oyondiy/Fem-Diginomics-Financial-Inclusion-Research

This repository provides the research framework for the FemDigiNomics project, quantifying how health shocks, care burdens, and digital access strongly affect lending readiness among women in Kenya. It proposes a multidimensional Financial Resilience Index that outperforms income alone in predicting creditworthiness for inclusive financial systems. # 📊 FemDigiNomics Portfolio Project ### End-to-End Data Analytics Pipeline for Women's Financial Inclusion **Data Pipeline:** Excel → Python → MySQL → Power BI --- ## 📋 Project Overview This portfolio project demonstrates a complete end-to-end data analytics pipeline developed for the **FemDigiNomics Women's Financial Inclusion Program**. The project investigates how **health shocks**, **unpaid care work**, and **digital inclusion** influence women's financial resilience and lending readiness in Kenya. Traditional credit scoring models often overlook structural barriers faced by women. This project develops new composite indicators that better capture women's financial realities and demonstrates how data analytics can support evidence-based lending decisions. --- # 📊 Power BI Dashboard ## Dashboard Page 1 – Executive Overview --- ## Dashboard Page 2 – Research Insights --- ## Dashboard Page 3 – Geographic & Digital Inclusion Analysis --- # 🎯 Research Framework ## Problem Statement Despite growing efforts to improve financial inclusion across Africa, many low-income women continue to face barriers to accessing affordable financial services, expanding businesses, and building financial resilience. Conventional lending models fail to account for: - Unpaid care work - Health-related financial shocks - Informal income - Digital exclusion As a result, many women are incorrectly classified as high-risk borrowers. --- ## Research Objective To identify the major drivers of financial exclusion among low-income women by quantifying the impact of health shocks, unpaid care work, and digital access on lending readiness. --- # ❓Research Questions ## Theme 1 — Health Shocks & Financial Vulnerability ### RQ1 To what extent do health shocks influence women's debt-to-income ratio and lending readiness? **Finding** Health shocks increase financial vulnerability primarily through higher debt burdens and reduced income rather than directly lowering len …