PDF(Pubmed)
Abstract：
BACKGROUND: In Ghana, about 76% of households are at risk of drinking water polluted with faecal matter, hence, poor sanitation and unsafe water are responsible for 80% of all diseases in the country. Given this, some studies have been carried out concerning the factors that determine access and use of improved water among households in Ghana. However, although financial inclusion can make it easy for households to afford and hence, use improved water, it has received very little attention. This study, thus, examines the effect of financial inclusion on the use of improved water among households in Ghana.
METHODS: The Ghana Living Standards Survey round 7 (GLSS7) is used as the data source while the binary logit regression is employed as the main empirical estimation technique.
RESULTS: The results show that households with financial inclusion (employing an indicator which has not been disaggregated into formal and informal financial inclusion) have a higher likelihood of using improved water sources relative to those without financial inclusion. The results are robust using formal financial inclusion as well as a combined index of financial inclusion.
CONCLUSIONS: Enhancing financial inclusion, especially formal financial inclusion can be utilised as a major policy instrument towards increasing access and use of improved water sources among households in Ghana.
METHODS: The Ghana Living Standards Survey round 7 (GLSS7) is used as the data source while the binary logit regression is employed as the main empirical estimation technique.
RESULTS: The results show that households with financial inclusion (employing an indicator which has not been disaggregated into formal and informal financial inclusion) have a higher likelihood of using improved water sources relative to those without financial inclusion. The results are robust using formal financial inclusion as well as a combined index of financial inclusion.
CONCLUSIONS: Enhancing financial inclusion, especially formal financial inclusion can be utilised as a major policy instrument towards increasing access and use of improved water sources among households in Ghana.
摘要：
背景：在加纳，大约76%的家庭面临被粪便污染的饮用水的风险，因此，卫生条件差和不安全的水造成了该国80%的所有疾病。鉴于此,已经进行了一些关于加纳家庭获得和使用改良水的因素的研究。然而,尽管金融包容性可以使家庭更容易负担，因此，使用改良的水，它很少受到关注。这项研究,因此，研究了金融包容性对加纳家庭改善用水的影响。
方法：将第7轮加纳生活水平调查（GLSS7）用作数据源，而将二元logit回归用作主要的经验估计技术。
结果：结果表明，与没有金融包容性的家庭相比，具有金融包容性的家庭（采用尚未分解为正式和非正式金融包容性的指标）使用改善的水源的可能性更高。使用正式的金融包容性以及金融包容性的综合指数，结果是稳健的。
结论：加强金融包容性，特别是正式的金融包容性可以用作主要的政策工具，以增加加纳家庭对改善水源的获取和使用。
方法：将第7轮加纳生活水平调查（GLSS7）用作数据源，而将二元logit回归用作主要的经验估计技术。
结果：结果表明，与没有金融包容性的家庭相比，具有金融包容性的家庭（采用尚未分解为正式和非正式金融包容性的指标）使用改善的水源的可能性更高。使用正式的金融包容性以及金融包容性的综合指数，结果是稳健的。
结论：加强金融包容性，特别是正式的金融包容性可以用作主要的政策工具，以增加加纳家庭对改善水源的获取和使用。
