• 主题
高级搜索  >
历史搜索 清空历史
首页> 外文期刊>Review of development economics >ICT for financial access: Mobile money and the financial behavior of rural households in Uganda
【24h】

ICT for financial access: Mobile money and the financial behavior of rural households in Uganda

机译：信息通信技术用于金融获取：乌干达的移动货币和农村家庭的金融行为

获取原文
获取原文并翻译 | 示例
           
页面导航
  • 摘要
  • 著录项
  • 相似文献
  • 相关主题

摘要

Mobile money usage has expanded tremendously in Uganda, reaching over 40% of the adult population within 8 years of inception. We use data from 820 rural households to examine the effect of this financial innovation on their financial behavior. We find that using mobile money services increases the likelihood of saving, borrowing, and receiving remittances. The corresponding amounts of each service are also significantly higher among mobile money user households relative to their nonuser counterparts. We demonstrate that the mechanism of this impact is a reduction in transaction costsa combination of transportation fares and service chargesassociated with household proximity to mobile money agents. To illustrate the convenience of service proximity, we demonstrate that the household's likelihood and frequency of using mobile money services reduces with the distance to the nearest mobile money agent. This distance variable is then used to instrument for the potentially endogenous mobile money adoption. We finally perform propensity score matching to reinforce the robustness of our results; our results are consistent across all these specifications. The results imply that developing and enhancing access to and usage of pro-poor financial products could be a first step to achieving greater financial inclusion.
机译：乌干达的移动货币使用量有了极大的增长，在成立后的8年内，移动货币的使用率达到了成年人口的40％以上。我们使用来自820个农村家庭的数据来检验这种金融创新对其金融行为的影响。我们发现使用移动货币服务增加了储蓄，借贷和接收汇款的可能性。相对于非货币用户家庭，移动货币用户家庭中每种服务的相应金额也明显更高。我们证明了这种影响的机制是减少了交易成本，减少了交通费和服务费，并降低了家庭与移动货币代理商的距离。为了说明邻近服务的便利性，我们证明了家庭使用移动货币服务的可能性和频率随与最近的移动货币代理商的距离而降低。然后，使用此距离变量来检测潜在的内生移动货币采用情况。我们最终执行倾向得分匹配，以增强结果的稳健性；在所有这些规范中，我们的结果都是一致的。结果表明，发展和增加对穷人的金融产品的获取和使用可能是实现更大程度的金融包容性的第一步。

著录项

相似文献

  • 外文文献
  • 中文文献
  • 专利
获取原文

客服邮箱：kefu@zhangqiaokeyan.com

京公网安备：11010802029741号 ICP备案号：京ICP备15016152号-6 六维联合信息科技 (北京) 有限公司©版权所有

  • 客服微信

  • 服务号