Financial Inclusion: Assessing Gender Disparity in Account Ownership in West Africa

Ruth Endam Mbah


The main purpose of this study is to assess gender disparity in account ownership in West Africa. According to the World Bank 2018 report on financial inclusion, about 1.7 billion adults worldwide (31% of adults) do not have a basic transaction account and almost half of these unbanked people are women from poor households in rural areas. This study uses secondary data from the Global Findex Database to analyze 13 West African countries who were surveyed in 2011, 2014 and 2017 out of the 16 West African Countries. T-Test (Two-Sample Assuming Unequal Variances) is used to test the null hypothesis (Ho =There is no significant gender disparity in account ownership in West Africa). Base on the fact that the p-value<0.05 (0.005139596) and the t Stat> t Critical two-tail (2.785070432>2.063898562) we reject the null the hypothesis. Therefore there exist gender disparity in account ownership in west Africa.

Keywords: Financial Inclusion, Gender Disparity, Account Ownership, West Africa, Global Findex Database, Grameen Model, Financial Institutions

DOI: 10.7176/JESD/11-2-05

Publication date: January 31st 2020

Full Text: PDF
Download the IISTE publication guideline!

To list your conference here. Please contact the administrator of this platform.

Paper submission email:

ISSN (Paper)2222-1700 ISSN (Online)2222-2855

Please add our address "" into your email contact list.

This journal follows ISO 9001 management standard and licensed under a Creative Commons Attribution 3.0 License.

Copyright ©