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Journal articles on the topic 'Complete Financial Inclusion'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Kong, Yusheng, Yama Tampuri Jnr Mark, and Opoku Boadi Portia. "Digital Financial Inclusion: The Star Strategy Approach to Policy Formulation." International Journal of Management Sciences and Business Research 7, no. 1 (2018): 120–29. https://doi.org/10.5281/zenodo.3483280.

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The research focuses on Digital Financial Inclusion and tools to achieve this critical key to economic and sustainable development. The STAR Strategy Approach for Financial Inclusion with its four thematic area is proposed by the researchers that in any policy to have the complete and comprehensive effect of achieving the right mix of Financial Inclusion within the digital space, then the policy must have demonstrable and measurable traces of unlocking access, unlocking usage, embedded quality and innovation and minimizes risk. The research also extensively explains the STAR Strategy Approach

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Dharini, Raje Sisodia, and Kapoor Akanksha. "DEMONETIZATION A STEP TOWARDS MODERN FINANCIAL INCLUSION." International Journal of Current Research and Modern Education 2, no. 2 (2017): 17–20. https://doi.org/10.5281/zenodo.839834.

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India creating a high expectation for the world to become economic leader. From quite a while Indian took Financial Inclusion as serious course of Business as a development tool and encouraging result are been observed. In order to have strong financial inclusion serious action are required. In this era of technology with largest youth population in India, this is the best time to strike the chords of modern financial inclusion. This paper will take up the issues related to demonetization and linkage of modern financial inclusion .This paper also Discuss about the after math of demonetization

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Rifaya Meera, M., and P. Kaleeswaran. "Financial Inclusion Index through MGNREGS in Virudhunagar District." Asian Journal of Managerial Science 6, no. 1 (2017): 5–9. http://dx.doi.org/10.51983/ajms-2017.6.1.1225.

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Financial inclusion is the delivery of financial services through receipt of transfer payments, savings, loans, insurance, short term credit and remittance at affordable costs to sections of disadvantaged and low income segments of society. It is argued that availability of banking and payments services to the entire population without discrimination is the prime objective of public policy. Therefore, having a savings account is the only a starting point of financial inclusion. MGNREGA, the flagship programme of the UPA government, was revolutionary in its promise of inclusive growth and finan

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Masrochah, Maela, and M. Iqbal Notoatmojo. "The Influence of Financial Literacy, Financial Inclusion and Financial Technology on the Financial Performance of M-SMEs in Pekalongan City." SHS Web of Conferences 217 (2025): 03005. https://doi.org/10.1051/shsconf/202521703005.

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Examining how financial performance is affected by financial technology, financial inclusion, and financial literacy on the financial performance of M-SMEs in Pekalongan City is the goal of this study. Using the basic random selection technique, 100 respondents were chosen as samples for this investigation. MSME actors in Pekalongan City were given questionnaires to complete in order to collect data, which was then analyzed using SPSS Statistics 25.0. The examination of data approach used in this study is multiple linear regression testing. The study’s findings largely indicate that while fina

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CNAAN, RAM A., M. S. MOODITHAYA, and FEMIDA HANDY. "Financial Inclusion: Lessons from Rural South India." Journal of Social Policy 41, no. 1 (2011): 183–205. http://dx.doi.org/10.1017/s0047279411000377.

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AbstractFinancial inclusion/exclusion has recently been emphasised as an important policy option aimed at alleviating poverty, minimising social exclusion and enhancing economic growth. In this article, we review the growing interest in financial exclusion and inclusion, define them and demonstrate their existence in developing and developed countries. Our empirical focus is on whether financial inclusion has been successfully implemented in four sites in rural South India where banks claimed that financial inclusion is complete. Although many rural people in South India are financially includ

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Baporikar, Neeta. "Financial Literacy as Strategy for Enhancing Financial Inclusion of Small Entrepreneurs." International Journal of Public Sociology and Sociotherapy 1, no. 2 (2021): 1–14. http://dx.doi.org/10.4018/ijpss.2021070101.

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Small entrepreneur performance is always seen along with the complete proportions of financial, strategic, and structural development. The socioeconomic function performed by them is widely known. Yet there is concern regarding their financial literacy due to declining public and private to support and large developments in the financial marketplace. The concern is also deep due to the financial challenges and dearth of financial literacy of them. This may be a major factor for poor financial decision making and even deprived financial inclusion. Further, poor financial literacy causes not onl

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Ratnawati, M. Taufiq Noor Rokhman, and Ayu Agus Tya Ningsih. "The role of digital financial inclusion in improving financial literacy and financial well-being for business sustainability: Indonesian women’s export craft SMEs." Problems and Perspectives in Management 23, no. 2 (2025): 398–408. https://doi.org/10.21511/ppm.23(2).2025.28.

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Women, as craft business owners, must possess knowledge about financial inclusion and financial stability because it has an impact on business sustainability. This paper aims to test the effect of financial literacy and financial well-being on business sustainability, with digital financial inclusion as a moderating variable. This paper uses 236 female export craft MSME actors in East Java Province. Structural equation modeling (SEM) was used to test the hypotheses. The findings show that financial literacy and financial well-being affect business sustainability. Financial knowledge of MSME ac

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Dahiya, Suman, and Manoj Kumar. "Linkage between Financial Inclusion and Economic Growth: An Empirical Study of the Emerging Indian Economy." Vision: The Journal of Business Perspective 24, no. 2 (2020): 184–93. http://dx.doi.org/10.1177/0972262920923891.

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Inclusive financial system is a key to sustainable development and growth of a nation wherein all segments of the society have timely access to financial services at an affordable cost. It facilitates safe custody of savings, availability of loan for multiple purposes, diversification of risk through investment in different avenue, coverage of risk through various insurance products, etc., which make the life of people easier and comfortable. Therefore, inclusive finance leads to prosperity and economic growth by eliminating or minimizing poverty, unequal distribution of income and dominance o

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Al Rahahleh, Naseem. "Determinants of the Financial Capability: The Mediating role of Financial Self-efficacy and Financial Inclusion." International Journal of Economics and Financial Issues 13, no. 6 (2023): 15–29. http://dx.doi.org/10.32479/ijefi.14531.

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Identifying and addressing the predictors of financial capability in the context of a developing country such as Kingdom of Saudi Arabia is vital to advancing the financial behavior literature. Financial self-efficacy initially develops from financial literacy and the continuing development of each depends on the continuing development of the other. However, the exact nature of the relationship between financial self-efficacy and the relationship between financial literacy and financial inclusion remains a subject for argument. We, therefore, propose a model comprising both direct and indirect

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Sagnik, Maity, and Amit Majumder Dr. "A Nationwide Comparative Study on Financial Inclusion through PMJDY." Management Journal for Advanced Research 4, no. 3 (2024): 10–21. https://doi.org/10.5281/zenodo.12493037.

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Purpose - Financial inclusion refers to the provision of affordable financial products and services to all members of society without any discrimination. ‘Pradhan Mantri Jan-Dhan Yojana’ is a government scheme to provide a zero-balance account to every citizen in India.Methodology- This study creates a financial inclusion index based on three dimensions: banking penetration, disbursement, and services. And distributed states as per their index score in three levels: high, middle, and low. There is a continuum from 0 (no inclusion) to 1 (complete inclusion).Findings- The study finds

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Garg, Aman, Mamta Rani, Manoj Siwach, and Shubham Garg. "Measurement of Financial Inclusion Disparity Among Indian States: An Empirical Study using Wroclaw Taxonomic Methodology." Journal of Commerce and Accounting Research 13, no. 4 (2024): 80–91. http://dx.doi.org/10.21863/jcar/2024.13.4.009.

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Financial inclusion is an essential aspect of economic growth. A well-designed financial system significantly aids in the development of a nation, encourages individuals to save, combats poverty and lessens inequality. Finance inclusion is usually accepted as the primary gauge for the expansion of any economic activity. Therefore, this article aims to provide more exhaustive insight into the performance of financial inclusion at the sub-national level in India. The study has adopted the Wroclaw taxonomic method for developing the composite index of financial inclusion in India, covering the pe

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Surappa, Naik, and Madhumathi M. "FINANCIAL INCLUSION & PMJDY IN INDIA: A CRITICAL REVIEW." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 247–53. https://doi.org/10.5281/zenodo.2566197.

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<em>Financial inclusion or inclusive financing is the delivery of financial services at affordable cost to socially deprived and low-income segments of society. The present article seeks to review of thefinancial inclusion in India and Pradhan Mantri Jan Dhan Yojana(PMJDY). For the sustainable economic development of the Indian economy, the Government of India launches Pradhan Mantri Jan Dhan Yojana (PMJDY) on 28th August 2014. PMJDY is a National Mission on Financial Inclusion to ensure access to financial services, namely, Banking accounts, Remittance, Credit, Insurance, Pension in affordabl

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Offiong, Amenawo Ikpa, Hodo Bassey Riman, Godwin Bassey James, Anthony Ogar, Emmanuel Ekpenyong Okon, and Helen Walter Mboto. "Primary school enrolment rate, completion rate and gender balancing in Nigeria; the financial inclusion perspective." International Journal of Social Economics 48, no. 4 (2021): 602–21. http://dx.doi.org/10.1108/ijse-04-2020-0205.

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PurposeThe bedrock of growth in education is at the primary/basic education level, hence there is need to ensure that the populace not only enrolls but complete their education as well as maintain gender balancing. Financial inclusion is essential in achieving financial development which if properly tailored should result in economic growth and development. Education is an important development parameter, therefore, the purpose of this study is to assess if financial inclusiveness enhances primary school enrolment, completion and gender balancing.Design/methodology/approachIn order to ascertai

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Elliyana, Ela, Nurhaedah Nurhaedah, Fahri Eka Oktora, and Dony Oktariswan. "Pengaruh Financial Planning dan Managing Liability terhadap Financial Inclusion (Studi Kasus Shopee PayLater)." Iqtisad: Reconstruction of Justice and Welfare for Indonesia 10, no. 2 (2023): 255. http://dx.doi.org/10.31942/iq.v10i2.9820.

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The purpose of this study was to determine the effect of Financial planning and Managing liability on financial inclusion case study on active shopee paylater users in Indonesia. The research was conducted in Indonesia, the research period was July-September 2023. The research population is active shopee paylater users in Indonesia whose exact number cannot be known. This study used Non-probability Purposive Sampling technique and for a sample of 116 respondents, but less than 100 complete questionnaires were considered usable. The results showed that financial planning and managing liability

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Chyntia, Eka, Shalawati, Maryana, Siti Maisyarah, and Yuliza Febrina. "Role of Fintech in Increasing Financial Inclusion in MSMEs in Aceh." Jurnal Ilmiah Ekonomi Global Masa Kini 15, no. 2 (2024): 139–48. https://doi.org/10.36982/jiegmk.v15i2.4965.

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The rapid progress of information and communication technology in the era of globalization makes information more than just a source of knowledge and resources. Technological developments also influence the economic sector, one of which is financial technology (FinTech). The development of fintech in Indonesia has given rise to various application innovations, especially in financial services, such as payment transaction tools, money storage tools and also money lending tools. Research Aims: This study explores the role of fintech in influencing the increase in financial inclusion in SMEs in A

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Maity, Sagnik, and Amit Majumder. "A comparative study on the financial inclusion status of G20 countries." Journal of Decision Analytics and Intelligent Computing 5, no. 1 (2025): 14–24. https://doi.org/10.31181/jdaic10015022025m.

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Purpose: The G20 forum serves as a platform for the convergence of the world's most significant and systemically crucial economies. However, recent occurrences have given rise to a state of economic upheaval on a global scale. It's essential for determining where each country stands economically. Gaining access to economic growth can be facilitated by expanding financial inclusion. This paper aims to fill this gap by thoroughly analysing financial inclusion in the G20 nations. Methodology: This study creates a financial inclusion index based on three dimensions: banking penetration, disburseme

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Behera, Suchitra, and Samir Ranjan Behera. "District-wise Comparative Study of Banking Penetration and Financial Inclusion in Odisha." Emerging Economy Studies 4, no. 2 (2018): 129–46. http://dx.doi.org/10.1177/2394901518795049.

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This article attempts to analyze the economic growth in the districts of Odisha by compiling an index for financial inclusion which included various dimensions of financial inclusion and resulted in a number between 0 and 1, where 0 is the worst condition of a district and 1 gives complete financial inclusion. The indicators used here are banking penetration, availability of banking services and usage of banking system. The study shows that Khurda district leads with the highest value, followed by Ganjam and Cuttack districts. The results were in accordance with the Planning Commission, Govern

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Akhileshwari,, Asamani. "Navigating the Connections Among ‘Financial Inclusion’, Digital Lending Adoption, and Financial Literacy in India: The Mediating Role of Artificial Intelligence." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 05 (2025): 1–9. https://doi.org/10.55041/ijsrem48940.

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Abstract: With an eye towards "Artificial Intelligence (AI)," this paper looks at the relationship between "digital lending adoption," "digital financial literacy," and "financial inclusion" in India. Based on earlier studies showing the critical need of "digital financial literacy" in advancing "financial inclusion," the article underlines the significance of financial technology solutions enhanced by artificial intelligence as a primary facilitator. The findings show that by streamlining complex financial duties and tackling financial literacy gaps, artificial intelligence helps low-income p

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Erliana Sari, Novita, Maretha Berlianantiya, Aprilia Syafitri, Aji Nur Abdurrohman, and Reza Krisyulinda. "The Pendampingan Inklusi Finansial Melalui Aplikasi Sikapi Uangmu pada UMKM Eks-PMI Kabar Bumi Ponorogo." Jurnal Pengabdian Nasional (JPN) Indonesia 4, no. 3 (2023): 702–10. http://dx.doi.org/10.35870/jpni.v4i3.480.

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The understanding of MSME actors who are former migrant workers who are members of the "KABAR BUMI PONOROGO" organization regarding the availability of access to various institutions, formal financial products, and services or what is usually called financial inclusion is still very low. In general, they have difficulty understanding financial inclusion well, so they cannot access the use of financial products and services in the form of loans, insurance, savings, mobile banking, electronic money, or various capital that can be accessed at any time. This lack of knowledge means that their busi

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Tereshchenko, Hanna, Nataliia Shelud’ko, Nataliia Versal, and Yuliia Shapoval. "IMPROVING FINANCIAL LITERACY AND FINANCIAL INCLUSION OF HOUSEHOLDS IN THE CONTEXT OF DEVELOPMENT OF THE NON-BANKING SEGMENT OF THE FINANCIAL SECTOR." Educational Analytics of Ukraine, no. 5 (2021): 32–50. http://dx.doi.org/10.32987/2617-8532-2021-5-32-50.

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The importance of household financial literacy improvement in Ukraine is the focus of public attention. Awareness of the link between the financial literacy level, financial inclusion, and financial well-being has become the engine for policy-decision making to improve it, in particular, the design of the National Strategy for the Development of Financial Literacy by the National Bank of Ukraine until 2025 by the representatives of the National Bank of Ukraine. In this context, special attention should be focused on such a component of financial literacy as borrowing. Aggressive advertising by

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Gyimah, Justice, Sabastian Batasuma, Xilong Yao, and Gladys Wauk. "The adoption of renewable energy towards environmental sustainability: Evidence from Partial Least Square Structural Equation Modelling (PLS-SEM)." PLOS ONE 19, no. 4 (2024): e0299727. http://dx.doi.org/10.1371/journal.pone.0299727.

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The effect of carbon emissions on the environment has made some of the Sustainable Development Goals difficult to achieve. Despite the efforts of international bodies, there is still a need to address the problem since the transition is not complete. Therefore, this study investigates the effect of globalization, economic growth, financial inclusion, renewable energy, and government institutions on carbon emissions from the period of 1998 to 2021. To be able to assess both the direct and indirect effects of the variables, the Partial Least Square Structural Equation Modelling is employed, wher

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Pogodina, T. V., and D. V. Bagaev. "FINANCIAL RISK-MANAGEMENT IN DIGITALIZATION ERA." ECONOMIC VECTOR 2, no. 33 (2023): 42–45. http://dx.doi.org/10.36807/2411-7269-2023-2-33-42-45.

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The article discusses new opportunities that open up for specialists in the field of financial risk management in the era of digitalization. The authors analyze modern technologies, the inclusion of which in the financial risk management system makes it possible to increase its efficiency. The theoretical signif-icance of the study is to identify the pro-spects and benefits of using big data, cloud computing, neural networks and machine learning in identifying and predicting financial risks in the service sector. Of practical inter-est is the determination of opportunities to improve the finan

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Deb, Madhurima, and Aarti Agrawal. "Factors impacting the adoption of m-banking: understanding brand India’s potential for financial inclusion." Journal of Asia Business Studies 11, no. 1 (2017): 22–40. http://dx.doi.org/10.1108/jabs-11-2015-0191.

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Purpose The purpose of this study has been to understand brand India’s potential for financial inclusion in the future. As, digital channels like mobile banking (m-banking) are likely to provide better coverage and more cost-effective services to the unbanked population of India. Conventional banking might not be cost-effective for low-ticket-size transactions, hence financial inclusion, which is on the “Digital India” agenda of the Government of India (GoI), might not be feasible. However, to understand brand India’s potential for financial inclusion in the future, it would be essential to un

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Mr., Rajesh Kumar, and Bhupendra Kumar Dr. "STUDY ON ROLE OF BANKING INSTITUTIONS IN RURAL DEVELOPMENT – AN EVALUATION." International Journal of Marketing & Financial Management 6, no. 1 (2018): 52–57. https://doi.org/10.5281/zenodo.10816945.

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<strong>ABSTRACT</strong>                   “             The government should encourage the banks to adopt financial inclusion by means of financial assistance, advertisement and awareness programs etc. to achieve the aim of 11th plan of Inclusive Growth. Rural people with low income often lack access to bank account and they have not time for multiple visits to avail the banking services, an effort is made by opening a savings bank account or

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Nofritar, Nofritar, Yuliarman Mahmudin, Andre Ilyas, Dewi Sartika, Nini Nini, and Yentisna Yentisna. "Sosialisasi Literasi dan Inklusi Keuangan Pada SMK Bougenvile Lubuk Basung." Jurnal Pengabdian Masyarakat Dharma Andalas 2, no. 1 (2023): 12–17. https://doi.org/10.47233/jpmda.v2i1.999.

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This time the community service is aimed at Bougenvile Vocational School students located on Jl. Patih Aminuddin No. 177 Parit Rantang Mudik nagari Lubuk Basung, Lubuk Basung District. This community service aims to provide education to Bougenvile Vocational High School students about financial literacy and financial inclusion. The method for implementing Community Service activities consists of three stages of activity. The first stage of preparation includes pre-survey, team formation, preparation and submission of proposals, team and partner coordination and preparation of training tools an

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Kumari, Shalu. "Digital finance, a booster for Indian economy during Covid-19." Entrepreneurship and Small Business Research 1, no. 2 (2022): 34–40. http://dx.doi.org/10.55980/esber.v1i2.24.

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An efficient financial system is a prerequisite for a country’s economic growth and development. Financial capability is a key factor to stabilizing and functioning the financial markets. It acts as a building block for the mobilization of saving and allocating them to the productive resources. The government of India along Reserve Bank of India (RBI) have taken a number of policy initiatives to include the large unbanked masses into the financial mainstreams. Recent development in communication and technology can be used in a very efficient manner for bringing the financially excluded people

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Tulcanaza-Prieto, Ana Belén, Alexandra Cortez-Ordoñez, Jairo Rivera, and Chang Won Lee. "Is Digital Literacy a Moderator Variable in the Relationship Between Financial Literacy, Financial Inclusion, and Financial Well-Being in the Ecuadorian Context?" Sustainability 17, no. 6 (2025): 2476. https://doi.org/10.3390/su17062476.

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This study explores the determinants of financial literacy (FL) and the relationship between FL, financial inclusion (FI), and financial well-being (FW-B) in the Ecuadorian banking industry. It also tests the moderating role of digital literacy (DL) on the relationship between FL-FI, FL-FW-B, and FI-FW-B. This study employs a self-designed online questionnaire with a structural equation model to prove the relationship between variables. Among 321 collected data, the final valid dataset consisted of 294 registers. The main findings revealed that (i) financial behavior (FB), financial attitudes

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Sharma, Munish, Vishakha Sharma, and Neetika Kumra. "BUILDING FINANCIAL BRIDGES THROUGH DIGITAL CHANNELS AMONG THE YOUTH OF HIMACHAL PRADESH." International Journal of Advanced Research 12, no. 10 (2024): 1538–54. http://dx.doi.org/10.21474/ijar01/19785.

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Digital platforms have altered business, communication, and client engagements. These platforms, which boost efficiency and innovation across industries, are vital to the global economy. Digital financial services have substantially boosted financial inclusion, yet consumers still struggle to access, afford, and feel comfortable utilizing them. Cyber security, digital literacy, and regulatory frameworks must be addressed to maximize financial inclusion. The most marginalized communities, who often face additional barriers to financial services, need targeted measures. Digital platforms can imp

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Nizam, Rosmah, Zulkefly Abd Karim, Aisyah Abdul Rahman, and Tamat Sarmidi. "INDEKS KETERANGKUMAN KEWANGAN DI NEGARA SEDANG MEMBANGUN MENGGUNAKAN KAEDAH BUKAN PARAMETRIK DAN PARAMETRIK." Journal of Nusantara Studies (JONUS) 5, no. 1 (2020): 80–103. http://dx.doi.org/10.24200/jonus.vol5iss1pp80-103.

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Tujuan dan Latarbelakang: Kajian ini bertujuan membuat penambahbaikan pengiraan indeks keterangkuman kewangan dengan mengambilkira dimensi teknologi kewangan digital (fintech) dan menggunakan data daripada sebelah penawaran (supply-side) dan permintaan (demand-side) yang melibatkan negara sedang membangun terpilih bagi tahun 2014 dan 2017 (68 buah negara).  Metodologi: Untuk mengukur indeks keterangkuman kewangan, kajian ini menggabungkan kaedah bukan-parametrik melalui model ukuran multidimensi dan kaedah parametrik Analisis Komponen Utama (PCA).  Dapatan: Keputusan em

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Huang, Chunhua, and Xiaoxuan Hong. "Research on the Impact of Digital Financial Inclusion on Credit Risk of Ningbo Banks." Scientific Journal of Economics and Management Research 6, no. 11 (2024): 47–59. http://dx.doi.org/10.54691/3g2ewk64.

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The booming development of digital inclusive finance in China has brought unprecedented opportunities to commercial banks, but also faces serious challenges. The increasing competition in loans, deposits and intermediate business of commercial banks has led to the rising cost of capital and a significant decline in their profitability, which in turn has triggered a series of credit risks. The article centers on the micro subject of city commercial banks, and empirically analyzes the impact of the development of digital inclusive finance on the credit risk level of Bank of Ningbo, taking Bank o

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Hatidja, ST, Suhardi Suhardi, Rizal Ula Ananra Fauzi, et al. "The Effectiveness of Financial Literacy Education on Children's Economic Decision-Making: A Meta-Analysis Approach." Jurnal Obsesi : Jurnal Pendidikan Anak Usia Dini 9, no. 1 (2025): 1–9. https://doi.org/10.31004/obsesi.v8i6.6738.

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This study aims to determine the influence of financial literacy education on children's economic decision-making. This type of research is quantitative research with a meta-analysis approach. The inclusion criteria in this study are 1) data from national and international journals indexed by SINTA and Scopus, 2) research published in 2021-2024, 3) research must be relevant, 4) research data must report complete data to calculate the effect size value. Research data was obtained from 25 studies that have met the inclusion criteria—data analysis with the help of the JASP 0.8.5 application. The

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Riswantio, Ahmad, Hendri Tanjung, and Abrista Devi. "Dampak Inklusi Keuangan dan Bank Syariah terhadap Kesehatan dan Pendidikan Nasional." El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 2, no. 2 (2021): 1–26. http://dx.doi.org/10.47467/elmal.v2i2.518.

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This study aims to analyze the impact of financial inclusion and Islamic banking on national health and education. The data used in this study is secondary data taken from the website of the financial services authority regarding Islamic banking statistics and data from the website of the Central Statistics Agency. The method used in this study is panel data regression analysis with the help of the Eviews 11 SV and StataSE 17 applications to obtain a complete description of the relationship between one variable and another. The sample in this study consisted of 33 provinces in Indonesia in the

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Riswantio, Ahmad, Hendri Tanjung, and Abrista Devi. "Dampak Inklusi Keuangan dan Bank Syariah terhadap Kesehatan dan Pendidikan Nasional." El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 4, no. 1 (2021): 1–25. http://dx.doi.org/10.47467/elmal.v4i1.518.

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This study aims to analyze the impact of financial inclusion and Islamic banking on national health and education. The data used in this study is secondary data taken from the website of the financial services authority regarding Islamic banking statistics and data from the website of the Central Statistics Agency. The method used in this study is panel data regression analysis with the help of the Eviews 11 SV and StataSE 17 applications to obtain a complete description of the relationship between one variable and another. The sample in this study consisted of 33 provinces in Indonesia in the

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Rangkuti, Arif Rachman Hakim, Ibdalsyah Ibdalsyah, and Abrista Devi. "Pengaruh Keuangan Inklusif dan Bank Syariah terhadap Konsumsi Nasional Indonesia." El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 2, no. 2 (2021): 27–37. http://dx.doi.org/10.47467/elmal.v2i2.520.

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This study aims to determine the effect of financial inclusion and Islamic Banks to national consumption in Indonesia. The Data used in this research is the second data obtained through the official website of the authority of the Islamic financial services banking statistics and data from the Central Statistical Office Data. The method used in this research is the analysis of panel data regression with the aid of Eviews 9 to obtain the processed results complete data concerning the relationship of one variable with the variable that the other. The sample of this study consists of 33 provinces

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Rangkuti, Arif Rachman Hakim, Ibdalsyah Ibdalsyah, and Abrista Devi. "Pengaruh Keuangan Inklusif dan Bank Syariah terhadap Konsumsi Nasional Indonesia." El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 4, no. 1 (2021): 26–36. http://dx.doi.org/10.47467/elmal.v4i1.520.

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This study aims to determine the effect of financial inclusion and Islamic Banks to national consumption in Indonesia. The Data used in this research is the second data obtained through the official website of the authority of the Islamic financial services banking statistics and data from the Central Statistical Office Data. The method used in this research is the analysis of panel data regression with the aid of Eviews 9 to obtain the processed results complete data concerning the relationship of one variable with the variable that the other. The sample of this study consists of 33 provinces

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Eseza, Nakayiso. "Applicability of Financial Inclusion Theories and Rural Development Theories in the Implementation of the Parish Development Model (PDM) in Uganda." INOSR ARTS AND HUMANITIES 10, no. 2 (2024): 1–11. http://dx.doi.org/10.59298/inosrah/2024/102.1111.

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This article provides guidance on how to implement the Parish Development Model, which was launched in February 2022 as the government's multi-sectorial strategy to achieve socioeconomic transformation by converting 39% of Ugandan households from the subsistence economy to the money economy. Uganda, often known as the Pearl of Africa, has seen national development plans incorporate Vision 2040 goals, and it is now undertaking its third National Development Plan. To complete the 2040 vision cycle, three further identical projects must be done. President Yoweri Kaguta Museveni highlighted Financ

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Oluwatobi Julius Ogunjide, Chukwuebuka Okoli, Oluwafunmilayo Ifeoluwa Somoye, and Samuel Olatunji Olawore. "The role of Artificial Intelligence in identity technologies: A comprehensive analysis of the Nigerian fintech ecosystem." Magna Scientia Advanced Research and Reviews 13, no. 2 (2025): 218–29. https://doi.org/10.30574/msarr.2025.13.2.0055.

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Identity technologies in Nigeria’s fintech ecosystem are witnessing the palms of Artificial Intelligence (AI), making security more simplistic, more efficient and more open in the digital financial service. The paper offers a complete review of the AI based identity solutions which are used for fraud detection, customer authentication and regulatory compliance. The study uses structured literature review to understand the according role of machine learning, biometrics and blockchain in enhancing identity verification process. This shows that AI based identity technologies can help prevent frau

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Rishikant, Raj. "An Analytical Study of the Prime Minister Jan-Dhan Yojana and Its Impact on Rural Development: A Special Focus on Bihar." International Journal of Contemporary Research in Multidisciplinary 4, no. 3 (2025): 24–27. https://doi.org/10.5281/zenodo.15359225.

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The Pradhan Mantri Jan-Dhan Yojana (PMJDY), launched in 2014, is one of the largest financial inclusion initiatives globally, aiming to provide universal access to banking services for all, particularly in rural and economically backward areas. This analytical study explores the implementation and impact of PMJDY on rural development in India, with a special focus on Bihar, one of the most socio-economically challenged states. The scheme's core features—zero-balance bank accounts, RuPay debit cards, insurance coverage, overdraft facility, and direct benefit transfer (DBT)—have play

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Sailendra, Sailendra, and Syahril Djaddang. "INKLUSI KEUANGAN DIGITAL PADA MASA PANDEMI COVID-19 DAN NORMAL BARU UNTUK MENINGKATKAN KETAHANAN UMKM." CAPACITAREA : Jurnal Pengabdian kepada Masyarakat 2, no. 02 (2022): 79–89. http://dx.doi.org/10.35814/capacitarea.2022.002.02.10.

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ABSTRAK Semenjak diberlakukannya Pembatasan Sosial Berskala Besar dan Work from Home untuk mencegah penularan virus COVID-19, yang membatasi aktifitas pergerakan orang dan barang, sektor industri yang sangat terdampak dan mengalami kontraksi yang sangat dalam adalah UMKM. Salah satu solusi, untuk menggerakan dan meningkatkan ketahanan usaha UMKM, yaitu melalui inklusi keuangan digital. Inklusi keuangan digital memberikan manfaat yang banyak sekali bagi UMKM, terutama untuk menghilangkan barrier akibat dari diberlakukannya PSBB dan Work from Home, antara lain: Transaksi dan pencatatan lap

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Khan, Raguel. "Digital payments Impact on Indian Economy through Banking systems & Global Comparisons." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem33022.

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India’s financial sector has witnessed a significant digital transformation, particularly in the realm of payments. The shift towards digital payment systems has reshaped transactional practices and contributed to financial inclusion. The adoption of digital payment systems like UPI and e-wallets has led to a surge in online transaction volumes, indicating a gradual move towards a cashless economy. Government initiatives and the COVID-19 pandemic have played crucial roles in promoting digital payments. However, challenges remain in achieving complete financial inclusion with approximately 190

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N. B., Nambie,, Ocansey, E. O. N. D., and Ababio, O. K. "Economic Transformation and Financial Literacy: Impacts on Human Capital Development in Africa." African Journal of Economics and Sustainable Development 8, no. 2 (2025): 17–34. https://doi.org/10.52589/ajesd-8ofzev8h.

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This study examines the interrelationship between economic transformation and financial literacy, as well as their collective influence on the development of human capital in Africa. Utilizing a quantitative research methodology, the analysis incorporated data obtained from sources including the World Development Indicators (WDI) and the United Nations (UN), encompassing the timeframe from 2003 to 2024. The Generalized Method of Moments (GMM) was utilized as the estimation technique to mitigate potential endogeneity and to ensure the robustness of the findings. The findings underscore that alt

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Rathod, Bhushan Revasing, and Sunil Zagade. "The Role of Fintech Innovations in Promoting Inclusive Participation in the Indian Stock Market." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 3 (2025): 49–51. https://doi.org/10.5281/zenodo.15422228.

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<strong><em>Abstract</em></strong> <em>Indian stock market is&ensp;the backbone of the national economy, contributing a crucial role in wealth creation and capital mobilization. Yet the space has historically been overpopulated by traditional institutional investors either at the top end of&ensp;the income spectrum, leaving hardly any space for everyday retail investors, and especially not at the bottom. Though fast growing, retail participation has been low in the market, due to high barriers to entry, low&ensp;financial literacy and perceived risks. This paper investigates how innovations by

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Acharya, Ravi. "Abstracts Indian Management Research." Vikalpa: The Journal for Decision Makers 12, no. 1 (1987): 77–86. http://dx.doi.org/10.1177/0256090919870111.

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Abstracts of management research in India are intended to facilitate research in management. The Indian Council of Social Science Research. New Delhi, sponsors the abstracting service. Vikalpa would very much appreciate it if the authors send a reprint of their articles in management and related disciplines to Vikalpa office. Their inclusion will help render the referencing service complete. The areas of management covered in the abstracts are: Financial Management. Management Accounting, and Control; Marketing; Organization and Administration; Personnel Management and Industrial Relations; pr

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Sailendra, Sailendra, and Syahril Djaddang. "Meningkatkan Ketahanan UMKM Dengan Inklusi Keuangan Digital Pada Masa Pandemi Covid-19 Normal Baru." Pengmasku 2, no. 2 (2022): 140–46. http://dx.doi.org/10.54957/pengmasku.v2i2.251.

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The Covid-19 pandemic has changed the social and economic order, especially since the Large-scale social restriction (LSSR) or PSBB and Work from Home enactment. The MSMEs sector is one of the sectors most affected by the Covid-19 pandemic. As an effect of the Covid-19 pandemic, many MSMEs businesses have a decrease in income and even business closures. Digital financial inclusion is a way to remove obstacles from the Covid-19 pandemic for MSMEs. Because digital financial inclusion provides many benefits for MSMEs, including: Transactions and recording financial statements become more manageab

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Pospíšil, Jiří, Ivana Olecká, Nataša Matulayová, Helena Pospíšilová, Pavlína Jurníčková, and Pavla Macháčková. "Who Are the People at Socio-Economic Risk? Socio-Demographical Analysis of the Czech People in Specific Economical Situations Recognized in Value-Based Risk Prediction Model." Social Sciences 11, no. 5 (2022): 211. http://dx.doi.org/10.3390/socsci11050211.

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The aim of this study was to analyze the dependence of personal economic situation on gender, age, education, occupational status, field of work or study, family situation, and number of children in the family. The research was designed as cross-sectional ex post facto. The survey examined data collected through a structured questionnaire completed and returned by a total of 5175 respondents aged 15+ selected from the general population of the Czech Republic. The statistical significance of hypotheses was tested using χ2 statistics, and the adjusted residuals z in each cell were calculated. Th

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Igu, Joel Akachukwu, S. Zakaria, and Yuval D. Bar-Or. "Systematic review of personal finance training for physicians and a proposed curriculum." BMJ Open 12, no. 12 (2022): e064733. http://dx.doi.org/10.1136/bmjopen-2022-064733.

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BackgroundMany physicians complete medical school and graduate medical education (GME) burdened by high debt and financial illiteracy. This places them at increased risk for ill-informed financial decisions, which can result in increased stress and anxiety and a lower quality of life. Furthermore, financial concerns impact physicians’ specialty selections and may partly explain the scarcity of primary care practitioners. In response, medical wellness programmes have increasingly sought to offer personal finance education, but there is little guidance on optimal curricula. Our objective is to s

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Blesson Skariah, Jithin Joseph, Josson Jose Joseph, Mebin Antony, Noble Joseph, and Susheel George Joseph. "Barriers To E-Governance Adoption in Rural and Marginalized Communities: Challenges and Strategies for Digital Inclusion." International Research Journal on Advanced Engineering and Management (IRJAEM) 2, no. 12 (2024): 3809–17. https://doi.org/10.47392/irjaem.2024.0566.

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The reception of e-governance presents an uncommon chance to further develop public assistance conveyance, straightforwardness, and resident commitment across all locales. Notwithstanding, rustic and minimized networks keep on confronting huge difficulties in getting to these computerized administrations. Key hindrances incorporate restricted advanced foundation, low degrees of computerized proficiency, socio-social opposition, and lacking strategy support, which by and large prevent the fruitful execution of e-governance in these locales. This paper hopes to break down the specific obstacles

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Joyce, Daniel D., Phillip J. Schulte, Eugene D. Kwon, et al. "Financial toxicity and coping mechanisms in patients with metastatic prostate cancer: A pilot study." Journal of Clinical Oncology 41, no. 6_suppl (2023): 125. http://dx.doi.org/10.1200/jco.2023.41.6_suppl.125.

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125 Background: Assessments of financial toxicity among patients with metastatic prostate cancer are lacking. We sought to describe the prevalence and severity of financial toxicity, identify coping mechanisms, and assess characteristics that may be protective of financial toxicity among such patients at our institution. Methods: All patients evaluated in the advanced prostate cancer clinic at Mayo Clinic, Rochester, MN, were approached to complete a survey between February and May 2022. The survey consisted of three parts: 1) demographic, cancer, and treatment characteristics; 2) a coping mec

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Atikah, Ika. "CONSUMER PROTECTION AND FINTECH COMPANIES IN INDONESIA: INNOVATIONS AND CHALLENGES OF THE FINANCIAL SERVICES AUTHORITY." Jurnal Hukum dan Peradilan 9, no. 1 (2020): 132. http://dx.doi.org/10.25216/jhp.9.1.2020.132-153.

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The article has questions from the background of the research as follows: how to protect consumers fintech transactions from financial technology companies? What are the innovations and challenges of the financial services authority in overseeing and issuing regulations related to fintech? The research method used is normative with the statute approach and conceptual approach. The technique of collection primary legal is carried out by collecting OJK regulations regarding fintech companies, and consumer protection. Meanwhile, the technique of collection secondary legal is the concept or theori

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Khan, Dr Imtiaz Ahmad, H. Shah Jalal Ud Din, and Samer Javed. "Legalization of Cryptocurrency in Pakistan and its Impact to Economic Prosperity in Pakistan." Journal of Law & Social Studies 6, no. 4 (2024): 405–15. https://doi.org/10.52279/jlss.06.04.405415.

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The idea of Cryptocurrency comes where financial emancipation meets technological revolution. This virtual asset provides a decentralized financial freedom landscape sans disturbing the operationalization of conventional financial system. Its transparency gives people complete control over their financial lives by facilitating safe, expeditious, and affordable transactions anywhere in the world. Its decentralized structure lacks a central bank or middlemen, encourages financial inclusion, autonomy, and innovation while establishing a new standard for international financial transactions to boo

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