Street Food (Georgia) -- Tatiana Sharapova, 2016 CGAP Photo Contest Photo by Tatiana Sharapova, 2016 CGAP Photo Contest

Women's Financial Inclusion: Closing the Gender Gap

Despite overall progress in financial inclusion, the gender gap has remained stubbornly persistent at nine percentage points since 2011, according to Global Findex. The reasons are complex, often interwoven with greater social exclusion for women than men, and driven by social norms, which are not well understood or tackled by financial inclusion programming.

CGAP places a priority on the economic empowerment of women through financial inclusion. We are investigating what prevailing social norms constrain women’s uptake and usage of financial services, and how financial service providers and policymakers can work towards alleviating such constraints. We also look at how financial inclusion programs can incorporate gender-based insights.

Selected CGAP Blog Posts
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Funding for women's financial inclusion is on the rise, but just 10 percent of financial inclusion programs are identified as having a gender component, according to the CGAP Funders Survey.
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Millions of women are buying and selling goods online across Asia — but, at least in Bangladesh, Myanmar and Pakistan, they’re not transacting on e-commerce platforms. They’re using social platforms instead, often without digital payments.
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Financial services providers are a part of the societies in which they operate, and their decisions can bolster gender norms that restrict or expand women’s access to financial services.
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Funders must develop a deeper understanding of how to tackle social norms that restrict women's financial inclusion. Lessons from CGAP’s research in Turkey help point the way.
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Researchers can shed new light on the impact of financial inclusion on women by applying three principles in their work.
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Unless policies consider gender, we risk leaving behind the most vulnerable in society, particularly women, limiting our ability to achieve the SDGs. However, if implemented with gender in mind, the basic regulatory enablers of digital finance can increase women's financial inclusion.
FinEquity: A Global Community Convened by CGAP

 

As part of our gender work, CGAP also hosts FinEquity, a global community of practice consisting of 1,300 members, representing some 400 institutions from 70 countries. FinEquity provides facilitated platforms to share experiences, identify key challenges and discuss ways to solve problems in increasing access to and use of financial services by women. Its strategy is guided by member needs, and it currently has three working groups: Measurement and Data, Social Norms, and Technology. Learn More>>