The gender effect on financial inclusion : a qualitative aproache

Abstract

Senegal is a country affected by gender-based discrimination even in the banking sector. Senegalese women have less access to banking services than men. This document aims to identify the extent of the gender effects on this difference in access to financial services and to shed light on the degree of intervention of the other explanatory criteria for this access. To accomplish this task, we will carry out an analysis of the gender effects on financial inclusion. A simple logit regression model is envisaged, based on data from the demographic survey of health in Senegal in 2017 concerning a sample of 41141 adults identified during this survey.  It follows from this regression that gender certainly impacts the financial inclusion of the Senegalese population, but this impact is not statistically significant. However, access to finance is more largely explained by social characteristics such as level of education, level of well-being, access to information and geographical location of the population.