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Journal articles on the topic 'Financial Inclusion Plan'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

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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2

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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3

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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7

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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8

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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9

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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Kasozi, Jason, and Daniel Makina. "Analysis of financial literacy and its effects on financial inclusion in Uganda." International Journal of Finance & Banking Studies (2147-4486) 10, no. 3 (2021): 67–83. http://dx.doi.org/10.20525/ijfbs.v10i3.1294.

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The paper investigates whether financial literacy influences financial inclusion in Uganda on the premise that there are currently few to no studies that investigate this causality and the general lack of consensus on an appropriate measure for financial literacy. It uses data from the FinScope (2018) consumer survey on Uganda and applies Principal Component Analysis (PCA) to construct a composite financial literacy index of the adult bankable population (16 years and older). The index is then regressed - alongside other demand-side control variables, against a measure of financial inclusion u

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

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

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13

Amaliah, Eni, and Fegi Sentiana. "Sharia Financial Literacy and Inclusion in Advancing the Green Economy." RADEN INTAN: Proceedings on Family and Humanity 2, no. 1 (2025): 441–46. https://doi.org/10.47352/3032-503x.96.

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This article examines Islamic financial literacy and inclusion in advancing the green economy. The purpose of this article is to find out how Islamic financial literacy and inclusion advance the green economy. The method of writing the article uses a qualitative approach, the type of article is a literature research, data sources are obtained from several books and other sources such as journals related to the study of this article. The results of this study are: Financial inclusion that is useful for increasing financial access for the Indonesian people is one way to overcome various causes o

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Jeff, Andre C. Catoy, Heart F. Job Trixan, Lee A. Latagan Ain, B. Moises Dexter, and R. Santiago Benedict. "Influences of financial inclusion to the development of the municipality of Gainza." GPH-International Journal of Business Management 8, no. 01 (2025): 118–41. https://doi.org/10.5281/zenodo.14628753.

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Financial inclusion is recognized as a catalyst for reducing poverty and promoting economic resilience. The research examines how financial inclusion impacts Gainza’s economic growth, social factors, government projects, and overall quality of life. Utilizing a mixed-method approach, the study combines quantitative data, such as metrics on banking access, microfinance penetration, and digital payment adoption, with qualitative insights gathered from interviews with government officials to assess strategies that can be formulated considering their current situation. This study determines

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

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

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Sharma, Neha, and Ruchi Goyal. "PRADHAN MANTRI JAN DHAN YOJANA (PMJDY) - A CONCEPTUAL STUDY." International Journal of Research -GRANTHAALAYAH 5, no. 4 (2017): 143–52. http://dx.doi.org/10.29121/granthaalayah.v5.i4.2017.1806.

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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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17

Abdullahi, Haruna, and Olajide Oladipo. "The impact of banking and capital market financial inclusion on economic development in Nigeria." Journal of Global Economics and Business 3, no. 10 (2022): 91–119. http://dx.doi.org/10.31039/jgeb.v3i10.51.

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The study investigates the relationship between financial inclusion and economic development in Nigeria between 2003 and 2020 using the human development index (HDI) and variables from banking and the capital market. A separate model was specified for each of the industries in the financial sector. The econometric techniques employed include the ADF unit root test, ARDL bounds test, and Error correction model. The summary of the findings indicates the existence of a long-run relationship between HDI and capital markets inclusion, while there is no relationship recorded between banking inclusio

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18

Qasim, Samina. "FINANCIAL INCLUSION, INFLATION AND THE POLICY RATE." Journal of Research in Economics and Finance Management 1, no. 1 (2022): 1–11. http://dx.doi.org/10.56596/jrefm.v1i1.8.

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Financial inclusion is a vital intention for policymakers around the arena, as its ambition is to provide access to financial services to individuals and agencies who have historically been excluded from the formal monetary device. One of the key advantages of economic inclusion is that it can assist to lessen poverty and promote economic growth, by supplying individuals and corporations with the gear they need to keep, make investments, and manage their cash correctly. However, financial inclusion isn't always without its demanding situations, especially in nations with high stages of inflati

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Kumar, Abhijeet. "Financial Inclusion: Strategies for Rural Prosperity: Leads to Sustainable Business." Innovations 73, no. 03 (2023): 616–25. http://dx.doi.org/10.54882/7320237316674.

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To help the uninsured and the needy in rural areas, you need to provide them with access to low-cost financial services. The Indian government's financial inclusion policy simplifies the process of conventional, institutionalized lending to promote savings. People with low incomes have the less financial cushion to absorb shocks in the economy. Indirectly, formal banking services aid the financially vulnerable by allowing them to save money. If sufficient and explicit funding is made accessible, mass entrepreneurialism can increase productivity and prosperity. That continues indefinitely. Assu

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Christophe, KUIPOU TOUKAM*1 Severin TCHIO SEZINE2 &. Alexis TIOMELA YEMEDJEU3. "SOCIO-ECONOMIC AND GEOGRAPHICAL DETERMINANTS OF FINANCIAL INCLUSION IN CAMEROON." INTERNATIONAL JOURNAL OF RESEARCH SCIENCE & MANAGEMENT 7, no. 5 (2020): 17–33. https://doi.org/10.5281/zenodo.3865374.

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The purpose of this article is to identify the socio-economic and geographic determinants of financial inclusion in Cameroon. In terms of methodology, the data used come from two Global Findex databases in 2011 and in 2014 built by the World Bank. Multiple correspondence analysis (MCA) allowed us to transform the qualitative variables of financial inclusion into a composite index of access and use of financial services for each individual. The respective application of the dissimilarity index method and the multiple linear regression model allowed us to highlight the different determinants. Ul

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Ahmed Al- obaidi, Khaled Obaid, and Guerrara Samia. "Financial Technology’s Relationship with the Strategy of Financial Inclusion and its Impact on Economic Development – Case Study of Iraqi and Algerian Banks." Bilad Alrafidain Journal of Humanities and Social Science 5 (October 25, 2023): 359–73. https://doi.org/10.54720/bajhss/2023.icbauc30.

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The examination means to recognize the truth of monetary innovation in Algeria and its difficulties, especially with regard to the degree of safety, trust, ease of use, effectiveness, and the extent to which the bank’s customers respond with its tools, and to identify the procedures that banks can take to expand and spread their use in Algeria to enhance financial inclusion for all segments of society. Financial technology used by commercial banks is regarded as one of the most crucial elements enhancing the financial inclusion plan and subsequently fostering economic growth through the bank's

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Lumbantobing, Rudolf, Lambok DR Tampubolon, Deni Iskandar, Eka Desy Purnama, and Diana Frederica. "Financial Literacy and Inclusion for Millennial UMKM Owners In West Jakarta." International Journal Of Community Service 2, no. 3 (2022): 290–95. http://dx.doi.org/10.51601/ijcs.v2i3.66.

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The results of the Bank Indonesia survey show that there is still a low number of households that have savings accounts in banks. In addition, the number of households that can access loans at banks is also still very low. One of the problems that exist due to lack of financial knowledge so that not many people understand how to access loans in banks. For an entrepreneur or micro, small and medium enterprises are needed financial litersasi in order to easily get business capital from the bank. The purpose of this community service activity is to provide additional insight into how to plan and

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Ahmed, Habib, and Ak Md Hasnol Alwee Pg Md Salleh. "Inclusive Islamic financial planning: a conceptual framework." International Journal of Islamic and Middle Eastern Finance and Management 9, no. 2 (2016): 170–89. http://dx.doi.org/10.1108/imefm-01-2015-0006.

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Purpose This paper aims to develop a conceptual framework of inclusive Islamic financial planning (IFP) by combining the traditional Islamic institutions of zakat and awqaf with contemporary notions of financial planning, financial inclusion and financial literacy that caters to the short-term and long-term financial goals of the poor. Design/methodology/approach Being a conceptual article, an inclusive IFP framework is described, analyzed and developed by integrating modern notions of financial inclusion, financial planning and financial literacy with the concepts of zakat and awqaf. Findings

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Pankaj, Gupta, and Shrivastava Vaibhav. "Role of Pradhan Mantri Jan Dhan Yojana in Enhancing the Paradigm of Financial Inclusion in Rural India." Integrated Journal for Research in Arts and Humanities 2, no. 2 (2022): 32–37. https://doi.org/10.55544/ijrah.2.2.19.

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This article examines the role of the Prime Minister Jan Dhan Yojana (PM JDY) in boosting public wealth. Millions of households around the country benefit from financial inclusion and banking access, as well as insurance coverage and a sense of security, thanks to this programme. As a result of integrating this scheme with many other government initiatives, money will be immediately credited into the accounts of the recipients, eliminating intermediaries and reducing leakages. This strategy enables access to micro-credit in the later stages of the programme. Many of the accounts created under

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Sajuyigbe, Dr Ademola Samuel, Tajudeen A. Odetayo, and Adewumi Z. Adeyemi. "Financial Literacy and Financial Inclusion as Tools to Enhance Small Scale Businesses’ Performance in Southwest, Nigeria." Finance & Economics Review 2, no. 3 (2020): 1–13. http://dx.doi.org/10.38157/finance-economics-review.v2i3.164.

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Purpose: The study sought to examine the impact of financial literacy and financial inclusion on small businesses’ overall performance with special reference to Southwest Nigeria.  Methods: Descriptive survey research sketch was adopted for this study, while the purposive sampling method was employed to choose forty small scale businesses registered with SMEDAN from each state capital of South Western of Nigeria that engaged in petty trading, bakeries, block-making, soup-making, tailoring, and agro-allied, totaling 240 participants as a sample size for the study. Data were collected by u

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Agustina, Ahadiah. "The Influence Of Fintech On The Development Of Islamic Financial Inclusion In Msmes In Tanak Awu Village." Jurnal Ilmiah Ekonomi Islam 9, no. 2 (2023): 2531. http://dx.doi.org/10.29040/jiei.v9i2.8777.

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line with this, Fintech has emerged as one of the impacts of increasingly modern technological developments, especially in terms of finance. Fintech is here to answer people's needs for the importance of convenience in every economic process that involves Islamic finance. Sharia-based fintech will further increase financial inclusion in MSMEs because financial management managed by sharia is in accordance with religious guidelines, so that it will have a good impact on MSME financial management. Good management will also have a good impact on increasing MSMEs so that it will increase economic

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Cruz-Saco, Maria Amparo, and Mónika López-Anuarbe. "Familism and Social Inclusion: Hispanics in New London, Connecticut." Social Inclusion 1, no. 2 (2013): 113–25. http://dx.doi.org/10.17645/si.v1i2.118.

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This paper analyzes the financial support and inclusiveness within Hispanic families in New London, Connecticut, and the causes of their social exclusion in the larger society. We designed and administered a survey of 114 items that was answered by 148 participants representing 1.3% of the non-Puerto Rican Hispanic population. Using factor analysis, we reduced a large number of items in two familism scores to four latent factors: "Financial Support for Family", "Obligation to Family", "Plan to Return", and "Filial Responsibility". We found that financial support for family and obligation to fa

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

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

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Chanderprabha*1. "PAYMENT BANKS: FULCRUM FOR LESS CASHLESS ECONOMY AS WELL AS FOR FINANCIAL INCLUSION." International Journal of Research -GRANTHAALAYAH 5, no. 3 (2017): 174–79. https://doi.org/10.5281/zenodo.439566.

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The evolving economic landscape and fancies of the people have driven the government to plan seamlessly for inclusive banking for realising the opportunities that lie within. 21% chunk of Indian population are unbanked according to World Bank Report. Reckoning the long outstanding need for reaching out to the far-flung non-banked areas of the country, the central bank of India introduced more competition among banks by authorising, in principle, a kind of bank. On 19th Aug 2015, the RBI announced eleven approvals for payment banks. Payment bank concentrates their activities at farmers, migrant

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Chanderprabha. "PAYMENT BANKS: FULCRUM FOR LESS CASHLESS ECONOMY AS WELL AS FOR FINANCIAL INCLUSION." International Journal of Research -GRANTHAALAYAH 5, no. 3 (2017): 174–79. http://dx.doi.org/10.29121/granthaalayah.v5.i3.2017.1765.

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The evolving economic landscape and fancies of the people have driven the government to plan seamlessly for inclusive banking for realising the opportunities that lie within. 21% chunk of Indian population are unbanked according to World Bank Report. Reckoning the long outstanding need for reaching out to the far-flung non-banked areas of the country, the central bank of India introduced more competition among banks by authorising, in principle, a kind of bank. On 19th Aug 2015, the RBI announced eleven approvals for payment banks. Payment bank concentrates their activities at farmers, migrant

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Miss., Sonali Kulkarni. "Implementation Of Prompt Corrective Action On Commercial Bank And It's Effects On Financial Inclusion." International Journal of Advance and Applied Research 3, no. 6 (2022): 28–31. https://doi.org/10.5281/zenodo.7404341.

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In emerging economies, Banking sector playing an important role in economic growth of a country. A system is not only business making firm but also act as an agent of government plans and policies. But due to many scams, unrecovered loans, involvement of top officials while disbursing of huge sanctions, keeping a low value collateral result into losses.  PCA tool is early intervention by Reserve Bank of India. This framework put a certain restriction, such as Banking operation, branch expansion, dividend distribution etc. There are a lot of reasons for not meeting a target of Financial In

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Miss., Sonali Kulkarni. "Implementation Of Prompt Corrective Action On Commercial Bank And It's Effects On Financial Inclusion." International Journal of Advance and Applied Research 3, no. 6 (2022): 28–31. https://doi.org/10.5281/zenodo.7420969.

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<strong>Abstract:</strong> In emerging economies, Banking sector playing an important role in economic growth of a country. A system is not only business making firm but also act as an agent of government plans and policies. But due to many scams, unrecovered loans, involvement of top officials while disbursing of huge sanctions, keeping a low value collateral result into losses.  PCA tool is early intervention by Reserve Bank of India. This framework put a certain restriction, such as Banking operation, branch expansion, dividend distribution etc. There are a lot of reasons for not meeti

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Chima, Menyelim M., Abiola Ayopo Babajide, Alex Adegboye, Segun Kehinde, and Oluwatobi Fasheyitan. "The Relevance of Financial Inclusion on Sustainable Economic Growth in Sub-Saharan African Nations." Sustainability 13, no. 10 (2021): 5581. http://dx.doi.org/10.3390/su13105581.

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The primary concern of this examination is to systematically survey the importance of inclusive access to finance on the growth in terms of the economy in 48 sub-Saharan African (SSA) sovereign states with periodicity from 1995 to 2017. This study reports the results using both static and dynamic estimation techniques. For consistency, the baseline finding of the study estimation is based on the Generalized Method of Moments (GMM) system GMM. This article finds that there is a complimentary association between the present degree of inclusiveness of finance and economic advancement in SSA. The

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Rahmawati, Christina Heti Tri, Ima Kristina Yulita, Firma Sulistiyowati, and Aurelia Melinda Nisita Wardhani. "Empowerment of Karang Taruna in the Kali Gajah Wong Tourism Village through Increasing Literacy and Financial Inclusion." IMPACTS: International Journal of Empowerment and Community Services 2, no. 1 (2023): 25–32. http://dx.doi.org/10.30738/impacts.v2i1.15968.

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Purpose This service activity raises the problems faced by the Kali Gajah Wong Tourism Village, where based on interviews with youth organizations as managers of the tourist village, so far the business financial management of this tourist destination has separated business and personal finances, but this has not been done regularly so it has not fulfilled the expected desires. from donors or the government who will increase capital. Therefore, financial management is important to develop this tourist destination. This mentoring activity aims to provide an understanding of financial literacy

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Epa Liyanage, Kumuditha D. Hikkaduwa, Denis Nadolnyak, and Valentina Hartarska. "Financial Inclusion of Rural and Urban Households and the Dodd-Frank Act." International Journal of Economics and Finance 14, no. 11 (2022): 90. http://dx.doi.org/10.5539/ijef.v14n11p90.

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This paper examines the consequences of the Dodd&ndash;Frank Wall Street Reform and Consumer Protection Act of 2010 on financial inclusion in rural areas. The Act imposed changes in the U.S. banking industry that contributed to closures or consolidation of smaller community banks, mostly in the rural areas, that could not sustain the higher regulatory burden. We evaluate whether the Act had differential impacts on the financial inclusion of rural and urban unbanked households. Financial inclusion is measured by the utilization of banking services such as checking or savings account and by

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Ngo, Angelo Efren. "Formulation of Strategic Plan for a Financial Technology Startup Company." International Journal of Academe and Industry Research 4, no. 1 (2023): 46–79. http://dx.doi.org/10.53378/352974.

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This study formulated a strategic plan for a financial technology start-up company in the Philippines. The business model involves selling airtime prepaid loads and mobile top-ups, channel and medium for various remittance and financial institutions, and Artificial Intelligence (AI) capable system that gives assistance and basis to its users for granting of loans. The FinTech industry is a fast-emerging industry in the county. The Philippine government pushes and backing up the financial inclusion and digitization programs aiming to simplify and bring ease and convenience of doing business whi

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Govindasamy, Dr P., and Dr H. Premraj. "An Analytical Study On Financial Planning And Strategy Formulation." Restaurant Business 118, no. 9 (2019): 28–34. http://dx.doi.org/10.26643/rb.v118i9.7922.

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Financial Planning and Forecasting is the estimation of value of a variable or set of variables at some future point. A Financial forecasting exercise is usually carried out in order to provide an aid to decision – making and planning of any line of business for future developments. This paper focuses insurance segments and tailored all the key areas of attention are such as assets, liabilities, marketing, human resources, expenditures, digitalization and technology inclusion, etc., all in one term called as wealth maximization. Financial planning and forecasting represents a blueprint of what

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KUMARI.V, PRIYANKA, and Dr REVATHY S,. "ASSESSING THE EFFECTIVENESS OF SUKANYA SAMRIDDHI YOJANA IN PROMOTING FINANCIAL INCLUSION IN RURAL AREAS, ERODE." International Scientific Journal of Engineering and Management 04, no. 04 (2025): 1–7. https://doi.org/10.55041/isjem02680.

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An empirical analysis of the Sukanya Samriddhi Yojana's effectiveness is presented in this report. For female children, the Sukanya Samriddhi Yojana is a deposit scheme. On January 22, 2015, the Beti Bachao Beti Padhan Initiative was introduced by the Indian government through the Ministry of Women and Children. This lessens the financial burden on parents and guardians by allowing them to make plans for their child's future. The girl child must reside in India and be under ten years old. Any post office across the nation is able to open this plan. The poll's findings indicate that rural popul

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Sreeja Radhakrishnan. "Financial Preparedness of Salaried Women in India and Financial Digital Disruption: are they Adapting or Being Marginalised." Journal of Information Systems Engineering and Management 10, no. 30s (2025): 231–35. https://doi.org/10.52783/jisem.v10i30s.4826.

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Introduction: In the fast-changing socioeconomic environment in India, women need to be financially prepared to promote gender equality and economic resilience, in line with the UN Sustainable Development Goals (SDGs), especially SDG 5 (Gender Equality) and SDG 8 (Decent Work and Economic Growth). With India's diverse demographic and a large female population working in formal and informal sectors, equipping women with financial knowledge and access to resources boosts household stability and national development. The growth of digital finance presents significant opportunities but also brings

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Neupane, T., P. Jha, P. Paudel, et al. "Variation of financial benefits from provisioning ecosystem services between nearby and distant users in Partnership Forest Management in Nepal." International Forestry Review 25, no. 4 (2023): 423–34. http://dx.doi.org/10.1505/146554823838028175.

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Partnership Forest Management (PFM) in Nepal was initiated to balance the supply of forest products between nearby and distant users' communities in the Terai region of Nepal. This study in Buddha Shanti Partnership forest analyzed the financial benefits of provisioning services and identified the socio-economic attributes influencing such benefits. A financial analysis of provisioning services was carried out using user prices outlined in the Operational Plan of the forest and on market-price-based approaches. This shows that timber provided more benefits to distant users, while nearby users

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Biswal, Rasmirekha, and Manish Jha. "Financial Inclusion at the intersection of Social Exclusion: A study among the Juang Tribes in Keonjhar district of Odisha." GLS KALP: Journal of Multidisciplinary Studies 2, no. 2 (2024): 30–39. http://dx.doi.org/10.69974/glskalp.02.02.29.

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The Fifth Five Year Plan by Govt of India introduced the concept of Primitive Tribal Groups (later termed as Particularly Vulnerable Tribal Groups), since then a number of special development interventions are being extended for this vulnerable section through specially set up Micro Projects for effective implementation and all-round development of PVTGs. As compared to all the tribal communities inhabiting this country, the PVTGs are the most vulnerable, marginalised and isolated. They live in small-scattered habitats in remote and inaccessible terrain, devoid of required infrastructure, such

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Setyari, Wiwin. "Access to Microfinance Effect and Economic Welfare." Media Trend 14, no. 2 (2019): 209–18. http://dx.doi.org/10.21107/mediatrend.v14i2.4865.

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The leaders of Southeast Asia countries have called for the formulation of a strategic plan to accelerate and realize the vision of doubling the financial inclusion in the ASEAN region in 2020. Regional approach for financial inclusion has been identified as one important factor for national development in many ASEAN countries. In addition, it has also become an important strategy to support the broader goals of regional economic integration as contained in the blueprint of the ASEAN Economic Community (AEC). The deepening of the financial sector is one of the main objectives in the AEC. It ma

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Prof, Trilok Nath Shukla. "SECTORAL ANALYSIS OF BANKS ON TRENDS OF OPENING ACCOUNTS FOR PRADHAN MANTRI JAN DHAN YOJNA PHASE I (PMJDY)." International Journal of Research -GRANTHAALAYAH 5, no. 1 (2017): 183–97. https://doi.org/10.5281/zenodo.263919.

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Most recently a national mission on financial inclusion called “PRADHAN MANTRI JAN - DHAN YOJANA” was launched on the 28<sup>th</sup> of August 2014. Under the direct supervision of the Indian Prime Minister and the Department of Financial Services, Ministry of Finance, the objective of this mission is to enroll over 70 million households and open their bank accounts along with providing them as a first step a RuPay debit card with a Rs. 1,00,000/- accident cover. In the due course of time the plan is to also cover these account holders with insurance and pension products. About 60% of the pop

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Biaou, Gino, and Étienne Charbonneau. "How Government-Backed Registered Retirement Savings Plans Impact Canadians’ Tax-Free Savings Account:." Journal of Social Equity and Public Administration 2, no. 1 (2024): 37–51. http://dx.doi.org/10.24926/jsepa.v2i1.5218.

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Personal savings can help cushion financial difficulties and reduce the need to apply for government assistance. This study examined who benefits the most and the least from the government-supported Registered Retirement Savings Plan (RRSP) and Tax-Free Savings Account (TFSA). The compound theory of social equity was used to analyze data from the 2019 Canadian Survey of Financial Security. The results suggest that there are disparities in contributions to TFSA and RRSP based on the level of education and gender of single parents. Our analysis using correlation, OLS, and quantile regressions fo

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Pg Hj Md Salleh, Pg Md Hasnol Alwee, and Roslee Baha. "Retirement concerns and financial literacy in Brunei." International Journal of Sociology and Social Policy 40, no. 3/4 (2020): 342–65. http://dx.doi.org/10.1108/ijssp-09-2019-0193.

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PurposeDespite the inclusion of financial literacy in retirement studies, there are limited studies that look into retirement concerns and how financial literacy plays a role in managing retirement concerns. Understanding retirement concerns prior to retirement is important given how it affects retirement satisfaction. Therefore, this paper aims at assessing the retirement concerns in Brunei and the role of financial literacy in managing those concerns.Design/methodology/approach700 government employees, divided into three groups, were interviewed: Defined Contribution Plan (DCP) employees ret

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Mohammad Habibullah, Rusni Hassan, and Nor Razinah Mohd Zain. "Women's Empowerment and Participation in Islamic Financial Planning Diversity, Equity and Inclusion: Evidence from Maqasid al-Shari`ah." AL-BURHĀN: JOURNAL OF QURʾĀN AND SUNNAH STUDIES 7, no. 2 (2023): 152–61. http://dx.doi.org/10.31436/alburhn.v7i2.308.

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The study places a strong emphasis on women’s empowerment, given the quick changes in society that are occurring right now. Many women are pursuing various sorts of employment, including self-employment, in this era of economic liberalization and women's empowerment. However, this study aims to investigate the connection between Islam and women's empowerment by examining Maqasid al-Shari'ah perspectives on this matter. To have a thorough understanding of Islam and women's empowerment, it is imperative to consider the role played by women in the financial sector and their contribution to econom

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Pauporte, I., E. G. Brain, C. Hennequin, G. R. Auleley, and J. Reiffers. "First evaluation of the French cancer clinical research projects funding program (PHRC)." Journal of Clinical Oncology 27, no. 15_suppl (2009): 6601. http://dx.doi.org/10.1200/jco.2009.27.15_suppl.6601.

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6601 Background: Data on success and failure rates of clinical studies are cruelly missing, especially for public funded programs. The French Cancer Plan 2003–2007 has launched such program as a specific extension of the wider ‘Programme Hospitalier de Recherche Clinique‘ (PHRC). Grant applications are submitted yearly. Funding is competitively based, projects being selected by a national committee supported by independent experts. A substantial financial support for the recruitment of clinical research associates (CRA) was launched simultaneously.We performed a preliminary analysis of the pro

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LAHROUR, khalid. "Public Policies for Financial Inclusion in Latin America and Asia: What Lessons for Developing Countries?" African Scientific Journal Vol 3, N°16 (2023): 286. https://doi.org/10.5281/zenodo.7689017.

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<strong>Résumé </strong> Les crises bancaires dans de nombreux pays en développement ont suscité des discussions sur les réformes nécessaires dans le secteur financier. Cela a conduit à une réapparition de politiques publiques interventionnistes qui se concentrent sur le secteur financier et qui se déploient via des interactions avec des acteurs collectifs ou individuels. En conséquence, le fait d'offrir des services bancaires à une clientèle plus large grâce à l'inclusion financière

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Huaman-Romani, Yersi-Luis, Iris-Liliana Vasquez-Alburqueque, Fredy Carrasco-Choque, Linda-Katherine Carrillo-De la Cruz, and Juan C. Orosco Gavilan. "Factors of educational inclusion to improve learning: Teachers' perspectives." International Journal of Innovative Research and Scientific Studies 6, no. 2 (2023): 258–65. http://dx.doi.org/10.53894/ijirss.v6i2.1286.

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In elementary school, inclusive education should be adapted to the needs of students with special abilities in areas such as recreational activities, feedback and methodologies and planning. The objective of the research is to analyze and describe the perspectives of educational inclusion factors among elementary school teachers to improve students’ learning with special abilities. The methodology of the research is descriptive with a quantitative correlational approach in which 823 elementary school teachers participated through a voluntary and anonymous online survey with a measurement instr

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Oliveira Neto, Nery Batista de. "MINIMUM EXISTENTIAL AND RESERVE OF THE POSSIBLE." RCMOS - Revista Científica Multidisciplinar O Saber 1, no. 11 (2024): 191–209. http://dx.doi.org/10.51473/rcmos.v1i1.2024.181.

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This article sought to discuss the control of constitutionality in financial and budgetary terms, highlighting the applicability of constitutional principles and nuances. The correct allocation of resources that flow into fundamental rights, linked to the existential minimum, are only possible when the objectives proposed by the Public Power are developed in accordance with the constitutional plan. This study had as general objective to discuss the reserve of the possible and minimum existential with emphasis on constitutionality control and social inclusion under the financial/budgetary persp

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