figure shows that almost all adult women in highincome countries have a formal account while there are wide disparities in the financial inclusion of women across lowincome countries demirguckunt and klapper for example of women in niger had formal accounts with andor obtained loans from financial institutions in while of women in mauritania had an account and received a formal loan the differences in the proportions of men and women who hold an account also tend to diminish with countries income per capita even if once again the size of the gender gap varies significantly across poor countries