The gains from trade depend on the reallocation of resources, including labour, across firms and sectors. However, workers are unlikely to be fully mobile since there are barriers to sectoral and geographical mobility due to social reasons such as family or existing private and professional...

The paper focuses on women's financial behaviour in their use of higher order financial services in Ghana and South Africa, inviting a gendered and social analysis of deconstructing financial behaviour. Women in South Africa are more likely to use general financial products than in Ghana, though...