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- W3122034236 abstract "Purpose The purpose of this article is to analyze the factors that drive gender income differences among farmers in Cambodia with a focus on the role of formal credit. Design/methodology/approach To decompose the gender income gap, this article employs the Blinder–Oaxaca decomposition technique, while a two-stage least square (2SLS) regression is also employed to check the causal effect of formal credit usage on earnings. Findings Results show a positive effect of formal credit on farmers' earnings and the gender gap in formal credit usage is not found. Despite that, formal credit still contributes to the gender earnings gap with a higher return to credit usage for male farmers. This can be due to the difference in the level of education, financial literacy and other dimensions in favor of men, allowing them to use credit more effectively than women. Research limitations/implications The findings underline the importance of boosting general and financial education among female farmers in Cambodia. Meanwhile, the expansion of access to financial services for women must be accompanied by policies addressing gender gaps in other economic and social dimensions, so that women are able to reap the potential benefit of using those financial services. Originality/value Lack of research focuses on the link between the gender gap in the use of financial services and the gender income gap. The significant gender gap in returns to formal credit usage found in this study demonstrates that the benefits of gender equity in access to and usage of financial services also depend on the effects of other indicators that policymakers must be aware of." @default.
- W3122034236 created "2021-02-01" @default.
- W3122034236 creator A5010915398 @default.
- W3122034236 date "2021-01-19" @default.
- W3122034236 modified "2023-10-18" @default.
- W3122034236 title "Formal credit usage and gender income gap: the case of farmers in Cambodia" @default.
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- W3122034236 doi "https://doi.org/10.1108/afr-05-2020-0062" @default.
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