Financial inclusion for a greener Africa: unlocking low-carbon development through technology
より環境に優しいアフリカのための金融包摂：技術を通じた低炭素開発の解放 (AI 翻訳)
Jing Tong, Regina Mulunda, Joel Victor Dossa
🤖 gxceed AI 要約
日本語
2000～2022年のサブサハラアフリカ35カ国を対象に、金融包摂が炭素強度に与える影響を実証分析。技術革新の媒介効果に着目し、金融アクセス拡大が低炭素化に寄与する経路を明らかにした。低所得国では炭素強度を上昇させる一方、中所得国では低下させるなど、経済発展段階による異質性も確認。
English
This study examines how financial inclusion affects carbon intensity in 35 Sub-Saharan African countries from 2000-2022, focusing on the mediating role of technological innovation. Using panel data and robust econometrics, it finds that greater financial inclusion reduces carbon intensity overall by enabling cleaner technology investment. However, effects vary by income level: increasing intensity in low-income countries and decreasing in upper-middle-income ones, highlighting the importance of supportive policies and institutions.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
本論文はアフリカの金融包摂と低炭素化の関係を解明するもので、日本の対アフリカ開発協力や、日本企業のサプライチェーンにおける途上国支援の参考になる。ただし日本の国内GX政策への直接的な示唆は限定的。
In the global GX context
This paper provides strong empirical evidence that financial inclusion can drive low-carbon development in Sub-Saharan Africa, mediated by technology. It underscores that institutional quality and income levels shape outcomes, offering valuable insights for global climate finance and development policy, particularly for international frameworks like the Paris Agreement and SDGs.
👥 読者別の含意
🔬研究者:Offers robust panel data evidence on the financial inclusion-carbon intensity nexus and technology mediation, useful for scholars in climate finance and development economics.
🏢実務担当者:Highlights that financial inclusion programs can reduce carbon intensity, but success depends on institutional quality and income level; relevant for impact investors and development banks operating in Africa.
🏛政策担当者:Suggests that financial inclusion policies should be tailored to income levels and complemented with technology and regulatory support to effectively lower carbon emissions.
📄 Abstract（原文）
This study examines how financial inclusion influences carbon intensity in 35 Sub-Saharan African countries over the period 2000–2022, with particular attention to the mediating role of technological innovation. Grounded in financial development theory and the energy ladder framework, the analysis explores both the direct effects of expanded financial access on environmental performance and the indirect channels through which these effects materialize. Using panel data and a range of robust econometric approaches, including two-way fixed effects, instrumental variable estimation and extensive robustness checks, the results show that greater financial inclusion is associated with lower carbon intensity, largely by enabling investment in cleaner technologies and improving energy efficiency. Mediation analysis identifies technological innovation as a critical transmission mechanism, though its effectiveness varies with institutional quality and income levels. Further heterogeneity analysis reveals that financial inclusion tends to raise carbon intensity in low-income countries while reducing it in upper-middle-income economies, underscoring the role of economic development, regulatory capacity and supporting infrastructure. Regional evidence confirms that the environmental gains from financial inclusion are most pronounced in contexts with supportive policy environments and technological readiness. The findings imply that financial inclusion can be a powerful lever for low-carbon transition in Sub-Saharan Africa, but its success depends on alignment with technological, institutional and policy frameworks.
🔗 Provenance — このレコードを発見したソース
- openalex https://doi.org/10.1080/23322039.2026.2668153first seen 2026-05-17 05:36:52
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