Relevant bibliographies by topics / Financial Inclusion Plan

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

Academic literature on the topic 'Financial Inclusion Plan'

Author: Grafiati
Published: 3 June 2025
Last updated: 31 July 2025

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Journal articles on the topic "Financial Inclusion Plan"

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Afandy, Chairil, Kamaludin, Sapuan, and Siti Yuningsih. "Unraveling the Link between Financial Literacy and Financial Inclusion: The Mediating Role of Financial Self-Efficacy." 15TH GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES ON 14 - 15 SEPTEMBER 2023, NOVOTEL BANGKOK PLATINUM PRATUNAM, THAILAND 15, no. 1 (2023): 24. http://dx.doi.org/10.35609/gcbssproceeding.2023.1(24).

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Financial inclusion remains a critical priority in poverty alleviation efforts (Bongomin, et al., 2018). G20, APEC, AFI, OECD, and ASEAN forums have recognized financial inclusion as an essential strategy to reduce income disparities and improve social welfare (www.kemenkeu.go.id). When people have access to financial services, they can manage their economic life more efficiently and are less vulnerable to financial shocks (Demirguc-Kunt, et.al.,2015). The level of financial inclusion in Indonesia has improved to 85.1% based on the 2022 National Survey of Financial Literacy and Inclusion, a 7.
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Silwimba, Peter Chipungu. "The goal of financial inclusion in Zambia’s 8th national development plan." International Journal of Business Ecosystem & Strategy (2687-2293) 5, no. 4 (2023): 90–104. http://dx.doi.org/10.36096/ijbes.v5i4.442.

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Zambia has not trailed behind other nations in promoting financial inclusion, one of its deliverables in its 2022-2026 Eighth National Development Plan. The analysis focused on the likelihood of reaching this goal and the implications for bank operating stability. A mixed research (quantitative and qualitative) approach was used and drew respondents from several remote areas in Zambia. A hypothesis test on the observed against the hypothesised mean (p-value = 1.93e-38 and <0.005) rejected the null to accept the alternative presupposition that banks have a relevant role in achieving financia
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Mohana, Krishna Irrinki, and Burlakanti Kuberudu. "PROGRESS OF FINANCIAL INCLUSION THROUGH FIPs OF SCHEDULED COMMERCIAL BANKS." International Journal of Research - Granthaalayah 5, no. 8 (2017): 146–57. https://doi.org/10.5281/zenodo.885035.

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All the stakeholders of the economy had identified the need and importance of financial inclusion in the overall development of any country. Banking sector plays a very vital role in the success of financial inclusion. Government and RBI had formulated various programs, schemes and financial services for the financial betterment of the low income groups. Various initiations were taken in implementing financial inclusion and banks were asked to set self-regulated targets through financial inclusion plans through which the unbanked villages across the country were assigned to various banks and t
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Neha, Sharma, and Ruchi Goyal Dr. "PRADHAN MANTRI JAN DHAN YOJANA (PMJDY) - A CONCEPTUAL STUDY." International Journal of Research - Granthaalayah 5, no. 4 (2017): 143–52. https://doi.org/10.5281/zenodo.569988.

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A successful development is marked with the establishment of a stable and useful financial system for the entire population. Indian government implemented many initiatives since independence for financial inclusion and recently launched Pradhan Mantri Jan-Dhan Yojana (PMJDY) to overcome the loopholes of previous initiatives. PMJDY is major financial plan with the objective of covering all households in the country with banking facilities along with inbuilt insurance coverage. With this background, the study has been conducted and tries to find out the success rate of inclusion process in rural
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SPEIAN, Olesea. "FINANCIAL INCLUSION IN THE REPUBLIC OF MOLDOVA: RECENT IMPACTS AND EVIDENCE." Revista Economica 73, sp (2021): 290–300. http://dx.doi.org/10.56043/reveco-2021-0061.

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This paper analyses the relationships between remittances and financial inclusion in the Republic of Moldova. Using a dataset are created the linear regression models, that show the interdependency of the level of the remittances and the level of financial inclusion. It is also mentioned that the level of financial education places an important role in using financial services. From the policy perspective, is suggested that the Government has to implement the National Financial Inclusion Strategies in order to elaborate an action plan that takes into account all the ways for increasing the lev
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Tomy Thomas. "The Role of Financial Inclusion in Reducing Migrant Workers Financial Strain." Journal of Information Systems Engineering and Management 10, no. 9s (2025): 610–15. https://doi.org/10.52783/jisem.v10i9s.1286.

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Financial inclusion has an important part in alleviating financial stress skilled by migrant workers by providing them with affordable, accessible, and reliable financial services, (Bonnefond, 2014). Migrant workers face challenges like lack of savings mechanisms, high remittance fees, and limited access to credit and insurance, (Wellalage, and Locke, 2020). Financial inclusion initiatives, such as microfinance, mobile banking, and tailored financial products, empower workers to manage their earnings more effectively, send remittances securely, and plan for their futures, (Dahiya, 2020). High
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I., Joseline Steffi. "An Overview of Financial Inclusion on Poverty Alleviation in India." Innovation in Economy & Policy Research 1, no. 1 (2020): 5–11. https://doi.org/10.5281/zenodo.3736119.

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Overall development is able to done only through appropriate mechanisms which channelizes all the resources from top to bottom. Financial inclusion is an ultra-modern concept which makes substitute techniques to develop the banking habits of the rural people because India is considered to be the largest rural people’ country in the world. Financial inclusion is focused at giving banking and financial service to all the people in a proper, recognizable and proper manner at modest cost. Family with low income often lack approach to bank account and have to run through time and money for mu
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Gokhru, Narendra, and Prateek Kanchan. "A STUDY ON IMPACT OF SHGs ON WOMEN'S FINANCIAL INCLUSION." International Journal of Management, Public Policy and Research 2, SpecialIssue (2023): 1–6. http://dx.doi.org/10.55829/ijmpr.v2ispecialissue.128.

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The Indian government has made it a priority to guarantee that all residents have access to fundamental financial services ever since the start of the 12th Five-Year Plan (2012-17). Financial inclusion is demonstrated by having access to inexpensive insurance, credit, and basic savings accounts. This is crucial for the disadvantaged and marginalised elements of society. The central and state governments have introduced a number of initiatives to support financial inclusion, including the Pradhan Mantri Jan Dhan Yojana, Business Correspondent and Business Facilitator Model, Branchless Banking,
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Nwambeke, Godfrey Chinedu, Patrick Ejike Okoye, Fabian Udum Ulo, and Louis Chinedu Nkwagu. "CENTRAL BANK OF NIGERIA FINANCIAL INCLUSION STRATEGY: A PERFORMANCE REVIEW (2012 - 2022)." ANAN Journal of Accounting 12, no. 2 (2024): 1–14. https://doi.org/10.70518/ajoa.v12i2.01.

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The performance of the National Financial Inclusion Strategy (NFIS) of the Central Bank of Nigeria from 2012 to 2022 was assessed in this paper. The study's specific objectives were to assess the performance of the Central Bank of Nigeria's financial inclusion plan with regard to financial access, financial usage, and extent of financial inclusion. The study employed content analysis, which involves examining earlier works. The study found that financial usage has significantly expanded and that due to technological advancements, several aspects of the plan, such as point-of-sale terminals, ar
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Hernández-Mejía, Sergio, and Elena Moreno-García. "Financial literacy and retirement planning in Mexico." Economics & Sociology 16, no. 3 (2023): 65–81. http://dx.doi.org/10.14254/2071-789x.2023/16-3/4.

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According to the Mexican National Survey of Financial Inclusion 2021, Mexicans’ behavior regarding retirement savings is of great concern because only one-third of the Mexican population saves for their retirement. This study measures the financial literacy level among Mexicans and determines its relationship with retirement planning and socio-demographic variables. A multinomial logit micro-econometric model was estimated and data from the last Mexican National Survey of Financial Inclusion 2021 were used. The results indicate that women, rural residents, poorly educated people, and low-incom
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Dissertations / Theses on the topic "Financial Inclusion Plan"

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Cribillero, Hernani José Ignacio, Chacón Fernando Paniagua, Abazalo Miguel Ángel Huertas, Herrera Boris Zevallos, and Del Castillo Julio César Robles. "Plan de negocio para la implementación de una plataforma de financiamiento participativo financiero a través de préstamos en Lima Metropolitana, 2020." Master's thesis, Universidad Peruana de Ciencias Aplicadas (UPC), 2019. http://hdl.handle.net/10757/627805.

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El presente documento tiene como objetivo desarrollar un plan de negocio para la implementación de una plataforma de financiamiento participativo financiero (crowdlending), que conectará a los peruanos que requieran de financiamiento (acreditados) para cumplir sus sueños a corto plazo con el apoyo de otros peruanos que disponen de fondos (prestamistas) a cambio de rentabilidad en su inversión. Conectamos a cada prestamista con varios acreditados, a través de nuestra plataforma digital (website y app móvil) que será intuitiva, simple y segura, que permita el seguimiento tanto de sus préstamos p
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Larsson, Rebecca, and Linnea Månsson. "Understanding the Implications of Sustainability Inclusion : A Case Study of the Role of the Financial Advisor and Sustainability." Thesis, KTH, Industriell ekonomi och organisation (Inst.), 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-300150.

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The role of the financial advisor is subject to fiduciary duty, which means that the advisor always should act in the best interest of the client and has traditionally referred to the financial aspects. Finance is now experiencing a revolution, where the concept of sustainable finance is on the agenda of many actors when the sustainability amendments to MiFID II entered into force, as part of the EU Action Plan on Sustainable Finance. The new regulations will add to the already intensified information load characterizing the financial advisory landscape. Moreover, this new dimension of sustain
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Books on the topic "Financial Inclusion Plan"

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(Brazil), Fórum Nacional. Plano de ação contra a crise: Nova versão : mobilização das lideranças nacionais (inclusive governo, congresso, sociedade), para transformar crise em oportunidade. Fórum Nacional, 2009.

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Prabhakar, Rajiv. Financial Inclusion. Policy Press, 2021. http://dx.doi.org/10.1332/policypress/9781447345466.001.0001.

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Should the public play a greater role within the financial system? Decisions about money are a part of our everyday lives. Supporters promote financial inclusion as a way of helping people navigate decisions about money. However, critics fear these policies promote the financialisation of the welfare state and turn citizens into consumers. Presenting a nuanced, critical analysis of financial inclusion, the book brings together the supportive and critical literatures which have, until now, developed in parallel. Addressing key issues including the poverty premium, financial capability and housi
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Navigating a just transition. ILO, 2025. https://doi.org/10.54394/wtqy7956.

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The transition to a low-carbon climate-resilient society requires substantial injection of financial investments. The public sector cannot do this alone: private investors and financial institutions must play a role in providing the necessary capital to accelerate decarbonization and fulfil national climate commitments while ensuring an inclusive transition that leaves no one behind. This brief presents a high-level roadmap, reflecting insights from financial sector and development actors, to advance financial sector support for a just transition.
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Griffith-Jones, Stephany, José Antonio Ocampo, Felipe Rezende, Alfredo Schclarek, and Michael Brei. The Future of National Development Banks. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198827948.003.0001.

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In the wake of the global financial crisis, there is growing consensus that national development banks play a valuable role in development finance. This chapter looks first at the theoretical background justifying the need for development banks. The chapter then describes empirically some of the key features of national development banks, including their lending and funding structure. Finally, it analyses in depth five main functions which national development banks perform: (i) providing countercyclical lending; (ii) promoting innovation and structural transformation; (iii) enhancing financia
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Smith, Graham, and Anna Green. The Magna Carta. Edited by Paula Hamilton and James B. Gardner. Oxford University Press, 2017. http://dx.doi.org/10.1093/oxfordhb/9780199766024.013.21.

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This chapter explores a range of representations of Magna Carta in the public sphere, and the authors argue that the significance of the Great Charter lies less in constitutional history and more in the different political uses to which the Charter has been put over time. Plans for the 800th commemoration of the Charter in 2015, proposed by both national and local organizations, are examined through oral history interviews with some of the leading participants. These plans ranged from the ideologically conservative and international collaborations of elite national organizations to the more in
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Studart, Rogério, and Luma Ramos. The Future of Development Banks. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198827948.003.0004.

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Despite its recent socioeconomic achievements, Brazil faces daunting challenges related to its outdated and to a certain degree dysfunctional infrastructure. If Brazil aims to achieve sustained inclusive growth in the future, and fulfil its potential as an emerging economy, it must find ways to fill its significant sustainable infrastructure and logistics gaps. This chapter analyses the recent role that Brazil’s national development bank, BNDES, has played in promoting infrastructure and logistics (I&L) investments. It argues that BNDES could, and should, play a critical role in developing
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Bayón Calderón, Cristina, and Francisco Zamora Polo. Ingeniería con sentido. Desarrollo y aplicación de tecnología robótica en pacientes con trastornos neurológicos y motores. Servicio de Recursos Audiovisuales y Nuevas Tecnologías US, 2025. https://doi.org/10.35466/vid2025n8564.

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Esta conferencia forma parte del Proyecto de Innovación Docente con título “Promoción de los Objetivos de Desarrollo Sostenible. Inclusión de la dimensión social y del cuidado en los estudios de ingeniería”, financiado por el IV Plan Propio de Docencia de la Universidad de Sevilla. La investigadora Cristina Bayón muestra a través de su experiencia investigadora las aplicaciones de la robótica y el control automático en pacientes con trastornos neurológicos o motores. El recurso está dirigido a estudiantes y personal docente e investigador con interés en conocer perfiles profesionales vinculado
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Zamora Polo, Francisco, Antonio Parejo Matos, Víctor Manuel Candelario Leal, and Amalia Luque Sendra. Los objetivos de desarrollo sostenible. Una oportunidad para el cuidado de nuestro planeta desde las ingenierías. Edited by María Rosa Garrudo Cembellín. Servicio de Recursos Audiovisuales y Nuevas Tecnologías US, 2025. https://doi.org/10.35466/vid2025n8719.

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En esta animación didáctica dirigida al Personal Docente e Investigador se describen los Objetivos de Desarrollo Sostenible y las oportunidades que estos ofrecen para la actividad del PDI, focalizando especialmente en el ámbito docente. Se trata de un recurso elaborado en el contexto de un Proyecto de Innovación Docente con título: “Promoción de los Objetivos de Desarrollo Sostenible. Inclusión de la dimensión social y del cuidado en los estudios de ingeniería”, financiado por el IV Plan Propio de Docencia de la Universidad de Sevilla. El recurso puede ser utilizado tanto para la formación de
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Zainal Abidin, Irwan Shah. Evaluating the Malaysian economy 2009-2018: growth, development and policies. Edited by Irwan Shah Zainal Abidin. UUM Press, 2020. http://dx.doi.org/10.32890/9789672363149.

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Malaysia was once on the cusp of becoming one of the Asian Tigers as a result of the impressively high growth rates recorded in the early 1990s. From 1990 until 1997, the growth rate was above 9 percent per annum on average. This performance came to an end when the economy was struck by the 1997/98 Asian Financial Crisis, the worst economic crisis Malaysia has ever experienced since independence. Things eventually worsened with the onslaught of the 2008/09 Global Financial Crisis, which dragged the Malaysian economy yet into another round of a recession with the growth rate contracting at 1.5
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Book chapters on the topic "Financial Inclusion Plan"

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Lin, Jiaqiao, and Ang Zhao. "China Mainland’s Energy Transition: How to Overcome Financial, Societal, and Institutional Challenges in the Long Term." In Energy Transition and Energy Democracy in East Asia. Springer Singapore, 2022. http://dx.doi.org/10.1007/978-981-19-0280-2_4.

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AbstractThe 2060 carbon neutrality goal announced by President Xi in 2020 sets the tone for the long-term Chinese climate policy. China has made considerable achievements in greening its energy mix in the past decade; solar power and wind power capacity both ranked top as of 2019. The current number of electric vehicles are, moreover, close to half of the total number of EVs in the world. However, there are conflicting signals from the coal power development plan and the increasing dependence on natural gas. There are many questions like these to be answered in a more reasonable and independen
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Yimer, Gebreyesus. "Informal Credit Market: A General Overview." In The Nexus Between Legal Pluralism and Inclusive Finance. Springer Nature Switzerland, 2024. https://doi.org/10.1007/978-3-031-71653-9_2.

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AbstractInformal credit markets are prevalent in many developing countries. Moneylenders, traders, unincorporated associations, families, and relatives provide credit and other financial services. In most cases, informal credit markets operate openly as they are not legally banned. However, they are also not subject to government regulation and control. So, they operate according to the local customs and norms. Informal credit markets play a critical role in the social and economic life of people with limited access to financial services from formal financial institutions. In this chapter, we
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Zhao, Yan, and Gideon Kinnah. "Sino-Ghana Collaboration on Cryptocurrency: Practices and Implications." In China-Africa Science, Technology and Innovation Collaboration. Springer Nature Singapore, 2024. http://dx.doi.org/10.1007/978-981-97-4576-0_22.

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AbstractThe proliferation of digital transformation through the Internet of Things has sparked the emergence of cryptocurrencies and elicited varied perspectives in both developed and developing countries. Ghana has imposed restrictions on the use and trading of cryptocurrencies, prompting ambiguities, uncertainties, and implications beyond the cryptocurrency world. Despite this, Ghana positions itself as a major player in the digital transformation of the African continent, both in mobile payment solutions and cryptocurrency. Given the long-standing Sino-Africa relationship, we examine the po
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Schoenmaker, Dirk, and Willem Schramade. "The Company within Social and Planetary Boundaries." In Springer Texts in Business and Economics. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-35009-2_1.

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AbstractSociety faces multiple sustainability challenges. The transition towards a sustainable and inclusive economy requires rethinking and reorganising many current practices. Companies play an important role in that transition because social and environmental impacts are generated primarily in the corporate sector. Some companies will survive the transition by providing valuable solutions; others will not, as their competitive positions are eroded. Sustainability is therefore also about corporate survival. Responsible companies are increasingly adopting the goal of integrated value creation
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Rideout, Elaine C. "The Thrift Savings Plan Experience: Implications for a Universal Asset Account Initiative." In Inclusion in the American Dream. Oxford University PressNew York, NY, 2005. http://dx.doi.org/10.1093/oso/9780195168198.003.0014.

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Abstract Public policies that promote asset accumulation are catching on in the United States. The leading asset-based policy approach, individual development account (IDA) programs, are now established at the federal level, via the Assets for Independence Act (AFIA), and in at least thirty-four states. The accounts are established for low-income savers who are provided with matching contributions, as well as financial education and counseling. There are currently over five hundred community IDA programs in operation with over ten thousand working poor participants, and over thirty thousand AF
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Skryl Vitaliia, Skryl Vitaliia. "ENHANCING FINANCIAL INCLUSION IN UKRAINE ON THE BASE OF EUROPEAN EXPERIENCE." In MODERN SOCIETY & SCIENCE PROGNOSIS & ACHIEVEMENT, 2nd ed. IRETC, 2022. http://dx.doi.org/10.36962/msspa02022022-60.

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Ensuring the financial inclusion of the country (the availability of financial services for the population, primarily due to the spread of information technologies) creates new opportunities for the economy and the state as a whole, because it stimulates economic growth by expanding the opportunities to attract savings of individuals and invest these funds in the development of the economy, increases the level of well-being of the population by developing people's entrepreneurial abilities, the ability to judiciously plan personal financial decisions, including drawing up one's own budget, con
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Acharya, Shalini, and Uma C. Swadimath. "Digital Financial Inclusion and Economic Empowerment of Farmers in India." In Advances in Logistics, Operations, and Management Science. IGI Global, 2024. http://dx.doi.org/10.4018/979-8-3693-2346-5.ch019.

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A contemporary product of technology is digitalization. The process of digitalization is rapidly gaining momentum; in fact, it can be attributed to the Industrial Revolution 4.0. Though the concept of financial inclusion was initially presented by the RBI in 2005, it was popularized by the Indian Prime Minister in 2014. The objective was to render financial services accessible to all strata of society, particularly the underprivileged and the economically weaker sections. Digital financial inclusion refers to the availability of various financial services in the digital mode, providing access
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MARA, Daniel, and Dorin VLAD. "Strategies for Social Integration in the Workplace for Different Categories of Socially Disadvantaged People." In Workplace Social Inclusion. BENTHAM SCIENCE PUBLISHERS, 2024. https://doi.org/10.2174/9789815165494124010008.

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Promoting social integration in the workplace for different categories of socially disadvantaged people requires a multifaceted approach that addresses various barriers they may face. Here are some strategies tailored to different groups: People with Disabilities: Accessibility: Ensure that the workplace is physically accessible, with ramps, elevators, and accessible restrooms. Provide assistive technologies and reasonable accommodations to support employees with disabilities. Inclusive Policies: Implement inclusive policies and practices that promote equal opportunities for people with disabi
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Nandrajog, Anju Bala, Lalit Singla, and Leena Kakkar. "Navigating Challenges in the Service Sector." In Advances in Hospitality, Tourism, and the Services Industry. IGI Global, 2025. https://doi.org/10.4018/979-8-3693-7447-4.ch025.

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To fulfill the SDGs in the service sector and promote financial inclusion, this study framework enhances fintech usage. The SDGs include financial inclusion, and this page outlines which SDGs this service sector may help achieve. The literature on emerging digital payment methods and the issues they pose for the current service sector in developing nations is reviewed in this study. By looking at empirical investigations, this paper provides a state-of-the-art classification of digital payment technologies, including card payment, e-payment, mobile payment, and cryptocurrency, and their use in
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Serra, Sofia, and Jorge Revez. "Public libraries in the social inclusion of forced migrants in the Lisbon Metropolitan Area." In Advanced Notes in Information Science. Pro-Metrics, 2023. http://dx.doi.org/10.47909/978-9916-9906-9-8.50.

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The social inclusion of forced migrants includes responding to their information needs. This investigation seeks to analyze public librarians' perceptions of the role of public libraries in such process. The research framework is the constructivist paradigm and uses the case study method to, through the semi-directive interview technique, investigate sixteen municipal public libraries in the Lisbon Metropolitan Area. The results highlight that forced migrants are not identified users of these libraries. However, public librarians equate them to economic migrants in informational needs and beha
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Conference papers on the topic "Financial Inclusion Plan"

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Kovacs, William, and Christopher David Taylor. "Maximizing Materials Utility through a Next Life Optimization Process." In CONFERENCE 2024. AMPP, 2024. https://doi.org/10.5006/c2024-20604.

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Abstract The carbon footprint of assets will increasingly be of importance to obtain beneficial, economic, social and environmental outcomes of design and engineering projects. Inclusion of a Next Life strategy at asset or product end-of-life can significantly reduce the greenhouse gas (GHG) emissions of First Life assets and Next Life reuses compared to the same uses made from virgin material or recycled content. Traditional engineering design and asset management often only plan for initial use and the management or maintenance strategies necessary to extend First Life, where the First Life
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Salih Hamdi, Zahra. "The reality and Challenges of Digital Financial Inclusion in Iraq the Corona -COVID 19 Pandemic." In 11th International Conference of Economic and Administrative Reform: Necessities and Challenges. University of Human Development, 2022. http://dx.doi.org/10.21928/icearnc/14.

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The research aims to highlight the reality and challenges of digital financial inclusion in Iraq in light of the COVID 19 pandemic, and to emphasize the importance of digital financial services and their role in digitalizing financial inclusion. This is based on an analysis of statistics related to the use of digital financial services during the pandemic period. The research reached a number of conclusions, the most important of which is: The digital financial inclusion is still weak in Iraq. The research recommends the development of a clear and feasible national strategic plan for digital f
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Salih Hamdi, Zahra. "The reality and Challenges of Digital Financial Inclusion in Iraq the Corona -COVID 19 Pandemic." In 11th International Conference of Economic and Administrative Reform: Necessities and Challenges. University of Human Development, 2022. http://dx.doi.org/10.21928/uhdicearnc/14.

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The research aims to highlight the reality and challenges of digital financial inclusion in Iraq in light of the COVID 19 pandemic, and to emphasize the importance of digital financial services and their role in digitalizing financial inclusion. This is based on an analysis of statistics related to the use of digital financial services during the pandemic period. The research reached a number of conclusions, the most important of which is: The digital financial inclusion is still weak in Iraq. The research recommends the development of a clear and feasible national strategic plan for digital f
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Bähre, Heike, Giovanni Buono, and Valerie Isabel Elss. "Fintech as a Mean for Digital and Financial Inclusion." In International Conference Innovative Business Management & Global Entrepreneurship. LUMEN Publishing, 2020. http://dx.doi.org/10.18662/lumproc/ibmage2020/15.

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Finance is shaping human relationship from an economic point of view as well as having influences on social structure and politics. In this relation, Fintech, a combination of the words “Finance” and “Technology”, is defined as “a new financial industry that applies technology to improve financial activities" [11] or as those “applications, processes, products, or business models in the financial services industry, composed of one or more complementary financial services and provided as an end-to-end process via the Internet” [10] or as “any innovative ideas that improve financial service proc
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Stroia, Adina Nicoleta. "Financial literacy, education, and inclusion: interconnections and their impact on economic and social development." In International scientific conference "Development Through Research and Innovation" IDSC-2025. Academy of Economic Studies, 2025. https://doi.org/10.53486/dri2025.40.

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This paper explores the correspondence between financial literacy, financial education, and financial inclusion, as well as the impact these interdependent concepts have on economic and social development. The research was structured into three main stages: a theoretical analysis of the concepts, quantitative research for testing the formulated hypotheses, and qualitative research to deepen the understanding of perceptions regarding the studied phenomenon. The results highlight that financial literacy provides the necessary foundations for individuals to understand basic financial concepts and
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Makhkamova, Gulbahor M., and Lutfullo Kh Saidmurodov. "ON THE PROBLEM OF THE RELATIONSHIP BETWEEN FINANCIAL ACCESSIBILITY IN SMALL BUSINESS DEVELOPMENT AND POVERTY REDUCTION." In Russia in XXI century: global challenges and prospects of development. Federal State Budgetary Institution of Science Market Economy Institute of Russian Academy of Sciences (MEI RAS), 2021. http://dx.doi.org/10.33051/978-5-6043907-9-5-2021-141-151.

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The purpose of the article is to analyze the significance of financial inclusion for sustainable economic development, its link substantiated with the possibilities for expanding the small business sector and reducing poverty. The following tasks were set and addressed in order to achieve the goal of the study: systematization of approaches to the importance of financial inclusion for poverty reduction and growth of entrepreneurial activity; analysis of the level of accessibility of financial services to the population of the Republic of Tajikistan; formulation of proposals for improving these
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Turner, Jamie, and Ahmed Aly. "Innovative Spacer and Slurry Design to Cure Severe Losses in Depleted Formations: A Case History from Southern Oman." In International Petroleum Technology Conference. IPTC, 2025. https://doi.org/10.2523/iptc-24935-ea.

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Lost circulation while drilling is a common problem and a significant challenge in global drilling operations, particularly in weak, unconsolidated, or fractured formations. This phenomenon contributes to nonproductive time and imposes a substantial financial burden on well-construction economics, with estimated global costs reaching USD 2 billion annually (Alkinani et al. 2021). Despite numerous attempts to strengthen the wellbore through experimental processes and studies using modeling and simulation (Feng et al. 2024), these challenges persist, negatively impacting operations. The need to
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Dygert, Joseph P., Melissa L. Morris, Erik M. Messick, and Patrick H. Browning. "Feasibility of an Energy Efficient Large-Scale Aquaponic Food Production and Distribution Facility." In ASME 2014 8th International Conference on Energy Sustainability collocated with the ASME 2014 12th International Conference on Fuel Cell Science, Engineering and Technology. American Society of Mechanical Engineers, 2014. http://dx.doi.org/10.1115/es2014-6567.

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Today the United States is plagued by societal issues, economic insecurity, and increasing health problems. Societal issues include lack of community inclusion, pollution, and access to healthy foods. The high unemployment coupled with the rising cost of crude oil derivatives, and the growing general gap between cost of living and minimum wage levels contribute to a crippled consumer-driven US economy. Health concerns include increasing levels of obesity, cardiovascular disease, cancer, and diabetes. These epidemics lead to staggering economic burdens costing Americans hundreds of billions of
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TENG, LEI, and YANG YAN. "THE ENTREPRENEURIAL MECHANISM OF DIGITAL FINANCE FOR INCLUSIVE GROWTH—EVIDENCE FROM CHINA." In 2021 International Conference on Management, Economics, Business and Information Technology. Destech Publications, Inc., 2021. http://dx.doi.org/10.12783/dtem/mebit2021/35621.

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Inclusive growth is an important goal of economic development. Active entrepreneurial activities have brought a large number of new jobs, which make development benefit more people and become an important means to achieve inclusive growth. However, financial constraints often become an obstacle for entrepreneurial activities. This paper studies the mechanism of using digital financial development to alleviate the constraints of venture capital and achieve inclusive growth. It is found that digital financial development is indeed conducive to the development of entrepreneurial activities to ach
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Massoudi, Aram, and MOHAMED AHMED. "Evaluation of sustainable amenities management at restaurants sector in kurdistan region of iraq." In 3rd International Conference on Administrative & Financial Sciences. Cihan University - Erbil, 2021. http://dx.doi.org/10.24086/afs2020/paper.201.

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Purpose – The topic of sustainability is becoming an essential and concerning issue for organizations in today's business environment. Especially in the food and restaurant industry. Sustainability emphases on satisfying the needs of the current period without conceding the capability of future consumers to meet their desires. Yet, an inclusive adoption of Sustainability is lagging in the restaurant and eatery industry in emerging market such as Kurdistan Region, Iraq. Therefore, this research focuses on the current practices of sustainable amenities in restaurants and lodging businesses in Ku
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Reports on the topic "Financial Inclusion Plan"

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

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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 de
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Paqueo, Vicente, Johanna Marie Astrid Sister, Solomon Sarne, et al. Strengthening and Expanding Government Assistance for Private Education. Philippine Institute for Development Studies, 2025. https://doi.org/10.62986/dp2025.17.

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The report assesses two Department of Education (DepEd) student financial assistance schemes under the Government Assistance to Students and Teachers in Private Education (GASTPE) program. These schemes are the Educational Service Contracting (ESC) and the Senior High School Voucher (SHSV) schemes. Through these initiatives, DepEd pays tuition fees for eligible students enrolling in qualified private schools of their choice. The study aims to answer the following questions: Are the programs on track to achieve their objectives? What key challenges and adjustments need to be made for the progra
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Rojas-Suárez, Liliana. Financial Inclusion in Latin America: Facts, Obstacles and Central Banks' Policy Issues. Inter-American Development Bank, 2016. http://dx.doi.org/10.18235/0007016.

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This paper shows that, in spite of recent progress in the usage of alternative financial services by adult populations, Latin America's financial inclusion gaps relative to either high-income countries or the region's comparators (countries with a similar degree of development) have not reduced generally and, in some cases, have even increased during the period 2011-2014. An econometric investigation of potential country-level obstacles explaining these gaps finds that institutional weaknesses play the most salient role through direct and indirect effects. Lack of enforcement of the rule of la
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de Brauw, Alan, Shalini Roy, and Mulugeta Tefera. Financial services in refugee hosting areas: Can they promote inclusion? Lessons from the SHARPE project in Ethiopia. Centre for Excellence and Development Impact and Learning (CEDIL), 2022. http://dx.doi.org/10.51744/ceb4.

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Digital financial inclusion is important to achieving the Sustainable Development Goals. Digital financial tools, such as mobile money, can, in principle, be used by anyone with a cell phone. Mobile money and services surrounding mobile money can help reduce poverty by helping increase remittances from labour migrants, helping households to weather negative shocks to income, and encouraging investments such as in farms or in self-employment activities. An extension of this logic is that, in refugee hosting areas, digital financial inclusion through mobile money can potentially play a role in i
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McFee, Erin K., and Jonathan Röders. FBA Policy Brief: Ukrainian Veterans’ Economic Reintegration. Folke Bernadotte Academy, 2025. https://doi.org/10.61880/rksy3523.

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Veterans could comprise up to a quarter of Ukraine’s workforce by the end of the war. As Ukraine rebuilds, veterans’ economic reintegration is essential for national recovery and long-term resilience. This FBA policy brief examines key labour market challenges veterans face, including unemployment, skills mismatches, and financial insecurity, and outlines how Ukraine’s reconstruction can benefit from their inclusion. To address these challenges, the brief recommends aligning (re)training programmes with market needs - particularly in infrastructure, defence technologies, and agriculture - enha
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Noah, Alphonse, and Ruth Tacneng. Cameroon’s Tax on Mobile Money: Implications for Agents' Performance and Revenue Sustainability. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.035.

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Mobile money taxation gives African governments an opportunity to broaden their fiscal base and explore new revenue-generating possibilities. Cameroon introduced a 0.2 per cent tax on mobile money transfers and withdrawals from 1 January 2022. Our research analyses the behaviour of agents, who act as intermediaries between mobile money account holders and mobile money service providers, before and after the tax on mobile money (MM tax). Agents play a key role in the distribution of mobile money services. Their presence is vital for achieving financial inclusion, especially in areas less served
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Flores, Herisadel. Strengthening the Financing of State Universities and Colleges: Challenges and Opportunities. Philippine Institute for Development Studies, 2025. https://doi.org/10.62986/dp2025.15.

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State universities and colleges serve as critical pillars of higher education, human capital development, and technological innovation in the Philippines. As publicly funded institutions, they play a vital role in addressing educational disparities, fostering inclusive growth, and advancing research that contributes to national development. This study examines the funding approaches employed by SUCs, assessing their viability amid growing economic pressures and evolving policy landscapes. Traditionally, SUCs rely on direct government appropriations, supplemented by internally generated income
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Flores, Herisadel. Strengthening the Financing of State Universities and Colleges: Challenges and Opportunities. Philippine Institute for Development Studies, 2025. https://doi.org/10.62986/dp2025.16.

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State universities and colleges serve as critical pillars of higher education, human capital development, and technological innovation in the Philippines. As publicly funded institutions, they play a vital role in addressing educational disparities, fostering inclusive growth, and advancing research that contributes to national development. This study examines the funding approaches employed by SUCs, assessing their viability amid growing economic pressures and evolving policy landscapes. Traditionally, SUCs rely on direct government appropriations, supplemented by internally generated income
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Ahairwe, Pamella Eunice. The EIB Group Climate Bank Roadmap 2021-2025: What does it mean for developing countries? European Centre for Development Policy Management, 2021. http://dx.doi.org/10.55317/casc013.

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The decade ahead is a critical one for long-term global sustainability. It presents an indispensable opportunity for the world to stimulate a recovery from COVID-19 while addressing the climate crisis. For developing countries with limited fiscal space, which has been constrained further by the pandemic, addressing the climate catastrophe requires ample external financial support. Mandated by the European Commission, the European Investment Bank (EIB) provides finance to developing countries to help them address climate change, while fostering the EU’s external objectives. It has launched ambi
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Spinks, Nora. Report: COVID-19 and Parenting in Canada. The Vanier Institute of the Family, 2020. http://dx.doi.org/10.61959/tprb4994e.

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In June 2020, the Vanier Institute prepared the report Families “Safe at Home”: The COVID-19 Pandemic and Parenting in Canada for the UN Expert Group Meeting Families in Development: Focus on Modalities for IYF+30, Parenting Education and the Impact of COVID-19. Now available in English and French, this report highlights family experiences, connections and well-being during COVID-19, as well as the current resources, policies, programs and initiatives in place to support families and family life. Families “Safe at Home” details federal, provincial and territorial resources created to offset, m
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