Analyzing Gender-Based Financial Inclusion Disparities: A Comparative Study of Jordan and Arab Nations

Authors

DOI:

https://doi.org/10.15170/MM.2025.59.02.07

Keywords:

Women's empowerment, gender gap, labor market participation, Arab regions, Jordan, financial disparities, economic participation, market management

Abstract

Abstract

Women's empowerment, is cornerstone for societal and economic development, is especially  in the Arab regions like Jordan, where the gender gap in labor market participation starkly highlights the challenges that women face. Many studies have addressed the gender gap (male-female gap), but little effort was given to the gap within female population. In Arab world, culture has tremendous effect on empowerment, assuming that sharing cultural values would bring similar challenges, therefore, the presented study uses the Global Findex 2021 data to explore the financial disparities between Jordanian women and their counterparts in the Arab world, using non-parametric Mann-Whitney U procedure of 6317 females across 13 Arab countries. Results suggested significant distinguish position of Jordan in economic empowerment despite shared cultural norms. While Jordan exhibits relative strengths in education and digital access to services but encounter significant challenges in converting these advancements into broader economic benefits and empowerment. Jordan has strong position compared to their counterparts in general except Saudi Arabia and UAE. It would be beneficial, to have a context-specific policy interventions to leverage the unique position of Jordan, foster women's economic participation and empowerment in Jordan and beyond, aligning with global efforts to enhance gender equality and promote sustainable development.

References

Abou-Shouk, M. A., Mannaa, M. T. and Elbaz, A. M. (2021), “Women’s empowerment and tourism development: A cross-country study”, Tourism management perspectives, 37. DOI: 10.1016/j.tmp.2020.100782

Antonijević, M., Ljumović, I. and Ivanović, Đ. (2022), “4BIs there a Gender Gap in Financial Inclusion Worldwide?” Journal of Women’s Entrepreneurship & Education, (1‒2), 79‒96. DOI: 10.28934/jwee22.12.p79-96

Bastian, B. L., Sidani, Y. M. and El Amine, Y. (2018), “Women entrepreneurship in the Middle East and North Africa: A review of knowledge areas and research gaps”, Gender in Management: An International Journal, 33(1), 14‒29.

Bettio, F., Corsi, M., D’Ippoliti, C., Lyberaki, A., Samek Lodovici, M. and Verashchagina, A. (2013), The impact of the economic crisis on the situation of women and men and on gender equality policies. European Commission, Directorate-General for Justice. Publications Office of the European Union.

Chakraborty, L. and Somanathan, R. (2010), “Women’s Autonomy and Economic Development”, Economic and Political Weekly, 45(48), 57‒64.

Duflo, E. (2012), “Women’s Empowerment and Economic Development”, Journal of Economic Literature, 50(4), 1051‒ 1079. DOI: 10.1257/jel.50.4.1051

England, P. (2010), “The gender revolution: Uneven and stalled”, Gender & Society, 24 (2), 149‒166. DOI: 10.1177/0891243210361475

Fargues, P. (2005), “The Global Demographic Benefit of International Migration: A Hypothesis.” RSC Working Papers. https://hdl.handle.net/1814/3352 [15.07.2025.]

Glas, S., Spierings, N. and Scheepers, P. (2018), “Re-understanding religion and support for gender equality in Arab countries”, Gender & Society, 32(5), 686‒712. DOI: 10.1177/0891243218783670

Hadad, D. (2018), “Women’s ‘Empowerment’and Gender Equality in the Arab World: Interpretations and Challenges”, in: KILAW. 5th Annual International Conference (9‒10 May 2018), entitled: (Contemporary Challenges to Legal Guarantees in a Changing World).

Jalbout, M. (2015), “Unlocking the potential of educated Arab women”, Education Plus Development.

Kabeer, N. (2005), “Gender Equality and Women’s Empowerment: A Critical Analysis of the Third Millennium Development Goal”, Gender & Development, 13(1), 13‒24. DOI: 10.1080/13552070512331332273

Kasoolu, S., Hausmann, R., O’Brien, T. and Santos, M. A. (2019), “Female Labor in Jordan: A Systematic Approach to the Exclusion Puzzle”, in: CID Faculty Working Paper, 365.

Klasen, S. and Lamanna, F. (2009), “The impact of gender inequality in education and employment on economic growth: New evidence for a panel of countries”, Feminist Economics, 15(3), 91‒132. DOI: 10.1080/13545700902893106

Koburtay, T. and Abuhussein, T. (2020), “Normative Islam, prejudice and women leaders: Why do Arab women leaders suffer”, Journal of Gender Studies, 30(2), 177‒189. DOI: 10.1080/09589236.2020.1863195

Koburtay, T., Syed, J. and Haloub, R. (2018), “Implications of religion, culture, and legislation for gender equality at work: Qualitative insights from Jordan”, Journal of Business Ethics, 164, 421‒36. DOI: 10.1007/s10551-018-4036-6

Malhotra, A., Schuler, S. R. and Boender, C. (2002), Measuring Women’s Empowerment as a Variable in International Development. Washington, DC: The World Bank.

Martin, M. B. (2015), “Gender equality and the empowerment of women in Arab countries: A transcultural caring perspective”, International Journal of Human Caring, 19(1), 13‒18. DOI: 10.20467/1091-5710-19.1.13

McKnight, P. E. and Najab, J. (2010), Mann‐Whitney U Test. The Corsini encyclopedia of psychology. DOI: 10.1002/9780470479216.corpsy0524

Mehtap, S., Pellegrini, M. M., Caputo, A. and Welsh, D. H. (2017), “Entrepreneurial intentions of young women in the Arab world: Socio-cultural and educational barriers”, International Journal of Entrepreneurial Behavior & Research, 23, 880‒902. DOI: 10.1108/IJEBR-07-2017-0214

Moghadam, V. M. (2003), Modernizing women: Gender and social change in the Middle East, Lynne Rienner Publishers.

Odine, M. (2013), “Role of social media in the empowerment of Arab women”, Global Media Journal, 12, 1‒30.

Pillai J. K. (1995), Women and Empowerment, New Delhi: Gyan Publishing House.

Saqfalhait, N., AbdAlla Spetan, K., Awad-Warrad, T. and Alomari, M.W. (2023), “Trade liberalization and women empowerment in the Arab countries”, International Journal of Gender and Entrepreneurship, 15, 232‒248. DOI: 10.1108/IJGE-07-2022-0113

Sen, A. (1999), Development as freedom, Oxford University Press.

Shamlawi, H. A. and Saqfalhait, N. I. (2016), “Women empowerment in the Arab region: a comparative investigation”, Journal of Business and Economics Research, 5(6), 191‒201. DOI: 10.11648/j.ijber.20160506.12

Sharma, R. R., Chawla, S. and Karam, C. M. (2021), “Global gender gap index: world economic forum perspective”, in: Ng, E. S., Stamper, C. L., Klarsfeld, A. & Han, Y. J. (eds.): Handbook on diversity and inclusion indices, Edward Elgar Publishing, 150‒163.

Tatár-Kiss, K. (2021), “Gender Equality Provided by Active Action in Recruitment and Selection Process”, Marketing & Menedzsment, 55(3), 49‒57. DOI: 10.15170/MM.2021.55.03.04

Thabet, S. (2015), “Women Empowerment in the Arab Region: Between the Anvil of Illiteracy and the Hammer of Passive Representative Bureaucracy”, Journalism and Mass Communication, 5, 234‒ 249.

UN Women (2021), Progress of the World’s Women 2021‒2022, New York: UN Women.

Verma, M. M. (2009). “Approaches to Women’s Empowerment: An Overview”, IASSI Quarterly, 28, 230‒249.

World Bank (2019), World Development Report 2019: The changing nature of work, Washington, DC: World Bank. [07.15.2025.]

World Bank (2024), Women, Business and the Law 2024. https://www.worldbank.org [15.07.2025.]

World Economic Forum (2023), Global Gender Gap Report 2023. https://www.weforum.org/publications/global-gender-gap-report-2023 [15.07.2025.]

Zuhur, S. (2003), “Women and empowerment in the Arab world”, Arab Studies Quarterly, 25(4), 17‒ 38.

Downloads

Published

2025-09-24

How to Cite

Albaddawi, E. and Sipos, N. (2025) “Analyzing Gender-Based Financial Inclusion Disparities: A Comparative Study of Jordan and Arab Nations”, The Hungarian Journal of Marketing and Management, 59(2), pp. 73–83. doi: 10.15170/MM.2025.59.02.07.

Issue

Section

Papers

Similar Articles

<< < 1 2 3 4 5 6 7 8 9 10 > >> 

You may also start an advanced similarity search for this article.