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：技術による低炭素開発の解放 (AI 翻訳)
Jing Tong, Regina Mulunda, Joel Victor Dossa
🤖 gxceed AI 要約
日本語
本研究は、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技術革新の媒介効果に着目して分析。パネルデータと操作変数法等を用いた結果、金融包摂は主にクリーン技術への投資とエネルギー効率改善を通じて炭素強度を低下させるが、低所得国では逆に上昇させるなど、経済発展段階や制度の質による差異が確認された。
English
This study examines how financial inclusion affects carbon intensity in 35 Sub-Saharan African countries (2000-2022), focusing on the mediating role of technological innovation. Using panel data and robust econometric methods, it finds that financial inclusion reduces carbon intensity primarily by enabling cleaner technology investment and energy efficiency improvements, though effects vary by income level and institutional quality.
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
日本にとって直接的な政策的含意は限定的だが、アフリカにおける日本のODAや民間投資の低炭素化効果を評価する視点として有用。特に、金融アクセス拡大がクリーン技術導入を促進するメカニズムは、日本の技術協力における重要な考慮要素となり得る。
In the global GX context
This paper contributes to the global literature on financial inclusion and environmental outcomes, providing empirical evidence from Sub-Saharan Africa. It highlights the importance of technological readiness and institutional quality in realizing low-carbon benefits, relevant for international climate finance and development strategies.
👥 読者別の含意
🔬研究者:Offers a robust empirical framework for analyzing financial inclusion-environment relationships with mediation and heterogeneity analysis.
🏢実務担当者:Insights for development finance institutions on how financial inclusion programs can be designed to maximize low-carbon impacts.
🏛政策担当者:Emphasizes the need for complementary policies on technology and institutions to ensure financial inclusion supports decarbonization.
📄 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/10.6084/m9.figshare.32236590first seen 2026-05-17 05:37:33
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