There is a large body of work documenting the non-consensual effects of financial access on income inequality. Despite this extensive literature and the predominance of ethnic fragmentation in Sub Saharan Africa countries (SSA), little is known about its mediating effect on the above relation. This paper focuses on assessing the effect of ethnic fragmentation on financial access income inequality nexus. Based on Kripfganz and Schwarz's (2019) dynamic panel estimator of time-invariant variables in a sample of thirty-seven (37) SSA countries over the period of 1990–2019, it is observed that ethnic fragmentation hinders financial access to reduce inequality in SSA. The results remain stable following several sensitivity tests related to corruption, urbanization, financial literacy and socio-geographic factors. They are also robust to the use of alternative measures of financial access and to change estimation technique.

中文翻译：

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撒哈拉以南非洲的金融准入和收入不平等：种族分裂是否提供了新的证据？

有大量的工作记录了金融准入对收入不平等的非自愿影响。尽管有大量文献，而且撒哈拉以南非洲国家（SSA）种族分裂现象普遍存在，但人们对其对上述关系的中介作用知之甚少。本文重点评估种族分裂对金融准入收入不平等关系的影响。根据 Kripfganz 和 Schwarz (2019) 对 1990 年至 2019 年期间三十七 (37) 个撒哈拉以南非洲国家样本的时不变变量的动态面板估计，可以观察到，种族分裂阻碍了减少撒哈拉以南非洲不平等的金融获取。经过多项与腐败、城市化、金融知识和社会地理因素相关的敏感性测试后，结果保持稳定。它们对于使用金融准入的替代措施和改变估计技术也很稳健。