Impacto da inclusão financeira na redução da pobreza em Moçambique 2022/23

Abstract

1.440 Financial inclusion is often presented as an important instrument for poverty reduction and well-being improvement, especially in developing countries like Mozambique. However, evidence on its effective impact in rural areas is still limited and inconclusive. This study aims to analyze the impact of financial inclusion on per capita consumption of rural households in Mozambique. For this purpose, an econometric model of cross-sectional data was used as the methodology. The dependent variable is per capita consumption as a proxy for poverty, and the explanatory variable of greatest interest is financial inclusion measured in terms of possession or non-possession of a bank account or mobile account. The results indicate that financial inclusion has a negative and statistically significant effect on per capita consumption in rural areas. The main conclusion is that financial inclusion, by itself, does not contribute to poverty reduction in Mozambique. Conversely, the possession of productive assets proves to be the most effective factor, with an increase in assets associated with an increase in per capita consumption. The study recommends the need for complementary policies that promote the productive use of financial services, such as financial education, the use of the financial system for activities that can generate income, and adapting services to the rural reality.(TRADUÇAO NOSSA)