Access to Finance – Mind the Gender Gap

30 Pages Posted: 7 Feb 2018

See all articles by Hanan Morsy

Hanan Morsy

The African Development Bank; Economic Research Forum (EFR)

Hoda Youssef

World Bank

Multiple version iconThere are 2 versions of this paper

Date Written: July 6, 2017


This paper looks at the impediments women face, compared with men, when trying to access finance. It pays particular attention to the structure of the banking system and women’s socio-economic participation. Our results suggest that women are more likely to be excluded from the formal financial sector in countries where laws and norms discriminate against women, where women have a lower participation in the labour market, and where state-owned banks have a big share in the banking system.

Keywords: gender gap, financial inclusion, access to finance

JEL Classification: E02, G20, P34

Suggested Citation

Morsy, Hanan and Youssef, Hoda, Access to Finance – Mind the Gender Gap (July 6, 2017). EBRD Working Paper No. 202, Available at SSRN: or

Hanan Morsy (Contact Author)

The African Development Bank ( email )

Rue Joseph Anoma
Abidjan, Ivory Coast 01 BP 1387
Ivory Coast (Cote D'ivoire)


Economic Research Forum (EFR) ( email )

21 Al-Sad Al-Aaly St.
(P.O. Box: 12311)
Dokki, Cairo

Hoda Youssef

World Bank ( email )

1818 H Street, NW
Washington, DC 20433
United States

Do you have a job opening that you would like to promote on SSRN?

Paper statistics

Abstract Views
PlumX Metrics