Mobile Telephony, Financial Inclusion and Inclusive Growth

Author: 
Abor, Joshua Yindenaba
Responsibility: 
Amidu Mohammed, jt. author
Issahaku Haruna, jt. author
Place: 
Oxon
Publisher: 
Taylor & Francis Group
Date published: 
2018
Record type: 
Journal Title: 
Journal of African Business
Source: 
Journal of African Business Vol 19 No 3 August 2018 pp. 430-453
Abstract: 

The paper employs the multipurpose nature of mobile telephony to investigate its welfare implications using a large sample of households in Ghana. We use seemingly unrelated probit and instrumental variable procedure to test for two related issues: First, we investigate whether mobile telephony promotes pro-poor development by helping households to efficiently allocate consumption and navigate out of poverty. Second, we analyze whether access to a broad array of financial services enhances the capacity of households to live worthwhile lives. The results show that mobile penetration and financial inclusion significantly reduce the probability of a household becoming poor and increase per capita household consumption of food and non-food items. Our results show that the welfare benefits of mobile telephony and financial inclusion are not more pronounced in female-headed households. These insights serve as useful guide for government and other stakeholders who are looking for avenues to improve livelihoods.

Language: 

CITATION: Abor, Joshua Yindenaba. Mobile Telephony, Financial Inclusion and Inclusive Growth . Oxon : Taylor & Francis Group , 2018. Journal of African Business Vol 19 No 3 August 2018 pp. 430-453 - Available at: http://library.africa-union.org/mobile-telephony-financial-inclusion-and-inclusive-growth

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