Financial Inclusion in Papua New Guinea
Heads of Households
HoH Sample
(1)
age
HH_has_acct
0.00417*
(0.00247)
(2)
(3)
(4)
HH_has_acct HH_has_acct HH_has_acct
0.00388
0.00315
(0.00246) (0.00240)
0.00289
(0.00238)
HOHgender
-0.199**
-0.255***
-0.236**
(0.0936)
(0.0893)
(0.0965)
-0.290*
(0.0917)
primary
0.102*
0.123**
0.0445
(0.0589)
(0.0580)
(0.0583)
0.0672
(0.0581)
secondary
0.396***
0.376***
0.234**
0.225**
(0.0889)
(0.0875)
(0.105)
(0.104)
tertiary
0.397***
0.354***
0.252**
0.218**
(0.0836)
(0.0818)
(0.0978)
(0.0961)
monthlyinc 0.000130*** 0.000120*** 0.000111*** 0.000102***
(0.0000289) (0.0000255) (0.0000301) (0.0000267)
0.0146
0.0163
0.0159
(0.0105) (0.0103) (0.0103)
hhmembers
0.0149
(0.0106)
urban
0.245***
0.188**
(0.0836)
(0.0836)
0.202**
(0.0843)
0.149*
(0.0843)
Dist Dummy
-0.0590***
-0.0586***
(0.0135)
(0.0134)
english
0.216***
0.202***
(0.0730)
(0.0716)
_cons
0.0435
0.196
0.0936
0.245*
(0.141)
(0.138)
(0.141)
N
287
287
283
(0.138)
283
.PNG has both matrilineal and
patrilineal societies.
Our 2-obs per HH dataset
allows us to analyze the effect of
the HoH's gender on financial
inclusion of the household.
• Households headed by a male
are btwn 20% and 30% less
likely to be financially included
Standard errors in parentheses
* p < 0.10, ** p < 0.05, *** p < 0.01
Davies & Nettuno
590
Financial Inclusion in Papua New Guinea
August 4, 2022
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