Knowledge, Access, and Decision-Making: Women’s Financial Inclusion In Pakistan
Knowledge, Access, and Decision-Making: Women’s Financial Inclusion In Pakistan
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DOI：
10.1145/3209811.3209819
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发表时间：
2018-06-20
期刊：
影响因子：
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通讯作者：
Anderson R
中科院分区：
文献类型：
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作者：
Ibtasam S;Razaq L;Anwar HW;Mehmood H;Shah K;Webster J;Kumar N;Anderson R
在资源有限的经济体中，缺乏金融参与阻碍了妇女的经济赋权和改善环境的机会。 随着数字金融服务 (DFS) 的出现，人们越来越重视 DFS 对个人生活可能产生的积极影响。然而，人们要理解、采用和使用 DFS，需要一定的先决条件和推动因素。在本文中，我们使用混合方法来分析 DFS 准备和采用中的性别障碍，以及性别角色在减少或增强 DFS 方面的影响。我们对 51 次半结构化访谈进行了分析，以评估资金的承受能力（或缺乏能力）、交易权威、技术设备的获取以及社会和文化流动性——所有这些都是充分利用 DFS 的先决条件。我们讨论了巴基斯坦的社会文化和宗教背景，这些背景构成了一些性别障碍以及男性和女性的看法。
In resource-constrained economies, lack of financial participation prohibits women’s economic empowerment and opportunities to improve circumstances. With the advent of Digital Financial Services (DFS), a growing emphasis has been placed on the possible positive impact of DFS on lives of individuals. However, for people to understand, adopt, and use DFS, they require certain prerequi-sites and enablers. In this paper, we use a mixed methods approach to analyze the gendered barriers in the readiness for and adoption of DFS as well as the impact of gendered roles in curtailing or enhancing the same. We present our analysis of 51 semi-structured interviews to evaluate the affordances or, lack thereof, in afford-ability of funds, authority of transactions, access to technological devices, and agency of social and cultural mobility–all of which are prerequisites to fully utilizing DFS. We discuss the sociocultural and religious context in Pakistan that underpins some of these gendered barriers and the perceived views of both men and women.