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26 avril 2017
- handle: 10670/1.aclu8k
- hal: hal-01591200
info:eu-repo/semantics/OpenAccess
Mots-clés
financial inclusion saving Kenya mobile financial services M-PESA E - Macroeconomics and Monetary Economics/E.E2 - Consumption, Saving, Production, Investment, Labor Markets, and Informal Economy/E.E2.E21 - Consumption • Saving • WealthSujets proches
Labor and laboring classes Womyn Wimmin Woman Womon Human females Fortunes Riches Affluence Distribution of wealth Impoverished people Disadvantaged, Economically Low-income people Poor people Pauperism Poor--Economic conditions Poor, The Economically disadvantaged Papers Public markets Funds Funding Fugio cent Finance, commerce, confiscations, etc Women's work Methods of analysis Analysis and chemistry Analytical methods Chemical analysis Analysis methods Analysis and examinationCiter ce document
Antoine Dubus et al., « M-PESA and financial inclusion in Kenya: of paying comes saving? », HAL-SHS : économie et finance, ID : 10670/1.aclu8k
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Résumé
Mobile financial services are said to promote inclusion. However, only 7.6 per cent of Kenyans have ever saved on an M-PESA account. This paper uses a novel, three-step probit analysis to identify the socio-demographic characteristics of, successively, respondents who do not have access to a SIM card, have access to a SIM but do not have an M-PESA account, and, finally, have an account but do not save on it. We find that those who are left behind arepredominantly those who would benefit most from formal saving, namely the poor, the non-educated, and, in the final step, also women.