Mobile Money, Individuals' Payments, Remittances, and Investments: Evidence from the Ashanti Region, Ghana

被引：37

作者：

Apiors, Emmanuel Kwablah ^{[1
]}

Suzuki, Aya ^{[2
]}

机构：

[1] Univ Tokyo, Grad Program Sustainabil Sci Global Leadership In, Kashiwa, Chiba 2778563, Japan

[2] Univ Tokyo, Dept Int Studies, Kashiwa, Chiba 2770882, Japan

来源：

SUSTAINABILITY | 2018年 / 10卷 / 05期

关键词：

mobile money; financial inclusion; payments; investments; Ghana; PROPENSITY SCORE; FIELD EXPERIMENT; RURAL UGANDA; MISSING DATA; MICROCREDIT; RISK; IMPACTS; KENYA; POOR;

D O I：

10.3390/su10051409

中图分类号：

X [环境科学、安全科学];

学科分类号：

08 ; 0830 ;

摘要：

While many studies that are focused on mobile money concern the effects of mobile money on consumption and informal risk-sharing, little evidence is provided on how mobile money influences payments and microbusiness investment for low-income people. We estimate the effects of access to mobile money on individuals' payments and income-generating activities by using data from the Ashanti Region of Ghana. Based on propensity-score matching and propensity-score weighted regression, we find that participation in mobile money is not dependent on individuals' financial status. We also observe that mobile-money users are likely to send and receive larger volumes of payments and remittances. We further find that mobile-money users are more likely to save higher amounts, invest more in education, microbusinesses, land, and buildings, and also consume more relative to non-users.

引用

页数：26

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