Financial inclusion, shocks and coping strategies: survey evidence from Uganda
Financial inclusion, shocks and coping strategies: survey evidence from Uganda
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DOI：
10.1108/ajems-10-2018-0325
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发表时间：
2019-09-02
影响因子：
1.3
通讯作者：
Mawejje, Joseph
中科院分区：
文献类型：
--
作者：
Mawejje, Joseph
本文的目的是研究获得正式和非正式金融以及移动货币在促进家庭采取应对策略选择方面的作用。设计/方法/方法研究方法考虑了对协变量向量上每种应对策略的二元结果最大似然概率模型的估计，协变量包括金融包容性、家庭特征和社区变量的测量。作者发现，金融普惠与采用以市场为导向的策略（如出售资产或借款）的可能性较高以及采用非市场策略（如依赖非正式网络和减少消费）的可能性较低相关。就作者所知，本文提供了第一个实证尝试，通过细致入微的家庭数据来检验金融普惠可能促进应对策略选择的途径。
Purpose The purpose of this paper is to investigate the roles that access formal and informal finance as well as mobile money play in facilitating the choice of coping strategies that households adopt. Design/methodology/approach The research methodology considers the estimation of binary outcome maximum likelihood probit models for each coping strategy on a vector of covariates that include measures of financial inclusion, household characteristics and community variables. Findings The author finds that financial inclusion is associated with a higher likelihood of adopting market-oriented strategies such as selling assets or borrowing and lower likelihood for non-market strategies such as reliance on informal networks and reducing consumption. Originality/value To the best of the author's knowledge, this paper provides the first empirical attempt examining the pathways through which financial inclusion may facilitate the choice of coping strategies using nuanced household data.