Mobile Money and Investment by Women Businesses in Sub-Saharan Africa
This study connects two important findings in Sub-Saharan Africa. First, digital technologies such as mobile money have become widespread and have increased investment by businesses, especially in East Africa. Second, women-owned business in the re...
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| Format: | Working Paper |
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World Bank, Washington, DC
2020
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| Online Access: | http://documents.worldbank.org/curated/en/708761595864639868/Mobile-Money-and-Investment-by-Women-Businesses-in-Sub-Saharan-Africa http://hdl.handle.net/10986/34256 |
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okr-10986-342562022-09-20T00:11:14Z Mobile Money and Investment by Women Businesses in Sub-Saharan Africa Islam, Asif Muzi, Silvia MOBILE MONEY GENDER FEMALE ENTREPRENEURS FINANCIAL DEVELOPMENT INVESTMENT FIRMS WOMEN ENTREPRENEURS FEMALE-OWNED BUSINESS INFORMATION AND COMMUNICATION TECHNOLOGY ACCESS TO FINANCE BUSINESS SERVICES FINTECH This study connects two important findings in Sub-Saharan Africa. First, digital technologies such as mobile money have become widespread and have increased investment by businesses, especially in East Africa. Second, women-owned business in the region significantly lag their male counterparts in capital investments. Using data for 16 Sub-Saharan African economies, the study connects the two findings by exploring whether mobile money use by women-owned firms increases their investment. The findings indicate that the positive relationship between mobile money use and investment is largely driven by women-owned firms and is statistically insignificant for men-owned firms. Potential channels of these effects are explored. Women-owned firms that use mobile money to transact with suppliers are more likely to invest. Mobile money also seems to facilitate greater provision of customer credit and generally greater demand for more credit by women-owned firms. Such patterns are not observed for men-owned firms. 2020-07-30T15:41:27Z 2020-07-30T15:41:27Z 2020-07 Working Paper http://documents.worldbank.org/curated/en/708761595864639868/Mobile-Money-and-Investment-by-Women-Businesses-in-Sub-Saharan-Africa http://hdl.handle.net/10986/34256 English Policy Research Working Paper;No. 9338 CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo World Bank World Bank, Washington, DC Publications & Research Publications & Research :: Policy Research Working Paper Africa Sub-Saharan Africa |
| repository_type |
Digital Repository |
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Foreign Institution |
| institution |
Digital Repositories |
| building |
World Bank Open Knowledge Repository |
| collection |
World Bank |
| language |
English |
| topic |
MOBILE MONEY GENDER FEMALE ENTREPRENEURS FINANCIAL DEVELOPMENT INVESTMENT FIRMS WOMEN ENTREPRENEURS FEMALE-OWNED BUSINESS INFORMATION AND COMMUNICATION TECHNOLOGY ACCESS TO FINANCE BUSINESS SERVICES FINTECH |
| spellingShingle |
MOBILE MONEY GENDER FEMALE ENTREPRENEURS FINANCIAL DEVELOPMENT INVESTMENT FIRMS WOMEN ENTREPRENEURS FEMALE-OWNED BUSINESS INFORMATION AND COMMUNICATION TECHNOLOGY ACCESS TO FINANCE BUSINESS SERVICES FINTECH Islam, Asif Muzi, Silvia Mobile Money and Investment by Women Businesses in Sub-Saharan Africa |
| geographic_facet |
Africa Sub-Saharan Africa |
| relation |
Policy Research Working Paper;No. 9338 |
| description |
This study connects two important
findings in Sub-Saharan Africa. First, digital technologies
such as mobile money have become widespread and have
increased investment by businesses, especially in East
Africa. Second, women-owned business in the region
significantly lag their male counterparts in capital
investments. Using data for 16 Sub-Saharan African
economies, the study connects the two findings by exploring
whether mobile money use by women-owned firms increases
their investment. The findings indicate that the positive
relationship between mobile money use and investment is
largely driven by women-owned firms and is statistically
insignificant for men-owned firms. Potential channels of
these effects are explored. Women-owned firms that use
mobile money to transact with suppliers are more likely to
invest. Mobile money also seems to facilitate greater
provision of customer credit and generally greater demand
for more credit by women-owned firms. Such patterns are not
observed for men-owned firms. |
| format |
Working Paper |
| author |
Islam, Asif Muzi, Silvia |
| author_facet |
Islam, Asif Muzi, Silvia |
| author_sort |
Islam, Asif |
| title |
Mobile Money and Investment by Women Businesses in Sub-Saharan Africa |
| title_short |
Mobile Money and Investment by Women Businesses in Sub-Saharan Africa |
| title_full |
Mobile Money and Investment by Women Businesses in Sub-Saharan Africa |
| title_fullStr |
Mobile Money and Investment by Women Businesses in Sub-Saharan Africa |
| title_full_unstemmed |
Mobile Money and Investment by Women Businesses in Sub-Saharan Africa |
| title_sort |
mobile money and investment by women businesses in sub-saharan africa |
| publisher |
World Bank, Washington, DC |
| publishDate |
2020 |
| url |
http://documents.worldbank.org/curated/en/708761595864639868/Mobile-Money-and-Investment-by-Women-Businesses-in-Sub-Saharan-Africa http://hdl.handle.net/10986/34256 |
| _version_ |
1764480515009675264 |