This paper examines the status and determinants of gender disparities in financial inclusion using a sample of 4,466 individuals from the Finscope survey in Tanzania. The results provide evidence to support gender disparities in financial inclusion, mostly pronounced in formal savings (21.3%), formal accounts (10.6%) and mobile money accounts (9.4%). This is reflected in 17.1% less likelihood of female ownership of a formal savings account but a 2% higher likelihood to access formal credit. Finally, the paper documents evidence that gender disparities in financial inclusion are explained by lower levels of education, income and over‐dependence of women on men. The findings support gender mainstreaming in other sectors to increase employment and education for women to close the gender gap in financial access.

中文翻译：

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金融普惠中的性别差异：坦桑尼亚的见解

本文使用来自坦桑尼亚Finscope调查的4466名个人样本，考察了金融包容性中性别差异的现状和决定因素。结果提供了证据，以支持金融普惠制中的性别差异，其中主要体现在正式储蓄（21.3％），正式账户（10.6％）和移动货币账户（9.4％）。女性拥有正式储蓄帐户的可能性降低了17.1％，而获得正式信贷的可能性则增加了2％，这反映了这一点。最后，该文件证明，金融普及程度中的性别差异是由较低的教育水平，收入和女性对男性的过度依赖所造成的。调查结果支持将性别观点纳入其他部门的主流，以增加妇女的就业和教育水平，以缩小获得资金方面的性别差距。