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首页> 外文期刊>Journal of African Business >Mobile Telephony, Financial Inclusion and Inclusive Growth
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Mobile Telephony, Financial Inclusion and Inclusive Growth

机译：移动电话，金融包容性和包容性增长

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The paper employs the multipurpose nature of mobile telephony to investigate its welfare implications using a large sample of households in Ghana. We use seemingly unrelated probit and instrumental variable procedure to test for two related issues: First, we investigate whether mobile telephony promotes pro-poor development by helping households to efficiently allocate consumption and navigate out of poverty. Second, we analyze whether access to a broad array of financial services enhances the capacity of households to live worthwhile lives. The results show that mobile penetration and financial inclusion significantly reduce the probability of a household becoming poor and increase per capita household consumption of food and nonfood items. Our results show that the welfare benefits of mobile telephony and financial inclusion are not more pronounced in female-headed households. These insights serve as useful guide for government and other stakeholders who are looking for avenues to improve livelihoods.
机译：本文利用移动电话的多用途性质，使用加纳的大量家庭样本来研究其对福利的影响。我们使用看似无关的概率和工具变量程序来测试两个相关问题：首先，我们研究移动电话是否通过帮助家庭有效分配消费并摆脱贫困而促进了扶贫发展。其次，我们分析了获得广泛金融服务的机会是否增强了家庭过上富裕生活的能力。结果表明，移动普及率和金融包容性显着降低了家庭贫困的可能性，并增加了人均家庭食品和非食品消费。我们的结果表明，在以女性为户主的家庭中，移动电话和金融普惠的福利收益并不明显。这些见解为正在寻找改善生计途径的政府和其他利益相关者提供了有用的指导。

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