M-PESA and Financial Inclusion in Kenya: Of Paying Comes Saving?
M-PESA and Financial Inclusion in Kenya: Of Paying Comes Saving?
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M-PESA 和肯尼亚的金融包容性：支付带来储蓄？
作者：
Leo Van Hove;Antoine Dubus
据说肯尼亚的M-PESA等移动的金融服务促进了包容性。然而，在2013年金融包容性洞察数据集中，只有7.6%的肯尼亚人曾经使用过M-PESA账户为未来的购买储蓄。本文采用了一种新的，三步概率分析，以确定社会人口特征，先后，受访者谁没有访问SIM卡，有访问SIM卡，但没有一个M-PESA帐户，最后，有一个帐户，但不保存在it. We发现，那些谁是在早期阶段被排除在外的主要是穷人，非教育，和女性。在最后一个阶段，我们发现那些有能力在手机上省钱的人手机所有者，受教育程度较高的人不太可能这样做。这些结果与传统上关于移动的储蓄是实现金融包容性的主要途径的乐观论述背道而驰。因此，我们的研究结果证实了定性研究，表明肯尼亚人有其他需求，并希望他们的钱流通和“工作”。
Mobile financial services such as M-PESA in Kenya are said to promote inclusion. Yet only 7.6 per cent of the Kenyans in the 2013 Financial Inclusion Insights dataset have ever used an M-PESA account to save for a future purchase. 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 excluded in the early stages are predominantly poor, non-educated, and female. For the final stage, we find that those who are in a position to save on their phone—the phone owners, the better educated—are less likely to do so. These results go against the traditional optimistic discourse on mobile savings as a prime path to financial inclusion. As such, our findings corroborate qualitative research that indicates that Kenyans have other needs, and want their money to circulate and ‘work’.
使其个性化：订单农业实验中的违规和私人订购
影响因子：
3.4
作者：
M. Wollni;C. Keser
通讯作者：
C. Keser