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

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%)

True or false

In Pakistan, an equal proportion of women under the age of 25 years and above the age of 25 are financially included.

False

True or false

In Nigeria, women’s access to mobile money is the roughly same as men’s access to mobile money.

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%)

True or false

India has a lower proportion of women in poverty than men in poverty.

False

In Uganda, what is the gender gap in financial inclusion?

A. 21%
B. 32%
C. 6%
D. 15%
D. 15%