世界银行-移动货币税对家庭福利的影响：来自坦桑尼亚的证据（英）

Policy Research Working Paper11228The Impact of a Mobile Money Levy on Household WelfareEvidence from TanzaniaRevocatus PaulDhiraj SharmaPoverty and Equity Global DepartmentOctober 2025 A verified reproducibility package for this paper is available at http://reproducibility.worldbank.org, click here for direct access. Public Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedProduced by the Research Support TeamAbstractThe Policy Research Working Paper Series disseminates the findings of work in progress to encourage the exchange of ideas about development issues. An objective of the series is to get the findings out quickly, even if the presentations are less than fully polished. The papers carry the names of the authors and should be cited accordingly. The findings, interpretations, and conclusions expressed in this paper are entirely those of the authors. They do not necessarily represent the views of the International Bank for Reconstruction and Development/World Bank and its affiliated organizations, or those of the Executive Directors of the World Bank or the governments they represent.Policy Research Working Paper 11228This paper examines the welfare effects of Tanzania’s 2021 levy on mobile money transfers, a policy that sharply increased transaction costs in a country where mobile money is the primary channel for financial access and remittances. Using two waves of the Tanzania National Panel Survey (2014/15 and 2020/22) combined with high-frequency phone survey data, a triple-difference identification strategy was implemented to isolate the impact of the levy on rural and urban households before and after its introduction. The findings show that rural households—who rely more heavily on mobile money and have fewer financial alterna-tives—experienced a 10–18 percent decline in per capita food consumption and a significant rise in food insecurity following the levy. Robustness checks using variation in bank penetration, shock incidence, and remittance depen-dence support these results.This paper is a product of the Poverty and Equity Global Department. It is part of a larger effort by the World Bank to provide open access to its research and make a contribution to development policy discussions around the world. Policy Research Working Papers are also posted on the Web at http://www.worldbank.org/prwp. The authors may be contacted at rpaul4@worldbank.org. A verified reproducibility package for this paper is available at http://reproducibility.worldbank.org, click here for direct access. POLICY RESEARCH WORKING PAPERSTRANSPARENTANALYSISThe Impact of a Mobile Money Levy on HouseholdWelfare: Evidence from Tanzania∗Revocatus Paul (World Bank),Dhiraj Sharma (World Bank)JEL Classification: F24, I32, O16Keywords: Mobile money levy, Household Welfare, Triple Difference, Food consumption, Food security∗We are incredibly grateful for the support, input, and guidance provided by Rin