Feasibility study: Maternity finances product as a trigger to improve women's financial resilience

可行性研究：生育理财产品作为提高女性财务弹性的触发因素

• 批准号: 74157
• 金额: $ 5.23万
• 依托单位: HERA MONEY LTD
• 依托单位国家: 英国
• 项目类别: Study
• 财政年份: 2020
• 资助国家: 英国
• 起止时间: 2020 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=74157
• 关键词: Feasibility; study; Maternity; finances; product

Women and men have different life experiences - which ultimately impact on their finances. Becoming a parent is one such event which disproportionately impacts women's financial capabilities - the 'motherhood penalty'.The gap between male and female hourly earnings grows steadily in the years after parents have their first child. By the time this child reaches 20, mothers earn about 30% less per hour than similarly educated fathers (Institute of Fiscal Studies).Ultimately, this leads to reduced income and propensity to save, feeding into the Gender Savings Gap. Where women earn less than £10k per year, pension payments are not compulsory, further contributing to the Gender Pension Gap.It does not have to be like this.Our vision is a world where motherhood does not negatively impact a woman's financial capability. Our mission is to create microfinance products designed around women's specific needs and behaviours, which firstly make women aware of this penalty, and secondly break down the inertia barriers, so that they are empowered to be part of the change to overcome it.

女性和男性有着不同的生活经历，这最终会影响他们的财务状况。成为父母就是这样一个对妇女的经济能力产生不成比例影响的事件-“母性惩罚”。在父母有了第一个孩子后的几年里，男女每小时收入的差距稳步扩大。当这个孩子长到20岁时，母亲每小时的收入比受过同样教育的父亲少30%（财政研究所），最终导致收入和储蓄倾向下降，加剧了性别储蓄差距。在女性年收入低于1万英镑的地方，养老金支付不是强制性的，这进一步加剧了性别养老金差距。事实并非如此。我们的愿景是建立一个母亲身份不会对女性的财务能力产生负面影响的世界。我们的使命是围绕妇女的具体需求和行为设计小额信贷产品，首先使妇女认识到这一惩罚，其次打破惯性障碍，使她们有能力成为克服这一障碍的变革的一部分。