The Gender Gap in the Use of Financial Services in Turkey

Klapper, Leora ; Singh, Sandeep

World Bank, Washington, DC

关键词: gender gap;    gender inequality;    financial literacy;    access to finance;   

RP-ID  :  102017

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

The reach of the financial sector inTurkey is wide - as measured by account penetration, use ofelectronic payments, and credit card ownership - relative toboth developing and high-income countries. The gender gap inTurkey for account ownership is 49 percentage points, thehighest rate among all middle-income countries. This paperdiscusses environmental factors that may help explain thesignificantly low use of financial services by women inTurkey. The authors explore reasons for the large gender gapin financial inclusion in Turkey and find that femaleworkplace participation is an important factor in explainingfinancial inclusion among women. Men are more than threetimes as likely as women to report using an account toreceive money from work and or the government. This paper isorganized as follows: section one gives introduction.Section two summarizes account ownership and usage inTurkey. Section three analyzes formal and informal savingrates, section four discusses the use of formal and informalcredit and the high use of store credit cards. Section fiveexamines gender differences in enterprise financing.