity coverage and mobile connectivity performance) for mobile money innovations. The empirical evidence is based on quadratic Tobit regressions. First, there are positive net relationships from the roles of mobile subscriptions and mobile connectivity coverage in modulating bank accounts for mobile money innovations. Second, mobile connectivity performance does not significantly modulate bank accounts for mobile money innovations. Third, given the negative marginal relationships associated with the positive net relationships, thresholds for complementary policies in mobile money supply factors that are worthwhile for bank accounts to stimulate mobile money innovations are provided. The thresholds are: (i) mobile subscription rates of 87.50%, 80.50%, and 98.50% of the adult population for respectively, the mobile money accounts, the mobile used to send money, and the mobile used to receive money, and (ii) mobile connectivity coverages of 64.00%, 69.33%, and 78.00% for respectively, the mobile money accounts, the mobile used to send money, and the mobile used to receive money. |
| Keywords: | Mobile money; technology diffusion; financial inclusion; inclusive innovation |
| JEL: | D1 D14 D31 D60 O30 |
| Date: | 2022–01 |
| URL: | https://d.repec.org/n?u=RePEc:pra:mprapa:119058 |
| By: | Simplice A. Asongu (Yaoundé, Cameroon) |
| Abstract: | This study examines how the starting of business by females can be promoted by assessing critical levels of microfinance institutions (MFIs) penetration that policy makers must endeavour to maintain and/or attain in order for female unemployment not to represent a constraint in the doing of business. A constraint in doing business is understood in terms of the procedure that a woman has to go through in order to start a business. The focus of the study is on 44 countries in Sub-Saharan Africa (SSA) for the period 2004-2018, while the empirical evidence is based on interactive quantile regressions. The following findings are established. The validity of tested hypotheses is exclusively apparent in the lowest and highest quantiles of the conditional distribution of the procedure women have to go through to start a business. MFI penetration levels needed to reverse the unfavorable incidence of female unemployment in doing business are provided. These are minimum MFIs penetration thresholds that are required in order for female unemployment not to negatively affect the procedure that a woman should go through to start a business. The study complements the extant literature by assessing critical microfinance penetration levels that are needed to promote female doing of business, contingent on existing levels of female doing of business. |
| Keywords: | Africa; Microfinance; Gender; Inclusive development |
| Date: | 2023–01 |
| URL: | https://d.repec.org/n?u=RePEc:aak:wpaper:23/014 |