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Countries where men and women are more financially included, and where differences in endowments (income, education) are the cause vs. ones where something else is at work.

Unpacking the Gender Gaps in Financial Inclusion

Financial inclusion—an individual’s access to bank accounts or other financial products—has improved around much of the world, but significant gender gaps remain. How can we account for this gap? Do gender gaps in financial inclusion reflect differences in observable characteristics such as income, education, or labor force status? Would the gaps persist if women had the same levels of education and income as men? Or, are other, less observable, factors at work?

Liliana Rojas-Suarez presents her decision tree in Mexico City

Where Policy and Research Meet: Takeaways from Workshops on CGD's New Policy Decision Tree for Financial Inclusion

On October 10, CGD, in collaboration with the Alliance for Financial Inclusion (AFI), held a workshop in Mexico City to discuss CGD’s innovative tool that serves to diagnose the crucial impediments to digital financial inclusion in specific country contexts. There, we shared a draft of CGD’s forthcoming paper: A Decision Tree for Improving Financial Inclusion.

smiling woman at sewing machine

Helping Poor Women Grow Their Businesses with Mobile Savings, Training, and Something More?

Growing a business is not easy, and for women firm owners the challenges can be acute, especially when they are poor and run subsistence level firms. In developing countries, 22 percent of women discontinue their established businesses due to a lack of funds, and women are more likely than men to report exiting their businesses over finance problems, according to the Global Entrepreneurship Monitor. Meanwhile, personal savings are a crucial source of entrepreneurial financing, and nearly 95 percent of entrepreneurs globally state that they used their own funds to start or scale up their businesses. Women, however, face unique constraints in accumulating savings to invest in growing their firms.

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