Considering the Effects of Mobile Phones on Financial Inclusion in Cambodia

Seng, Kimty (2017): Considering the Effects of Mobile Phones on Financial Inclusion in Cambodia. Forthcoming in:

Abstract

This paper examines the effects of mobile phones on financial inclusion in terms of households’ uptake of microcredit in Cambodia, with data from the Cambodia Socio-Economic Survey conducted in 2014. The analysis is conducted with a propensity score matching approach to address endogeneity issues of the use of mobile phones and to evaluate the effects. The results suggest that mobile phones are very likely to induce households to take up credit offered by microfinance institutions, in particular for non-agricultural investment purpose, but to discourage households from using credit for non-productive purpose.

• Item Type: MPRA Paper
• Language: English
• Keywords: Mobile phones, financial inclusion, microfinance, Cambodia
• Subjects: O - Economic Development, Innovation, Technological Change, and Growth > O1 - Economic Development > O10 - General; O - Economic Development, Innovation, Technological Change, and Growth > O1 - Economic Development > O12 - Microeconomic Analyses of Economic Development

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