Gender and Microcredit in Sub-Saharan Africa

Juliet U. Elu


As access to credit can be important determinant of inequality, this paper considers if gender matters for the use of microcredit and social lending in Sub-Saharan Africa. Even though there are mixed result on the impact of microcredit on economic growth and poverty reduction, many see Microcredit as a mechanism to alleviate poverty and promote economic growth in SSA.  With household level diaries data on financial activities in Mozambique and Tanzania, we estimate latent variable specifications of proxies for microcredit as a function of gender. Our estimates will inform the extent to which access to microcredit is conditioned on gender, and a potential driver of gender inequality in Sub-Saharan Africa.

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