Gender

Government initiatives and technological advancements have helped to make large numbers of consumers financially included, but that number includes more men than women. Women lag behind men in use of financial tools and mechanisms across every measure, including mobile phone ownership, mobile money use, and bank account ownership. The disparity can be great—as it is in Pakistan, where a women is 42 points less likely than a man to own a phone—or relatively contained, such as Kenya’s a six-point gender gap in mobile money usage.  Opening the financial services world to women means greater independence and economic stability for them and their families. Closing the gender gap requires motivating women to adopt financial mechanisms at a rate more rapid than their male counterparts; otherwise, the gap will persist even if usage grows. FII’s annual surveys will continue to track and measure the trend in financial inclusion for women across FII countries.

Financial Inclusion and Gender

FINANCIALLY INCLUDED MEN AND WOMEN
FINANCIALLY INCLUDED RURAL MEN AND WOMEN
FINANCIALLY INCLUDED URBAN MEN AND WOMEN
79% of Kenyan women 25 or older are financially included.

Use of Mobile Phones for Advanced Functions

By Gender
72% of rural Nigerian women own mobile phones.

Financial Numeracy and Gender

FINANCIAL NUMERACY

True or false

Looking at the South Asian FII countries, Bangladesh has a higher percentage of women with active digital stored-value accounts than Pakistan or India.

False

Which country witnessed the greatest decline in mobile phone ownership between 2013 and 2015?

A. Uganda
B. Pakistan
C. Nigeria
D. Kenya
A. Uganda (7%)

What percentage of Bangladeshi women are aware of mobile money?

A. 19%
B. 37%
C. 55%
D. 88%
D. 88%

True or false

Among FII countries, Nigeria has the highest proportion of mobile phone ownership among women.

True

Which FII country has the highest percentage of digitally included women?

A. Nigeria (28%)
B. Bangladesh (12%)
C. Tanzania (58%)
D. Kenya (65%)
D. Kenya (65%)

In Kenya, what percentage of female mobile money account users have conducted an advanced function in the past year?

A. 90%
B. 48%
C. 57%
D. 38%
B. 48%