Female Smallholders in the Financial Inclusion Agenda

E. Hernandez, Y. Bin-Humam, R. Ciacci, N. Benni & S. Kaaria | CGAP

This Brief explores the gender gap in financial inclusion among smallholder families in Tanzania and Mozambique through unique survey data that allow for a nationally representative look at smallholders. The analysis reveals female smallholders remain financially excluded relative to men despite women’s significant demand for financial services. This gender gap in financial inclusion is greatest in the wealthier smallholder households and suggests that even when wealth conditions improve only the male members overcome financial inclusion constraints. This highlights the importance of making sure that more adequate choices of formal financial products are available for female smallholders.

Tanzania, Mozambique, Access to Finance, Gender Finance
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