Relevant bibliographies by topics / Financial Inclusion

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Financial Inclusion'

Author: Grafiati
Published: 4 June 2021
Last updated: 3 May 2025

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the lists of relevant articles, books, theses, conference reports, and other scholarly sources on the topic 'Financial Inclusion.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Journal articles on the topic "Financial Inclusion"

1

Sinha, G. K. "DIGITAL FINANCIAL INCLUSION AND INCLUSIVE DEVELOPMENT OF INDIA." BSSS Journal Of Commerce 15, no. 1 (June 30, 2023): 61–66. http://dx.doi.org/10.51767/joc1508.

Full text
Abstract:
With the prospect of reaching billions of new customers, banks and a widening array of non-banks have begun to offer digital financial services for financially excluded and underserved populations, building on the digital approaches that have been used for years to improve access channels for those already served by the formal financial sector. Digital financial services — including those involving the use of mobile phones — have now been launched in more than 80 countries, with some reaching significant scale. Digital financial inclusion involves the deployment of the cost-saving digital means to reach currently financially excluded and underserved populations with a range of formal financial services suited to their needs that are responsibly delivered at a cost affordable to customers and sustainable for providers.
APA, Harvard, Vancouver, ISO, and other styles
2

G.Bharathi, G. Bharathi, and S. Elizabeth Pravena. "Financial Inclusion – Indian Banking Marching Towards Inclusion." Indian Journal of Applied Research 4, no. 1 (October 1, 2011): 207–12. http://dx.doi.org/10.15373/2249555x/jan2014/62.

Full text
APA, Harvard, Vancouver, ISO, and other styles
3

Goel, Anusha. "Financial Inclusion." International Journal of Applied Behavioral Economics 9, no. 4 (October 2020): 33–57. http://dx.doi.org/10.4018/ijabe.2020100103.

Full text
Abstract:
Financial inclusion is a contemporary issue that has featured in the reforms agenda of several countries. Although it has gained momentum over time, the access to finance and basic financial services remained highly skewed across demographic and geographic segments. The purpose of the study is to analyse the performance of states/union territories in each dimension and composite index of financial inclusion. The focus is on ranking Indian states and union territories, identifying the major changes in ranks during 2000-01 to 2016-17, and finding the rate of expansion. The index of financial inclusion is calculated using three dimensions as per Sarma methodology. Log linear regression model is used to determine the growth rate in the measure of inclusion. The findings show that the index of financial inclusion value has enhanced in 28 and declined in four states/union territories out a group of 32 states/union territories. While a robust positive growth is observed in 23 states/union territories, the deterioration turns out to be significant in Chandigarh only.
APA, Harvard, Vancouver, ISO, and other styles
4

Kalia, S. C. "Financial Inclusion." Review of Market Integration 3, no. 3 (December 2011): 237–42. http://dx.doi.org/10.1177/097492921100300303.

Full text
APA, Harvard, Vancouver, ISO, and other styles
5

Zulkhibri, Muhamed. "Financial inclusion, financial inclusion policy and Islamic finance." Macroeconomics and Finance in Emerging Market Economies 9, no. 3 (May 13, 2016): 303–20. http://dx.doi.org/10.1080/17520843.2016.1173716.

Full text
APA, Harvard, Vancouver, ISO, and other styles
6

Rani, Pooja, and Neelam Jain. "FINANCIAL LITERACY: A KEY DRIVER TO FINANCIAL INCLUSION." BSSS Journal of Management 14, no. 1 (June 30, 2023): 8–19. http://dx.doi.org/10.51767/jm1402.

Full text
Abstract:
Financial Inclusion and the level of financial literacy of their citizens has recently become a growing concern for developed and emerging economies. Since financial markets have grown more complex and it has become increasingly difficult for the common person to decide wisely, financial literacy has become more and more important. The purposes of this paper are to provide an outline of financial literacy and financial inclusion and to investigate the contribution that financial literacy makes to the advancement of financial inclusion. In order to achieve this goal, several measures taken by financial authorities to promote financial literacy are studied, which eventually increases financial inclusion in the nation. According to an RBI report, these actions assisted in raising the Financial Inclusion Index to 56.4 in March 2022 from 53.9 in March 2021.Financial inclusion, financial growth, and financial stability are all attributed to financial literacy.
APA, Harvard, Vancouver, ISO, and other styles
7

Abor, Joshua Yindenaba, Mohammed Amidu, and Haruna Issahaku. "Mobile Telephony, Financial Inclusion and Inclusive Growth." Journal of African Business 19, no. 3 (January 2, 2018): 430–53. http://dx.doi.org/10.1080/15228916.2017.1419332.

Full text
APA, Harvard, Vancouver, ISO, and other styles
8

Kumar, Mr Kiran, and Dr Gagan Singh. "INCLUSIVE GROWTH THROUGH FINANCIAL INCLUSION IN UTTARAKHAND." International Journal of Research in Commerce and Management Studies 07, no. 02 (2025): 150–65. https://doi.org/10.38193/ijrcms.2025.7212.

Full text
Abstract:
Uttarakhand, while being one of India's largest and fastest-growing economies, faces significant challenges in its economic development. The state's growth has been uneven and disconnected, lacking uniformity in performance across various sectors. Additionally, the distribution of growth benefits has been selective, favouring certain sectors while leaving others behind. This scenario underscores the urgent need for inclusive growth in Uttarakhand. To achieve inclusive growth, it is essential to mobilize resources effectively, and financial inclusion plays a pivotal role in this process. Financial inclusion ensures that all individuals have access to financial services, which is crucial for equitable resource generation and distribution. By promoting financial inclusion, Uttarakhand can strive for a more balanced and inclusive economic growth. This approach will ensure that the benefits of economic growth reach all sectors of the economy, contributing to the overall development of the state. In summary, addressing the uneven and selective nature of Uttarakhand's economic growth through inclusive measures and financial inclusion is vital for sustainable development.
APA, Harvard, Vancouver, ISO, and other styles
9

Trivedi, Pratima, and Saumya Trivedi. "Financial Literacy an Essential Prerequisite for Financial Inclusion." Global Journal For Research Analysis 3, no. 3 (June 15, 2012): 28–30. http://dx.doi.org/10.15373/22778160/mar2014/11.

Full text
APA, Harvard, Vancouver, ISO, and other styles
10

Harnavela Sofyan, Khariidatul Bahiyyah, and Santy Sriharyati. "FINANCIAL TECHNOLOGY IN FINANCIAL INCLUSION." Jurnal Ekonomi Bisnis dan Manajemen 1, no. 2 (December 21, 2023): 98–104. http://dx.doi.org/10.38204/ekobima.v1i2.1698.

Full text
Abstract:
Financial technology is a technological innovation in financial products and services. Financial technology can become a new solution to increase the growth of financial inclusion. The term financial inclusion became a trend after the 2008 financial crisis. Financial inclusion is the availability of access to various financial institutions, products, and services to the needs and capabilities of the community to improve people's welfare. For this reason, this research examines the role of financial technology in increasing financial inclusion, by explaining how financial technology has an impact on financial inclusion in improving people's welfare. Financial inclusion is a national development strategy aimed at promoting economic growth through equal distribution of income, poverty alleviation, and financial system stability. Financial inclusion in its role requires an increase in financial technology considering that along with technological developments, the banking sector alone is not enough to achieve the goal of financial inclusion. Financial technology plays an important role in expanding access to financial services for the public, this is reflected in the financing provided by several financial technology companies. With this financing, it is hoped that the level of social welfare will also increase along with the influence of fintech in Indonesia's financial inclusion.
APA, Harvard, Vancouver, ISO, and other styles
More sources

Dissertations / Theses on the topic "Financial Inclusion"

1

Abrahams, Rayghana. "Financial inclusion in South Africa." Thesis, Nelson Mandela University, 2017. http://hdl.handle.net/10948/13579.

Full text
Abstract:
The research for this study was guided by the question on whether the financial inclusion improvement strategies of the South African government adequately address the financial inclusion targets, as set out in the National Development Plan. This descriptive non-empirical study was conducted by means of a literature review. The secondary data used for the study were collected from a number of sources, namely: (i) the 2015 Brookings Financial and Digital Inclusion Project report; (ii) the 2014 Global Findex survey; (iii) the InterMedia surveys; (iv) Financial Access surveys; (v) various national FinScope surveys; and (iv) a number of working papers of the World Bank related to financial inclusion. The data revealed that South Africa, with its sophisticated financial sector, was early to adopt policies and initiatives to advance financial inclusion and the country has experienced a noticeable increase in financial inclusion from 61% in 2004 to 87% in 2015. South Africa is 3% away from its National Development Plan goal of 90% financial inclusion by 2030. This indicates that overall, the financial inclusion initiatives adopted by the South African government were successful.
APA, Harvard, Vancouver, ISO, and other styles
2

Collier, Benjamin L. "Financial Inclusion and Natural Disasters." UKnowledge, 2013. http://uknowledge.uky.edu/agecon_etds/14.

Full text
Abstract:
This dissertation explores the implications of natural disaster risk for access to financial services, especially credit. Its results show that disasters can dramatically undermine the ability of financial intermediaries (FIs) to lend after an event, increasing the cost of the disaster and delaying recovery. Moreover, the risk of natural disasters discourages investment in vulnerable regions and economic sectors and so slows economic development. Financial risk transfer mechanisms such as insurance can help maintain lending following an event. While many international development projects have targeted disaster insurance markets to households, managing disaster-related credit risk may be done more effectively through insurance products for FIs. Additionally, prudential supervision and the credit risk rating methods of investors in developing and emerging economies are dominated by developed country standards that overlook natural disaster risks. Public and private interests align in the need to tailor such standards and so enhance the effectiveness with which vulnerable FIs manage disaster risk.
APA, Harvard, Vancouver, ISO, and other styles
3

Yorulmaz, Recep. "Essays on global financial inclusion." Thesis, University of Sheffield, 2016. http://etheses.whiterose.ac.uk/13014/.

Full text
Abstract:
This thesis consists of three main essays on the global dimension of financial inclusion. These empirical analyses are different, yet related to each other. The main focus of the thesis is on constructing a broader multidimensional measure of financial inclusion as a composite index that can be used to assess the ease of and use of the access to financial markets. Additionally, as one of the main contributions of this study, access to other financial institutions such as microfinance institutions, post offices and cooperatives, has been added to the analysis to explore its impact on poverty and Islamic finance. The International Monetary Fund’s International Financial Statistics and Financial Access Survey databases, the World Bank’s Global Financial Development and Global Findex databases, and the survey data by Beck et al. (2006a) are used to collect the indicators of the indices. Using the broader multidimensional financial inclusion indices as a proxy of financial access, the study aims to assess the impact of financial inclusion on poverty reduction in the third chapter. In the next chapter, using the constructed financial inclusion indices as a proxy of financial exclusion, it aims to explore the impact of Islamic finance on financial exclusion to examine why our constructed financial inclusion indices are better measurements of financial access. Using the constructed indices in two different analyses, this thesis tests the arguments in studies that have made original contributions in the literature, to explore the predictability and comparability of these indices as the proxy of financial inclusion.
APA, Harvard, Vancouver, ISO, and other styles
4

Kelly, Sonja E. "Why financial inclusion policy and regulation?" Thesis, American University, 2016. http://pqdtopen.proquest.com/#viewpdf?dispub=10103328.

Full text
Abstract:

This dissertation examines the reasons why low- and middle-income countries adopt financial inclusion policy and regulation. It does so starting with a quantitative model and ending with a comparative case study of the India and Mexico contexts. The quantitative model finds evidence that financial inclusion policy and regulation follows a state’s capacity and a state’s engagement with international organizations and peer states. The case of Mexico complicates these findings, challenging the causal direction of engagement with international organizations—Mexico uses international organizations both to emphasize the importance of financial inclusion policy and regulation within the country and to champion its position in the international community. The outlier case of India shows the prioritization of social inclusion at its extreme, displaying the role a social inclusion framework played even decades ago in creating a more inclusive banking sector. The dissertation concludes by articulating a road map for future scholarship, building on practitioner and international organization enthusiasm for the topic.

APA, Harvard, Vancouver, ISO, and other styles
5

Abu, Seman J. "Financial inclusion : the role of financial system and other determinants." Thesis, University of Salford, 2016. http://usir.salford.ac.uk/42264/.

Full text
Abstract:
The promotion of access to finance is considered as a top priority agenda in many countries. Finding the related and strong factors to enhance financial inclusion is therefore becoming crucial. Despite many studies on the factors associated with financial inclusion, the role of financial system has not been well explored. Leyshon & Thrift (1995) shed new lights on this issue by stating that “Although the criteria for exclusion may vary over time, the financial system has an inherent tendency to discriminate against poor and disadvantaged groups”. This thesis, therefore investigates the role of financial system and other determinants in shaping financial inclusion, based on institutional theory. The design of the study takes account two lacunae in our current understanding of this topic. Firstly, despite the fact that the financial inclusion literature is voluminous, it is perhaps surprising that relatively little research has been carried out on the effect of Islamic finance on financial inclusion, given its possible significant role as one of the contributing factors that creating and shaping financial inclusion. Empirically testing for the effect of Islamic financial sector (as proxied by Islamic banking presence) is challenging because the data on Islamic banking are imperfect since there is no single accepted definition of an Islamic bank nor is there a single and comprehensive database on it. To this juncture, our understanding in this field remains incomplete. Secondly, besides the role of financial system, empirical evidence on the other financial inclusion determinants is relatively lacking and far from conclusive. Notably, a direct or indirect relationships and significance levels are commonly observed. Under the notion of institutional theory, the institutional settings are heterogeneous, and therefore affect the institutional differences and in turn increased structure of the financial inclusion level. In response to these two major issues, this study employs empirical research methods, namely cross-sectional pooled regression, panel data regression, and quantile regression to analyze a set of samples consisting of 80 countries, drawn from the Financial Access Survey (FAS, 2011) over the years 2007 through 2011. The financial inclusion levels are estimated using the cumulative index of financial inclusion (CIFI) which is constructed based on Sarma (2008, 2010) method while the Islamic banking presence variables (i.e., the number, size and profitability of Islamic banks) are used to proxy for the countries’ type of financial system. Although not largely prevalent, using the Islamic banking presence as the proxy for Islamic financial sector has found some empirical support on its relationship with the incidence of financial inclusion. To a certain extent, this thesis presents fresh empirical evidence and renewed interpretation of the role of institutional settings in shaping financial inclusion. As far as the institutional theory is concerned, the use of quantile regression method in the present study represents a novel approach in further investigating the effects of the institutional settings on the levels of financial inclusion. The results reveal that the determinants of financial inclusion, particularly the institutional settings, are heterogeneous across the whole distribution of countries, consistent with the notion of heterogeneity as purported by Zucker (1987) and further extend the view that heterogeneity only evidenced within the organizational level. The findings demonstrate twofold; firstly, institutional settings are shaped and designed to be consistent with financial inclusion enhancement for both at lower and higher level of financial inclusion. Secondly, the quantile regression does not only further supports financial inclusion is institutionally-driven, but more importantly offers renewed insights on the heterogeneity aspect of the institutional theory.
APA, Harvard, Vancouver, ISO, and other styles
6

ABOKYI, ERIC. "Remittances, financial inclusion, household consumption and welfare." Doctoral thesis, Università Politecnica delle Marche, 2021. http://hdl.handle.net/11566/291109.

Full text
Abstract:
Questo studio è sostanzialmente suddiviso in due documenti di ricerca completamente sviluppati. Il primo capitolo ha esaminato l'impatto delle rimesse sulla disuguaglianza nell'accesso ai servizi finanziari nei paesi in via di sviluppo. Il set di dati per lo studio è stato costruito da diverse fonti, tra cui Global Findex, World Development Indicators, World Bank, FMI, The Worldwide Governance Indicators e il dataset delle Nazioni Unite sulla migrazione bilaterale. Pertanto, lo studio ha combinato fonti di dati di livello micro con informazioni di livello macro nell'analisi. Sulla base della disponibilità dei dati, lo studio ha coperto 102 paesi in via di sviluppo per tre anni, vale a dire 2011, 2014 e 2017. Lo studio ha utilizzato tecniche a effetti fissi con e senza variabili strumentali e, a scopo di robustezza, sono state utilizzate nell'analisi diverse definizioni di rimesse. Uno dei risultati chiave è che, sebbene non vi siano prove che le rimesse riducano la variazione complessiva nell'inclusione finanziaria nei paesi in via di sviluppo, riducono significativamente il divario di genere nell'inclusione finanziaria. Sulla base di tali risultati, lo studio ha formulato raccomandazioni politiche appropriate. Il secondo capitolo è uno studio specifico per paese incentrato sul Ghana. Il capitolo ha esaminato l'impatto dell'inclusione finanziaria sul benessere delle famiglie in Ghana, concentrandosi in particolare su come l'inclusione finanziaria influenzi il comportamento di spesa delle famiglie. Lo studio ha utilizzato il set di dati più recente del Ghana Living Standard Survey (ovvero GLSS 7), che è stato raccolto nel 2016/2017. L'analisi è suddivisa in due parti: in primo luogo, è stato studiato l'impatto dell'inclusione finanziaria sul livello di spesa delle famiglie utilizzando la tecnica del propensity score matching (PSM). In secondo luogo, è stato esaminato anche l'impatto dell'inclusione finanziaria sulle quote di bilancio della spesa delle famiglie impiegando un approccio variabile strumentale e PSM per la robustezza. Ognuna di queste due analisi è stata ulteriormente condotta suddividendo il campione complessivo in sottocampioni, in cui è stato esaminato l'effetto dell'inclusione finanziaria sulle famiglie con capofamiglia femminile e sui loro omologhi maschili, e anche l'effetto sulle famiglie rurali e sulle loro controparti urbane. Alcuni dei principali risultati dello studio includono: (1) sia le quote di budget che le analisi del livello di spesa mostrano una relazione inversa tra l'inclusione finanziaria e il consumo alimentare delle famiglie (2) i due risultati mostrano anche che l'effetto dell'inclusione finanziaria è più forte effetti positivi sugli investimenti nell'istruzione per le famiglie con capofamiglia maschile rispetto alle controparti femminili, mentre anche le controparti femminili spendono di più per investimenti in abitazioni e beni di consumo durevoli; (3) È stato anche riscontrato che le famiglie rurali incluse finanziariamente deviano risorse dal consumo di cibo, beni di tentazione e altre categorie di beni agli investimenti in istruzione, alloggio e beni di consumo durevoli in base al risultato delle quote di bilancio. Sulla base dei risultati emersi sono state fornite adeguate raccomandazioni politiche.
This study is broadly divided into two fully developed research papers. The first chapter examined the impact of remittances on inequality in access to financial services in developing countries. The dataset for the study was built from several sources, including Global Findex, World Development Indicators, World Bank, IMF, The Worldwide Governance Indicators and United Nations dataset on bilateral migration. Thus, the study combined micro-level data sources with macro-level information in the analysis. Based on data availability, the study covered 102 developing countries for three years, namely 2011, 2014 and 2017. The study employed fixed effects techniques with and without instrumental variables, and for robustness purpose different definitions of remittances were used in the analysis. One of the key findings is that while there is no evidence that remittances reduce overall variation in financial inclusion in developing countries, they significantly reduce the gender gap in financial inclusion. Based on such findings, the study made appropriate policy recommendations. The second chapter is a country specific study focused on Ghana. The chapter examined the impact of financial inclusion on household welfare in Ghana, by specifically focusing on how financial inclusion affects household expenditure behavior. The study used the most recent Ghana Living Standard Survey dataset (i.e. GLSS 7), which was collected in 2016/2017. The analysis is divided into two parts: first, the impact of financial inclusion on the level of household expenditure was investigated using propensity score matching (PSM) technique. Second, the impact of financial inclusion on household expenditure budget shares was also examined by employing an instrumental variable approach and PSM for robustness. Each of these two analyses were further performed by dividing the overall sample into subsamples, where the effect of financial inclusion on female-headed households and their male-counterparts was examined, and the effect on rural households and their urban counterparts was also investigated. Some of the major findings from the study include: (1) both the budget shares and the level of expenditure analyses show an inverse relationship between financial inclusion and household food consumption (2) the two results also show that the effect of financial inclusion yields stronger positive effects on investment in education for male-headed households compared to their female counterparts, while their female counterparts also spend more on investment in housing and consumer durables; (3) financially included rural households were also found to divert resources away from food consumption, temptation goods and the other goods category to investment in education, housing and consumer durables according to the budget shares result. Appropriate policy recommendations were provided based on the findings that emerged.
APA, Harvard, Vancouver, ISO, and other styles
7

Kemal, Atika A. "Mobile banking for financial inclusion in Pakistan." Thesis, Anglia Ruskin University, 2016. http://arro.anglia.ac.uk/701000/.

Full text
Abstract:
Whilst the digitisation of government-to-person (G2P) payments, or government social cash, is becoming increasingly significant for governments to advance financial inclusion in developing countries, the role of mobile banking (m-banking) to promote this agenda remains under researched. The extant literature available on m-banking was delimited to person-to-person (P2P) payments that examined m-banking through an economic or technological lens from providers’ perspectives. Hence, in this study, I have used the Duality of Technology (DoT) as a socio-technical lens to analyse m-banking innovation from both providers’ and users’ perspectives. The methodology used was a case study of the Benazir Income Support Programme (BISP) in Pakistan that disbursed G2P payments to poor women only. The study aimed to investigate the influence of the external and internal institutional forces on the social construction of m-banking, how m-banking enabled and/or constrained programme managers and women beneficiaries, and the effects of m-banking on the institutional properties of poor households for structural transformation, or financial inclusion in BISP households in Pakistan. Primary data was collected from key participants located in the m-banking pilot sites of Islamabad and Rawalpindi in Pakistan. In total, 33 semi-structured interviews were conducted with BISP managers, women beneficiaries, bankers, mobile operator and international agency staff, and 2 focus groups were organised with women beneficiaries. Additionally, secondary data was drawn from company reports, official documents and formal and informal media sources. The qualitative data was thematically analysed, and the data collated from multiple sources and methods established the validity, credibility, trustworthiness and reliability of the conceptual outcomes in the case study. The findings, interpreted through DoT, disclosed that m-banking was socially constructed to meet managerial objectives, and being socially-embedded in the BISP context, it was transformative in enabling managers to achieve transparency, visibility, security and efficiency in delivering G2P payments. From women beneficiaries’ perspectives, m-banking provided flexibility and convenience to receive full payments, but embedded certain socio-economic, technological and human constraints that restricted their access to and usage of financially inclusive services that limited financial inclusion. However, owing to women’s empowerment and social change, social inclusion was perceived to be progressively transformative. Although the findings informed the DoT framework, we conclude that the Information Communications and Technology for Development (ICT4D) discourse was deterministic for beneficiaries, unless combined with the Capabilities vision. As contribution to the study, we shed light on how m-banking may be redesigned to embed resources to expand women beneficiaries’ capabilities and skills, in addition to, providing access to financial resources for steering micro-entrepreneurial activities. Also, financial and digital training should be imparted to beneficiaries to advance the inclusion agenda in Pakistan.
APA, Harvard, Vancouver, ISO, and other styles
8

Kemal, Atika A. "Mobile banking for financial inclusion in Pakistan." Thesis, Anglia Ruskin University, 2016. https://arro.anglia.ac.uk/id/eprint/701000/1/Kemal_2016.pdf.

Full text
Abstract:
Whilst the digitisation of government-to-person (G2P) payments, or government social cash, is becoming increasingly significant for governments to advance financial inclusion in developing countries, the role of mobile banking (m-banking) to promote this agenda remains under researched. The extant literature available on m-banking was delimited to person-to-person (P2P) payments that examined m-banking through an economic or technological lens from providers’ perspectives. Hence, in this study, I have used the Duality of Technology (DoT) as a socio-technical lens to analyse m-banking innovation from both providers’ and users’ perspectives. The methodology used was a case study of the Benazir Income Support Programme (BISP) in Pakistan that disbursed G2P payments to poor women only. The study aimed to investigate the influence of the external and internal institutional forces on the social construction of m-banking, how m-banking enabled and/or constrained programme managers and women beneficiaries, and the effects of m-banking on the institutional properties of poor households for structural transformation, or financial inclusion in BISP households in Pakistan. Primary data was collected from key participants located in the m-banking pilot sites of Islamabad and Rawalpindi in Pakistan. In total, 33 semi-structured interviews were conducted with BISP managers, women beneficiaries, bankers, mobile operator and international agency staff, and 2 focus groups were organised with women beneficiaries. Additionally, secondary data was drawn from company reports, official documents and formal and informal media sources. The qualitative data was thematically analysed, and the data collated from multiple sources and methods established the validity, credibility, trustworthiness and reliability of the conceptual outcomes in the case study. The findings, interpreted through DoT, disclosed that m-banking was socially constructed to meet managerial objectives, and being socially-embedded in the BISP context, it was transformative in enabling managers to achieve transparency, visibility, security and efficiency in delivering G2P payments. From women beneficiaries’ perspectives, m-banking provided flexibility and convenience to receive full payments, but embedded certain socio-economic, technological and human constraints that restricted their access to and usage of financially inclusive services that limited financial inclusion. However, owing to women’s empowerment and social change, social inclusion was perceived to be progressively transformative. Although the findings informed the DoT framework, we conclude that the Information Communications and Technology for Development (ICT4D) discourse was deterministic for beneficiaries, unless combined with the Capabilities vision. As contribution to the study, we shed light on how m-banking may be redesigned to embed resources to expand women beneficiaries’ capabilities and skills, in addition to, providing access to financial resources for steering micro-entrepreneurial activities. Also, financial and digital training should be imparted to beneficiaries to advance the inclusion agenda in Pakistan.
APA, Harvard, Vancouver, ISO, and other styles
9

Mahalika, Ratema David. "Investigating the relationship between financial inclusion and poverty in South Africa." University of the Western Cape, 2020. http://hdl.handle.net/11394/7990.

Full text
Abstract:
Masters of Commerce
The literature on financial inclusion and poverty connections has received considerable attention recently. There exist a scarcity of local studies examining the relationship between financial inclusion (FI) and poverty. Precisely, there is a lack of local studies who previously used FinScope data to investigate the mentioned relationship in South Africa. This study is motivated to fill the gap. To achieve the aims, the study will source data from FinScope (a secondary data) for the periods of 2011 and 2016. The Foster-Greer-Thorbecke indices were used to measure the level of poverty, while the lower-bound poverty (LBPL) line was used to differentiate the poor from the non-poor. Principal Component Analysis (PCA) was also applied to derive the financial inclusion index (FII). Probit regressions were run to measure the likelihood of being poor and being financially excluded. Ordinary Least Squares were run to identify the nature of the relationship between the dependent and the independent variables. Lastly, bivariate regression was also run to test the relationship between poverty and financial exclusion. The empirical findings indicated that the South African financial system is inclusive. Unemployment and financial language restricted financial service access. The frequently used financial services were borrowing and funeral cover. Black African female with low education residing in rural areas and unemployed were poorer. The rich elderly white man from the urban areas of the Western Cape and Gauteng who are highly educated, were more likely to be financially included. The regression analysis showed that the female was more likely to be financially included yet poor. It is also found that Gauteng residents were less likely to be poor. Also, individuals from a bigger household were less likely to be excluded. The other results showed that individuals with higher real per capita income enjoyed much lower probability of being financially excluded, and they are mainly white individuals living in urban areas.
APA, Harvard, Vancouver, ISO, and other styles
10

Tverezovskaа, O., Олексій Олександрович Захаркін, Алексей Александрович Захаркин, Oleksii Oleksandrovych Zakharkin, Лариса Степанівна Отрощенко, Лариса Степановна Отрощенко, and Larysa Stepanivna Otroshchenko. "Financial inclusion as a driver for the financial security provision in Ukraine." Thesis, Sumy State University, 2019. https://essuir.sumdu.edu.ua/handle/123456789/77664.

Full text
Abstract:
According to the practice of developed countries, one of the main drivers of financial security is the implementation of the principles of financial inclusion, which is an extension of access of ordinary citizens and other participants of business process to financial products and services, regardless of income, age, place of residence or type of activity. This approach greatly expands the long-established economic growth patterns and focuses on the equality, importance, uniqueness and value of each economic entity for society, as well as introducing opportunities to further delectations of their own needs.
APA, Harvard, Vancouver, ISO, and other styles
More sources

Books on the topic "Financial Inclusion"

1

Singha, A. Rajmani. Financial inclusion for inclusive growth. New Delhi: Concept Publishing Company, 2013.

Find full text
APA, Harvard, Vancouver, ISO, and other styles
2

Sameer, Kochhar, and Academic Foundation (New Delhi, India), eds. Financial inclusion. New Delhi: Academic Foundation, 2009.

Find full text
APA, Harvard, Vancouver, ISO, and other styles
3

Muschert, Glenn W., Vijay Pereira, Vikash Ramiah, and Asli Cansin Doker, eds. Financial Inclusion. Cham: Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-68803-4.

Full text
APA, Harvard, Vancouver, ISO, and other styles
4

Mhlanga, David. Digital Financial Inclusion. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-16687-7.

Full text
APA, Harvard, Vancouver, ISO, and other styles
5

Gopalan, Sasidaran, and Tomoo Kikuchi, eds. Financial Inclusion in Asia. London: Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/978-1-137-58337-6.

Full text
APA, Harvard, Vancouver, ISO, and other styles
6

Teki, S. Microfinance and financial inclusion. New Delhi: Academic Foundation in association with Institute of Public Enterprise, 2012.

Find full text
APA, Harvard, Vancouver, ISO, and other styles
7

Zhu, Hongmei, and Wenting Zhang. Financial Inclusion in China. Singapore: Springer Nature Singapore, 2023. http://dx.doi.org/10.1007/978-981-99-5663-0.

Full text
APA, Harvard, Vancouver, ISO, and other styles
8

Sharma, Vikas, Munish Gupta, Nilesh Arora, and Aijaz A. Shaikh. FinTech and Financial Inclusion. London: Routledge, 2025. https://doi.org/10.4324/9781003514114.

Full text
APA, Harvard, Vancouver, ISO, and other styles
9

Mohammed, Essam Yassin, and Zenebe Bashaw Uraguchi, eds. Financial Inclusion for Poverty Alleviation. New York : Routledge, 2018.: Routledge, 2017. http://dx.doi.org/10.9774/gleaf.9781315103457.

Full text
APA, Harvard, Vancouver, ISO, and other styles
10

S., Ananda, and Dharmendra Singh, eds. Financial Inclusion in Emerging Markets. Singapore: Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-16-2652-4.

Full text
APA, Harvard, Vancouver, ISO, and other styles
More sources

Book chapters on the topic "Financial Inclusion"

1

Abis, Danilo, and Patrizia Pia. "Financial Inclusion." In Digital Transformation and the Economics of Banking, 67–80. London: Routledge, 2023. http://dx.doi.org/10.4324/9781003340454-5.

Full text
APA, Harvard, Vancouver, ISO, and other styles
2

Sapre, Nikhil. "Financial inclusion." In A Practical Guide to Financial Services, 172–92. London: Routledge, 2021. http://dx.doi.org/10.4324/9781003227663-8.

Full text
APA, Harvard, Vancouver, ISO, and other styles
3

Arora, Rashmi. "Financial inclusion." In Financial Inclusion for Poverty Alleviation, 51–67. New York : Routledge, 2018.: Routledge, 2017. http://dx.doi.org/10.9774/gleaf.9781315103457_5.

Full text
APA, Harvard, Vancouver, ISO, and other styles
4

Tudu, Basanti, Parikshita Khatua, and Liji Panda. "Financial Inclusion." In FinTech and Financial Inclusion, 165–78. London: Routledge, 2025. https://doi.org/10.4324/9781003514114-12.

Full text
APA, Harvard, Vancouver, ISO, and other styles
5

Agarwal, Sumit, Wenlan Qian, and Ruth Tan. "Financial Inclusion and Financial Technology." In Household Finance, 307–46. Singapore: Springer Singapore, 2020. http://dx.doi.org/10.1007/978-981-15-5526-8_9.

Full text
APA, Harvard, Vancouver, ISO, and other styles
6

Goldfinch, Peter. "Social Objectives Supporting Financial Inclusion." In Digital Financial Inclusion, 22–38. London: Routledge, 2024. http://dx.doi.org/10.4324/9781003471073-3.

Full text
APA, Harvard, Vancouver, ISO, and other styles
7

Goldfinch, Peter. "Kenya and India, Opposing Approaches." In Digital Financial Inclusion, 84–104. London: Routledge, 2024. http://dx.doi.org/10.4324/9781003471073-9.

Full text
APA, Harvard, Vancouver, ISO, and other styles
8

Goldfinch, Peter. "Observations and Final Comment." In Digital Financial Inclusion, 109–12. London: Routledge, 2024. http://dx.doi.org/10.4324/9781003471073-11.

Full text
APA, Harvard, Vancouver, ISO, and other styles
9

Goldfinch, Peter. "Current Assessment." In Digital Financial Inclusion, 3–21. London: Routledge, 2024. http://dx.doi.org/10.4324/9781003471073-2.

Full text
APA, Harvard, Vancouver, ISO, and other styles
10

Goldfinch, Peter. "Near Real Time (NRT) Payments." In Digital Financial Inclusion, 70–79. London: Routledge, 2024. http://dx.doi.org/10.4324/9781003471073-7.

Full text
APA, Harvard, Vancouver, ISO, and other styles

Conference papers on the topic "Financial Inclusion"

1

Kumar, Rakesh, Ayushi Sharma, Vikas Tripathi, Pooja Devi, and Narendra Singh. "Power of Fintech in the Financial Inclusion." In 2025 International Conference on Intelligent Control, Computing and Communications (IC3), 40–44. IEEE, 2025. https://doi.org/10.1109/ic363308.2025.10956819.

Full text
APA, Harvard, Vancouver, ISO, and other styles
2

Sarkar, Arup, Prantik Kumar Mahata, and Soham Basuri. "Blockchain-Based Identity Verification for Financial Inclusion." In 2025 International Conference on Emerging Systems and Intelligent Computing (ESIC), 542–47. IEEE, 2025. https://doi.org/10.1109/esic64052.2025.10962749.

Full text
APA, Harvard, Vancouver, ISO, and other styles
3

Widiyatmoko, Tri, Untung Rahardja, Nanda Septiani, Dewi Immaniar Desrianti, and Muhammad Faizal Fazri. "The Role of Financial Literacy and Fintech in Promoting Financial Inclusion." In 2024 2nd International Conference on Technology Innovation and Its Applications (ICTIIA), 1–5. IEEE, 2024. https://doi.org/10.1109/ictiia61827.2024.10761370.

Full text
APA, Harvard, Vancouver, ISO, and other styles
4

Eltomy, Karim, Mohamed Mamdouh Awny, and Hebatalla Kaoud. "Leveraging Financial Technology for Financial Inclusion in the Egyptian Banking Sector." In 2024 IEEE International Conference on Technology Management, Operations and Decisions (ICTMOD), 1–6. IEEE, 2024. https://doi.org/10.1109/ictmod63116.2024.10878141.

Full text
APA, Harvard, Vancouver, ISO, and other styles
5

Kshirsagar, Bhakti, Santosh Gopalkrishnan, Vinita Kale, Pooja Kulkarni, Megha Jaiwani, and Sagar Vijay Kulkarni. "Harnessing technology for financial empowerment: A study on digitally driven financial inclusion." In 2024 International Seminar on Application for Technology of Information and Communication (iSemantic), 241–46. IEEE, 2024. https://doi.org/10.1109/isemantic63362.2024.10761999.

Full text
APA, Harvard, Vancouver, ISO, and other styles
6

Nayan, Rajiv, Sony Varghese, B. Gaikar Vilas, R. Lavanya, Saptorshi Das, and Aniruddha Bodhankar. "Investigating the Role of ATM Networks in Increasing Financial Inclusion." In 2024 15th International Conference on Computing Communication and Networking Technologies (ICCCNT), 1–4. IEEE, 2024. http://dx.doi.org/10.1109/icccnt61001.2024.10724056.

Full text
APA, Harvard, Vancouver, ISO, and other styles
7

Leder, Marco, Daria Schumm, Bruno Rodrigues, and Burkhard Stiller. "AfriBit: A People-Oriented Wallet Fostering Financial Inclusion in Kibera." In 2024 6th Conference on Blockchain Research & Applications for Innovative Networks and Services (BRAINS), 1–9. IEEE, 2024. http://dx.doi.org/10.1109/brains63024.2024.10732060.

Full text
APA, Harvard, Vancouver, ISO, and other styles
8

Hossain, Mohammad Enayet, Razali Haron, Nur Farhah Binti Mahadi, Rizal Mohd Nor, Sohel Rana, and Md Golam Martoza. "FinTech Innovation and Financial Inclusion in Malaysia: A Systematic Review." In 2024 3rd International Conference on Creative Communication and Innovative Technology (ICCIT), 1–6. IEEE, 2024. http://dx.doi.org/10.1109/iccit62134.2024.10701083.

Full text
APA, Harvard, Vancouver, ISO, and other styles
9

Alotaibi, Ibrahim Saleem. "Financial Inclusion through Fintech Services in Saudi Arabia: Empirical Study." In 2024 International Conference on Intelligent & Innovative Practices in Engineering & Management (IIPEM), 1–6. IEEE, 2024. https://doi.org/10.1109/iipem62726.2024.10925721.

Full text
APA, Harvard, Vancouver, ISO, and other styles
10

Rawat, Ruchira, Himanshu Rai Goyal, Sachin Sharma, and Bina Kotiyal. "An Intelligent Self-Aware Financial Inclusion System for Digital Society." In 2025 International Conference on Automation and Computation (AUTOCOM), 1164–68. IEEE, 2025. https://doi.org/10.1109/autocom64127.2025.10956854.

Full text
APA, Harvard, Vancouver, ISO, and other styles

Reports on the topic "Financial Inclusion"

1

Philippon, Thomas. On Fintech and Financial Inclusion. Cambridge, MA: National Bureau of Economic Research, September 2019. http://dx.doi.org/10.3386/w26330.

Full text
APA, Harvard, Vancouver, ISO, and other styles
2

Ainul, Sigma, Md Hossain, Sajeda Amin, and Ubaidur Rob. Financial inclusion of female garment workers. Population Council, 2013. http://dx.doi.org/10.31899/pgy3.1010.

Full text
APA, Harvard, Vancouver, ISO, and other styles
3

Chotelal, Shreshta, Marla Dukharan, Jeetendra Khadan, and Melissa Marchand. Financial Inclusion and FinTech in Suriname. Inter-American Development Bank, February 2022. http://dx.doi.org/10.18235/0003988.

Full text
Abstract:
This paper examines the potential role FinTech can play to support Surinames financial inclusion efforts. Financial technologyor “FinTech”describes the integration of technology into financial services to improve their use and delivery to customers. More importantly, it has the potential to meet the needs of those population segments that are not the main target of traditional financial services models. FinTech applications include mobile banking, mobile money, point-of-sale, e-commerce, and digital currencies. These solutions have contributed to financial inclusion, strengthening financial development, economic growth, poverty reduction, and socioeconomic development. We find that Suriname is making progress in promoting the development and use of FinTech. Still, there is room for further improvement, especially in fostering an enabling environment to harness FinTech opportunities, strengthening broader financial sector policies, addressing potential risks, promoting international collaboration, and addressing critical country-specific challenges.
APA, Harvard, Vancouver, ISO, and other styles
4

Megersa, Kelbesa. Financial Inclusion in a Refugee Response. Institute of Development Studies, August 2021. http://dx.doi.org/10.19088/k4d.2021.122.

Full text
Abstract:
The growing scope, frequency, and complexity of forced displacement, both inside and outside of countries, has pushed donors and other development groups to rethink their approaches to humanitarian crises, particularly on refugee response. Financial inclusion is widely regarded as a particularly critical tool that development organisations can employ to mitigate the catastrophic impact of humanitarian crises on refugees. Financial inclusion would provide a wide range of financial products – such as savings, remittances, loans, and insurance – to both refugees and citizens of host countries, which are critical for disadvantaged populations seeking to mitigate shocks, acquire assets, and support local economic development. Changes in how humanitarian aid is distributed are opening the path for greater financial inclusion. Donors and humanitarian organisations are shifting away from emergency cash transfers and toward digital payments via electronic cards. This opens new opportunities to connect refugees and displaced people to a bigger pool of financial services. This rapid literature review summarises the available evidence on toolkits that assist the response by humanitarian and development agencies to financial inclusion of refugees. In addition to the documents defined explicitly as “toolkits”, it also includes reports and online articles which contain useful guidance, since there were few “toolkits” available. Generally, there is lack of resources that directly address the query, i.e., “financial inclusion” in a “refugee response” context. Although there is a growing literature and evidence on the financial inclusion theme, much of it does not directly relate to refugees. Furthermore, most guidance notes and toolkits prepared for refugee response by humanitarian/development agencies do not directly and explicitly deal with financial inclusion, but rather focus on operational and programming issues of wider relief responses. The review is presented as an annotated bibliography format and includes toolkits, guidance notes, technical reports, and online articles by humanitarian and international development agencies.
APA, Harvard, Vancouver, ISO, and other styles
5

Brunnermeier, Markus, Nicola Limodio, and Lorenzo Spadavecchia. Mobile Money, Interoperability, and Financial Inclusion. Cambridge, MA: National Bureau of Economic Research, September 2023. http://dx.doi.org/10.3386/w31696.

Full text
APA, Harvard, Vancouver, ISO, and other styles
6

Mas, Ignacio. Using Broadband to Enhance Financial Inclusion. Inter-American Development Bank, January 2016. http://dx.doi.org/10.18235/0007007.

Full text
Abstract:
The progress of financial inclusion in the Latin American and Caribbean region is constrained by the high cost of providing and accessing financial services. On the client side, micro- and small-sized firms, as well as low-income households, face high transaction costs as a result of the challenges of getting to points of service and meeting documentation requirements. On the provider side, the lack of economies of scale for financial service transactions and the difficulty to obtain reliable information on these kinds of clients generate high operational costs. These elevated costs can undermine the profitability of serving these market segments that, in turn, weaken competition. This paper provides basic information relating to the prospects and constraints of using broadband channels and applications to increase financial inclusion in the region. It is a useful resource for policymakers, financial institutions, and the broader development community in the Latin American and Caribbean region.
APA, Harvard, Vancouver, ISO, and other styles
7

Yogo, Motohiro, Andrew Whitten, and Natalie Cox. Financial Inclusion Across the United States. Cambridge, MA: National Bureau of Economic Research, December 2024. https://doi.org/10.3386/w33256.

Full text
APA, Harvard, Vancouver, ISO, and other styles
8

Bhatta, Dr Guna Raj. Financial Inclusion and Total Factor Productivity in Nepal. Asian Productivity Organization, February 2025. https://doi.org/10.61145/dwnv5578.

Full text
Abstract:
Financial inclusion is a key driver of productivity in Nepal, yet its impact remains uneven across provinces. This study examines the relationship between financial inclusion and total factor productivity (TFP), revealing a positive correlation. While government efficiency and urbanization enhance productivity, human development shows no direct impact. The findings highlight the need for targeted financial policies, digital banking expansion, and regulatory reforms to ensure inclusive economic growth.
APA, Harvard, Vancouver, ISO, and other styles
9

Bucheli, José R., and Matías Fontenla. Return Migration and Financial Inclusion in Mexico. Inter-American Development Bank, October 2020. http://dx.doi.org/10.18235/0002729.

Full text
APA, Harvard, Vancouver, ISO, and other styles
10

Gisbert, Josep, and José E. Gutiérrez. Bridging the Gap? Fintech and financial inclusion. Madrid: Banco de España, August 2024. http://dx.doi.org/10.53479/37433.

Full text
Abstract:
The rise of FinTech lenders offers an opportunity to promote financial access but may disrupt banks’ banking efforts. This paper presents a banking model where an incumbent bank specializes in certain niche markets. When a FinTech lender enters, competition intensifies, reducing the bank’s gains from serving some of its niches. Although FinTech lending can help serve certain unattended niches, the bank may abandon others, creating an ambiguous impact on financial inclusion. Financial inclusion may even decline when the FinTech lender is less efficient at serving new niches and better able to compete with the bank for its customers.
APA, Harvard, Vancouver, ISO, and other styles
You might also be interested in the extended bibliographies on the topic 'Financial Inclusion' for particular source types:
Journal articles Dissertations / Theses Books
We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!

To the bibliography