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Citation Information

Type Working Paper
Title Gender, MicroCredit, And MacroCredit In Sub-Saharan Africa: The Case Of Mozambican Smallholder Households
Publication (Day/Month/Year) 2017
Among countries in Sub-Saharan Africa, Mozambique ranks among the highest with respect to gender inequality. As genderized access to microcredit can be a driver of gender inequality in general, this paper considers how gender conditions access to, and utilization of microcredit and macrocredit in Mozambique. With diary data on financial activities among individuals in Mozambican smallholder households, we estimate the quantile treatment effect of being a woman on the utilization of microcredit and macrocredit. Methodologically, our quantile treatment framework enables an analysis of loan size based upon the actual size distribution of monetary loans among smallholder households in Mozambique. Our parameter estimates reveal that being a woman in Mozambique has a positive treatment effect on two types of informal loans in both the bottom and top quantiles of the loan size distribution. This suggests that in Mozambique, both microcredit and macrocredit are available to empower women, which can catalyze gender-inclusive economic growth and development.

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