Heterogeneous welfare costs of perceived credit constraints in West Africa

Mendeley Data 2026 Dataset Open access

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Authors: Hessouwè Kévin Pari, Koffi Sodokin, Akoété Ega Agbodji
DOI: 10.17632/np2m98rrfg
Cited by: 0

Abstract

Financial inclusion policies typically treat demand-side credit barriers as being interchangeable. Using double/debiased machine learning on 16,957 households across four WAEMU countries (HSHLS 2018–2021), we show that perceived high interest rates, absence of credit institutions, and lack of collateral significantly reduce per capita consumption.

Fields of Study & Subjects

Microfinance and Financial Inclusion Financial Literacy Pension Retirement Analysis Banking stability regulation efficiency

Publication details

Journal / source
Mendeley Data
Publication date
16 February 2026
Language
EN
Document type
Dataset