Reyes Aterido|Thorsten Beck|Leonardo Iacovone
Access to Finance in Sub-Saharan Africa: Is There a Gender Gap?
World Bank|Tilburg University|World Bank
show existence unconditional gender gap subsaharan africa however key observable characteristics enterprises individuals taken account gender gap disappears case enterprises explain finding differences key characteristics potential selection bias case individuals lower use formal financial services women explained gender gaps dimensions related use financial services lower level income education household employment status