NDLI: Gender Gap in Mobile-Banking Use in Rural Northern Bangladesh

Content Provider	AgEcon Search
Author	Chitose, Atsushi Kusadokoro, Motoi Islam, Farhana
Editor	Habito, Cielito F.
Abstract	Mobile banking (M-bank), a newly introduced technology, can improve women’s access to financial services. This study empirically estimates the effect of a husband’s and wife’s socioeconomic characteristics, relative differences in age and education, and household characteristics on M-bank use in northern Bangladesh, exploring the presence and possible effect of the gender gap between husband and wife. A couple’s relative differences in age or education can function as a proxy to capture the wife’s M-bank use, thereby, her financial responsibilities in the household. The empirical evidence is based on a two-equation probit estimation that predicts the possible determinants of M-bank use by husbands and wives. M-bank use of husbands and wives differed remarkably, with wife to husband ratio of 4:15. Households were categorized into three subgroups: wife user, husband user, and nonuser. Results show that a husband’s level of education, having his own business, and having a migrant family member within the household have a statistically significant positive effect on the likelihood of him using M-bank. On the other hand, a wife with an education level higher than that of her husband’s has a significant positive effect on the likelihood of her using M-bank. A substantial gender gap in M-bank use, favoring husbands, was observed in most couples where the husband has more schooling than the wife and vice versa. The impact of M-bank use must be critically studied, focusing on the couple’s relative status due to the gender gap in educational attainment and positive relative characteristics of couples in patriarchal, Islamic, rural settings in Bangladesh.
Related Links	https://ageconsearch.umn.edu/record/329892/files/06_Gender%20gap%20in%20M-banking_Islam%20et%20al.pdf
Ending Page	91
Starting Page	74
File Format	PDF
ISSN	16564383
DOI	10.22004/ag.econ.329892
Journal	Asian Journal of Agriculture and Development
Issue Number	2
Volume Number	19
Language	English
Publisher	Southeast Asian Regional Center for Graduate Study and Research in Agriculture (SEARCA)
Publisher Date	2022-12-23
Access Restriction	Open
Subject Keyword	Applied Economics Agricultural Economics Agri-economic Open Access Database Research in Applied Economics Research in Agricultural Economics Higher Study On Agricultural Economics Higher Study On Applied Economics Agricultural Research Documents Agrarian Economy & Research Higher Study Agri-economics Research in Economics Agri-economic Open Access Repository Statistics in Agricultural Economics Financial Inclusion, Mobile Banking, Northern Bangladesh, Wife's Responsibilities Financial Inclusion Mobile Banking Northern Bangladesh Wife's Responsibilities Agricultural Finance
Content Type	Text
Resource Type	Article
Subject	Economics, Econometrics and Finance

Sl.	Authority	Responsibilities	Communication Details
1	Ministry of Education (GoI), Department of Higher Education	Sanctioning Authority	https://www.education.gov.in/ict-initiatives
2	Indian Institute of Technology Kharagpur	Host Institute of the Project: The host institute of the project is responsible for providing infrastructure support and hosting the project	https://www.iitkgp.ac.in
3	National Digital Library of India Office, Indian Institute of Technology Kharagpur	The administrative and infrastructural headquarters of the project	Dr. B. Sutradhar bsutra@ndl.gov.in
4	Project PI / Joint PI	Principal Investigator and Joint Principal Investigators of the project	Dr. B. Sutradhar bsutra@ndl.gov.in Prof. Saswat Chakrabarti will be added soon
5	Website/Portal (Helpdesk)	Queries regarding NDLI and its services	support@ndl.gov.in
6	Contents and Copyright Issues	Queries related to content curation and copyright issues	content@ndl.gov.in
7	National Digital Library of India Club (NDLI Club)	Queries related to NDLI Club formation, support, user awareness program, seminar/symposium, collaboration, social media, promotion, and outreach	clubsupport@ndl.gov.in
8	Digital Preservation Centre (DPC)	Assistance with digitizing and archiving copyright-free printed books	dpc@ndl.gov.in
9	IDR Setup or Support	Queries related to establishment and support of Institutional Digital Repository (IDR) and IDR workshops	idr@ndl.gov.in

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