The Role of Gender in Agent Banking : Evidence from the Democratic Republic of Congo

The Role of Gender in Agent Banking : Evidence from the Democratic Republic of Congo

This paper uses a unique data set with 1.1 million customer transactions from a microfinance institution in the Democratic Republic of Congo from 2017 to 2018. The paper provides evidence of assortative gender matching in agent banking transactions...

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Main Authors: Chamboko, Richard, Cull, Robert, Gine, Xavier, Heitmann, Soren, Reitzug, Fabian, Van Der Westhuizen, Morne
Format: Working Paper
Language:English
Published: World Bank, Washington, DC 2020
Subjects:
GENDER
AGENT BANKING
MOBILE MONEY
MICROFINANCE INSTITUTIONS
FINANCIAL INCLUSION
Online Access:http://documents.worldbank.org/curated/en/329591603311397199/The-Role-of-Gender-in-Agent-Banking-Evidence-from-the-Democratic-Republic-of-Congo
http://hdl.handle.net/10986/34657
id okr-10986-34657
recordtype oai_dc
spelling okr-10986-346572022-09-20T00:11:00Z The Role of Gender in Agent Banking : Evidence from the Democratic Republic of Congo Chamboko, Richard Cull, Robert Gine, Xavier Heitmann, Soren Reitzug, Fabian Van Der Westhuizen, Morne GENDER AGENT BANKING MOBILE MONEY MICROFINANCE INSTITUTIONS FINANCIAL INCLUSION This paper uses a unique data set with 1.1 million customer transactions from a microfinance institution in the Democratic Republic of Congo from 2017 to 2018. The paper provides evidence of assortative gender matching in agent banking transactions, as clients prefer to transact with agents of their own gender. Female clients show a robust preference for female agents even when they are less available, particularly when making high-value transactions and when they have higher account balances. The underrepresentation of female agents may contribute to the persistent gender gap in financial access and usage. 2020-10-22T18:19:31Z 2020-10-22T18:19:31Z 2020-10 Working Paper http://documents.worldbank.org/curated/en/329591603311397199/The-Role-of-Gender-in-Agent-Banking-Evidence-from-the-Democratic-Republic-of-Congo http://hdl.handle.net/10986/34657 English Policy Research Working Paper;No. 9449 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 Congo, Democratic Republic of
repository_type Digital Repository
institution_category Foreign Institution
institution Digital Repositories
building World Bank Open Knowledge Repository
collection World Bank
language English
topic GENDER
AGENT BANKING
MOBILE MONEY
MICROFINANCE INSTITUTIONS
FINANCIAL INCLUSION
spellingShingle GENDER
AGENT BANKING
MOBILE MONEY
MICROFINANCE INSTITUTIONS
FINANCIAL INCLUSION
Chamboko, Richard
Cull, Robert
Gine, Xavier
Heitmann, Soren
Reitzug, Fabian
Van Der Westhuizen, Morne
The Role of Gender in Agent Banking : Evidence from the Democratic Republic of Congo
geographic_facet Africa
Congo, Democratic Republic of
relation Policy Research Working Paper;No. 9449
description This paper uses a unique data set with 1.1 million customer transactions from a microfinance institution in the Democratic Republic of Congo from 2017 to 2018. The paper provides evidence of assortative gender matching in agent banking transactions, as clients prefer to transact with agents of their own gender. Female clients show a robust preference for female agents even when they are less available, particularly when making high-value transactions and when they have higher account balances. The underrepresentation of female agents may contribute to the persistent gender gap in financial access and usage.
format Working Paper
author Chamboko, Richard
Cull, Robert
Gine, Xavier
Heitmann, Soren
Reitzug, Fabian
Van Der Westhuizen, Morne
author_facet Chamboko, Richard
Cull, Robert
Gine, Xavier
Heitmann, Soren
Reitzug, Fabian
Van Der Westhuizen, Morne
author_sort Chamboko, Richard
title The Role of Gender in Agent Banking : Evidence from the Democratic Republic of Congo
title_short The Role of Gender in Agent Banking : Evidence from the Democratic Republic of Congo
title_full The Role of Gender in Agent Banking : Evidence from the Democratic Republic of Congo
title_fullStr The Role of Gender in Agent Banking : Evidence from the Democratic Republic of Congo
title_full_unstemmed The Role of Gender in Agent Banking : Evidence from the Democratic Republic of Congo
title_sort role of gender in agent banking : evidence from the democratic republic of congo
publisher World Bank, Washington, DC
publishDate 2020
url http://documents.worldbank.org/curated/en/329591603311397199/The-Role-of-Gender-in-Agent-Banking-Evidence-from-the-Democratic-Republic-of-Congo
http://hdl.handle.net/10986/34657
_version_ 1764481370528153600

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