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

女性和男性有不同的生活经历，这最终会影响他们的财务状况。成为父母就是这样一件事，它对女性的经济能力产生了不成比例的影响——“母亲惩罚”。在父母有了第一个孩子后的几年里，男女时薪差距稳步扩大。当孩子长到20岁时，母亲的时薪比同等教育程度的父亲低30%左右（财政研究所）。最终，这会导致收入和储蓄倾向的减少，从而加剧性别储蓄差距。在女性年收入低于1万英镑的地方，养老金不是强制性的，这进一步加剧了性别养老金差距。事情不必是这样的。我们的愿景是一个母性不会对女性的经济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创造小额信贷产品，首先让妇女意识到这种惩罚，其次打破惯性障碍，使她们有能力成为克服这种惩罚的变革的一部分。

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.