WoS İndeksli Yayınlar Koleksiyonu

Permanent URI for this collectionhttps://hdl.handle.net/20.500.12573/394

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Author: search.filters.author.Taskin, DilvinSubject: search.filters.subject.Financial Inclusion

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  • Article
    Citation - WoS: 37
    Citation - Scopus: 49
    Financial Inclusion and Poverty: Evidence From Turkish Household Survey Data
    (Routledge Journals, Taylor & Francis Ltd, 2021-09-30) Dogan, Eyup; Madaleno, Mara; Taskin, Dilvin
    Even though poverty is highly felt in developing economies, the lack of relevant and complete micro-level data limits understanding which households are more exposed to poverty and the role of financial inclusion in poverty in these countries. This research analyzes the effects of financial inclusion proxied by a multidimensional index on three poverty measures (the lowest-income poverty line, a lower-middle-income line, and an upper-middle-income line) by employing the recent Turkish Household Budget and Consumption Expenditure Survey data with 11,595 complete answers. In addition to the application of logistic regressions, this study addresses possible endogeneity issues by using access to the nearest bank as an instrument in a two-stage least-squares regression and employing the novel method as a robustness check. Empirical results point out that an increase in financial inclusion decreases poverty in Turkey. The adverse effect of financial inclusion on poverty is validated through a few robustness and sensitivity analyses. The outcome also indicates that health expenditure and income are essential through which poverty is influenced by financial inclusion. Thus, policies are required to enhance the financial inclusion of households to alleviate poverty. Further discussions are presented in this study.
  • Article
    Citation - WoS: 191
    Citation - Scopus: 206
    Which Households Are More Energy Vulnerable? Energy Poverty and Financial Inclusion in Turkey
    (Elsevier, 2021) Dogan, Eyup; Madaleno, Mara; Taskin, Dilvin
    This study examines the effects of financial inclusion on energy poverty using the 2018 Turkish Household Budget and Consumption Expenditure Surveys. The study adopts three different measures of energy poverty and then analyzes the impact of financial inclusion proxied by a multidimensional index on energy poverty using different estimation strategies. After addressing the endogeneity of financial inclusion by instrumenting financial inclusion with access to the nearest bank in a two-stage least squares framework, the empirical results show that financial inclusion significantly alleviates energy poverty while its impact is higher for female-headed households. These findings are robust to Oster's (2019) bounds estimates that deal with omitted variable bias. The results also suggest that health and income are significant through which financial inclusion influences energy poverty. The findings thus point to the need for policies that promote financial inclusion as a way of alleviating energy poverty. (C) 2021 Elsevier B.V. All rights reserved.