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Financial Inclusion, Shocks, and Poverty: Evidence from the Expansion of Mobile Money in Tanzania

Financial Inclusion, Shocks, and Poverty: Evidence from the Expansion of Mobile Money in Tanzania <p>ABSTRACT:</p><p>We estimate the effect of mobile money adoption on consumption smoothing, poverty, and human capital investments in Tanzania. We exploit the rapid expansion of the mobile money agent network between 2010 and 2012 and use this together with idiosyncratic shocks from variation in rainfall over time and across space in a difference-in-difference framework. We find that adopter households are able to smooth consumption during periods of shocks and maintain their investments in human capital. Results on time use of children and labor force participation complement the findings on the important role of mobile money for the intergenerational transmission of poverty.</p> http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png Journal of Human Resources University of Wisconsin Press

Financial Inclusion, Shocks, and Poverty: Evidence from the Expansion of Mobile Money in Tanzania

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Publisher
University of Wisconsin Press
Copyright
Copyright © Board of Regents of the University of Wisconsin System
ISSN
1548-8004

Abstract

<p>ABSTRACT:</p><p>We estimate the effect of mobile money adoption on consumption smoothing, poverty, and human capital investments in Tanzania. We exploit the rapid expansion of the mobile money agent network between 2010 and 2012 and use this together with idiosyncratic shocks from variation in rainfall over time and across space in a difference-in-difference framework. We find that adopter households are able to smooth consumption during periods of shocks and maintain their investments in human capital. Results on time use of children and labor force participation complement the findings on the important role of mobile money for the intergenerational transmission of poverty.</p>

Journal

Journal of Human ResourcesUniversity of Wisconsin Press

Published: Mar 3, 2022

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