移动货币对长期贫困和性别的影响
Tavneet Suri1,2,3,4,5, William Jack6
1Sloan School of Management, Massachusetts Institute of Technology, Cambridge, MA, USA. tavneet@mit.edu.
概括
像肯尼亚的M-PESA一样, 经济性,储蓄和女性转向商业推动了这些减贫影响.
科学领域:
- 经济学
- 发展研究
- 金融技术
背景情况:
- 移动货币服务允许通过手机进行货币交易,在肯尼亚广泛采用.
- 肯尼亚的M-PESA系统是一个著名的移动支付平台.
- 减少贫困仍然是许多地区的一个关键发展挑战.
研究的目的:
- 估计移动货币对肯尼亚贫困水平的影响.
- 分析移动货币影响金融行为和劳动力市场结果的机制.
- 评估不同类型的家庭的影响,包括由女性领导的家庭.
主要方法:
- 对家庭数据进行计量经济学分析,以估计M-PESA访问的因果关系.
- 检查消费,财务行为 (储蓄,弹性) 和劳动力市场参与的变化.
- 结果按家庭的人口统计学,特别是领导层分类.
主要成果:
- 获得M-PESA增加了人均消费,并使194,000个家庭 (占总数的2%) 脱离贫困.
- 对于由女性领导的家庭来说,影响更大.
- 移动货币的采用与提高财务性,储蓄以及女性从农业转向商业的转变有关.
结论:
- 像M-PESA这样的移动货币系统可以成为减少贫困的有效工具.
- 金融创新可以通过改善消费平滑和劳动力分配来提高经济效率.
- 支持采用移动货币的政策可能会带来重大的社会经济效益,特别是对弱势群体.
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