Effect of Financial Inclusion on Poverty and Vulnerability to Poverty: Evidence Using a Multidimensional Measure of Financial Inclusion

This study examines the effect of financial inclusion on poverty and vulnerability to poverty of Ghanaian households. Using data extracted from the seventh round of the Ghana Living Standards Survey in 2016/17, a multiple correspondence analysis is employed to generate a financial inclusion index, and three-stage feasible least squares is used to estimate households’ vulnerability to poverty. Endogeneity associated with financial inclusion is resolved using distance to the nearest bank as an instrument in an instrumental variables probit technique. Results showed that while 23.4% of Ghanaians are considered poor, about 51% are vulnerable to poverty. We found that an increase in financial inclusion has two effects on household poverty. First, it is associated with a decline in a household’s likelihood of being poor by 27%. Second, it prevents a household’s exposure to future poverty by 28%. Female-headed households have a greater chance of experiencing a larger reduction in poverty and vulnerability to poverty through enhanced financial inclusion than do male-headed households. Furthermore, financial inclusion reduces poverty and vulnerability to poverty more in rural than in urban areas. Governments are encouraged to design or enhance policies that provide an enabling environment for the private sector to innovate and expand financial services to more distant places. Government investment in, and regulation of, the mobile money industry will be a necessary step to enhancing financial inclusion in developing countries.

     

The Use of the Conceptual Category of Race in American Sociology, 1937–99

We examine how mainstream sociology has used race as an explanatory factor by examining papers in the American Sociological Review between 1937 and 1999. We find a dramatic increase in the likelihood that sociologists will take race into account, and we suggest that methodological innovations are largely responsible for creating an environment in which it is taken for granted that analysts in many fields will control for race. This pattern of usage may reinforce an implicit conception of racial differences that we call broad but shallow, in that race is expected to matter almost everywhere, but its effect can be neutralized by the addition of a control.     

Queer Farmers: Sexuality and the Transition to Sustainable Agriculture

Intimate relationships are foundational to farm viability. They affect how farmers share tasks, earn income, and access land, yet the role of sexuality and heteronormativity in agriculture remains understudied. Furthermore, queer people are largely ignored as potential farmers by the sustainable agriculture and lesbian, gay, bisexual, and transgender (LGBT) movements. I document the lived experiences of queer farmers, an underresearched group, through participant observation and interviews with 30 sustainable farmers of various genders and sexualities in New England. I use a queer perspective to illuminate sexualized and heteronormative patterns in sustainable agriculture. Whereas the perception of rural heterosexism can discourage queer participation in agriculture, queer farmers faced less overt heterosexism than they expected. However, they did experience heterosexism particular to sustainable agriculture, and confronting it might jeopardize relationships important for economic and environmental sustainability and land access. Some farmers were attracted to sustainable agriculture for reasons specific to gender, sexuality, and anticapitalist values. I argue that sexuality and heteronormativity are embedded in farmer recruitment, retention, and land acquisition, which are critical for the transition to sustainable agriculture. I offer the sustainable agriculture movement a lens for envisioning alternatives for farm families, homes, and workplaces.