Financial inclusion (FI) is critical to achieving the Sustainable Development Goals, particularly zero poverty, gender equality, and reduced inequalities, but there is limited evidence of its impacts on household welfare in fragile and post-conflict countries (FPCCs). This study analyses the impact of FI on household welfare in Liberia using the Liberian Household Income and Expenditure Survey of 2016–2017. For the empirical analysis, we use an inverse probability-weighted regression adjustment model and separate analyses for male-headed households (MHHs) and female-headed households (FHHs) to identify possible gender differences. We find that using mobile money statistically significantly increases household food security for MHHs and FHHs. In particular, the welfare impact is greater for MHHs in terms of food availability, while in relation to food quality and dietary diversity, the impact is greater for FHHs. These findings show the need to scale up FI in FPCCs as a catalyst for improving household welfare.

中文翻译：

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普惠金融对利比里亚家庭福利的影响：性别视角

金融普惠（FI）对于实现可持续发展目标至关重要，特别是零贫困、性别平等和减少不平等，但其对脆弱和冲突后国家（FPCC）家庭福利的影响的证据有限。本研究利用 2016-2017 年利比里亚家庭收入和支出调查分析了金融机构对利比里亚家庭福利的影响。在实证分析中，我们使用逆概率加权回归调整模型，并对男户主家庭（MHH）和女户主家庭（FHH）进行单独分析，以确定可能的性别差异。我们发现，从统计数据来看，使用移动货币可以显着提高 MHH 和 FHH 的家庭粮食安全。特别是，就食物供应而言，MHH 的福利影响更大，而就食品质量和饮食多样性而言，对FHH的影响更大。这些发现表明，需要扩大 FPCC 的金融投资规模，作为改善家庭福利的催化剂。