The Role of Gender in Agent Banking: Evidence from the Democratic Republic of Congo

The Role of Gender in Agent Banking: Evidence from the Democratic Republic of Congo

Author: 
Richard Chamboko
Robert Cull
Xavier Gine
Soren Heitmann
Fabian Reitzug
Place: 
Washington, D. C.
Publisher: 
World Bank Group
Date published: 
2020
Record type: 
Region: 
Corporate Author: 
World Bank
Abstract: 

This paper uses a unique data set with 1.1 million customer transactions from a microfinance institution in the Democratic Republic of Congo from 2017 to 2018. The paper provides evidence of assortative gender matching in agent banking transactions, as clients prefer to transact with agents of their own gender. Female clients show a robust preference for female agents even when they are less available, particularly when making high-value transactions and when they have higher account balances. The underrepresentation of female agents may contribute to the persistent gender gap in financial access and usage.

Country focus: 
Subject profile : 

CITATION: Richard ChambokoWorld Bank. The Role of Gender in Agent Banking: Evidence from the Democratic Republic of Congo . Washington, D. C. : World Bank Group , 2020. - Available at: http://library.au.int/role-gender-agent-banking-evidence-democratic-republic-congo