Does country fragility differentiate the determinants of women’s financial inclusion in sub-Saharan Africa?

We use the World Bank’s Global Findex 2017 database for financial inclusion and the Fund for Peace’s Fragile States Index (FSI). The data used is on 35 countries in sub-Saharan Africa for the year 2017. Global Findex financial services data was collected by Gallup, Inc. in conjunction with the annual Gallup World Poll. Gallup conducted a global survey of at least 1,000 people in 148 economies, using nationally representative, randomly selected samples . The target population is the entire non-institutionalized civilian population, aged 15 years and older. Global Findex data are particularly well suited for measuring the gender gap in access to finance because the definition of account penetration includes only individual or joint accounts and not the use of someone else’s account. The use of savings and credit also refers to individual behaviour. This contrasts with other demand-side data on financial behaviour that measure account penetration, savings behaviour and credit use at the household level . In contrast, indicators at the individual level allow us to directly measure women’s control over their assets, an important component of economic empowerment. The Global Findex database provides a large number of indicators on financial inclusion to assess the degree of account penetration, use of financial services, goals and motivations, alternatives to formal financing, etc. The indicators are based on the Global Findex database, which provides a comprehensive set of indicators on financial inclusion. It also provides socio-demographic information: gender, age, income, education and employment.