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Journal articles on the topic 'Financial Inclusion'

Author: Grafiati

Published: 4 June 2021

Last updated: 3 May 2025

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1

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

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

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2

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

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3

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

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

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4

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

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5

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

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6

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

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

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7

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

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8

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

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

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9

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

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10

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

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

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11

Musa Abdullahi Sakanko, Sufiyanu Umma Yahaya, and Salihu Abdullahi. "Financial Literacy and Financial Inclusion." Zakariya Journal of Social Science 2, no. 1 (June 30, 2023): 1–10. http://dx.doi.org/10.59075/zjss.v2i1.227.

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The study employed the Probit regression on the National Bureau of Statistics general households survey data to appraise the effect of financial literacy on financial inclusion in Niger State. The estimation result shows that financial literacy positively and statistically influences financial inclusion options (account ownership, bank access, and credit access) in Niger state. Similarly, education status, age, and gender are determinants of financial inclusion. The study concluded that financial literacy is necessary for achieving financial inclusion. To encourage financial inclusion among youth, the government should include financial education in secondary school and tertiary to teach skills and information on how to utilize and manage financial services and products. The central bank should also mandate the financial institutions to establish customer financial advisory units to educate their clients on managing and using financial products and services available to them to create wealth, thus improving living standards.

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12

Dr.S.Rajamohan, Dr S. Rajamohan, and K. Subha K.Subha. "Information Technology in Financial Inclusion." Paripex - Indian Journal Of Research 3, no. 7 (January 1, 2012): 1–2. http://dx.doi.org/10.15373/22501991/july2014/37.

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13

Barun Kumar Jha, Barun Kumar Jha, and Shilpa Sureka. "Financial Inclusion: The Indian Perspective." Paripex - Indian Journal Of Research 3, no. 3 (January 15, 2012): 102–3. http://dx.doi.org/10.15373/22501991/mar2014/35.

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14

Mader, Philip. "Contesting Financial Inclusion." Development and Change 49, no. 2 (December 26, 2017): 461–83. http://dx.doi.org/10.1111/dech.12368.

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15

Alamelu, K., and S. Sankaramuthukumar. "Financial Inclusion Index." Indian Economic Journal 60, no. 2 (July 2012): 38–56. http://dx.doi.org/10.1177/0019466220120204.

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16

Parvathy, V. K., and Jyothi Kumar. "Driving Financial Inclusion." International Journal of E-Business Research 18, no. 1 (January 6, 2023): 1–15. http://dx.doi.org/10.4018/ijebr.316147.

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This paper examines India's level of digital access to financial services as compared to other Asian countries. The study also intends to analyse whether COVID-19 has influenced the usage trend of the selected digital payment indicators in India. Data has been collected from the World Bank Global Findex Database and RBI bulletins. Cross country descriptive analysis was used for studying India's digital financial access against the other Asian countries. Event study methodology followed by trend analysis was employed to examine whether COVID-19 has impacted the digital payment indicators' usage in India. The findings of the study indicated that India's position in digital financial access needs to be improved. It was further identified that COVID-19 has increased the usage of digital modes for financial transactions in India. There has been a significant increase in the usage volume of mobile banking after the declaration of the pandemic. Govt. can frame its action plans to make use of the opportunity created through the pandemic to improve digital financial access in India.

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17

Quiñonez, José A. "Beyond Financial Inclusion." National Civic Review 106, no. 3 (September 2017): 42–47. http://dx.doi.org/10.1002/ncr.21333.

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18

Das, Subhash Chandra. "Financial Inclusion and Micro Financing in India." Management Accountant Journal 56, no. 4 (April 30, 2021): 81. http://dx.doi.org/10.33516/maj.v56i4.81-83p.

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19

Baber, Hasnan. "Financial inclusion and FinTech." Qualitative Research in Financial Markets 12, no. 1 (November 11, 2019): 24–42. http://dx.doi.org/10.1108/qrfm-12-2018-0131.

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Purpose Using data from World Bank and Global Islamic Finance Report, this paper aims to compare the performance of countries following Islamic and conventional finance system in terms of financial inclusion and FinTech. Design/methodology/approach Ten countries from both financial systems have been selected based on the presence of Islamic finance and conventional finance in the country. Data was analyzed from year 2011 to 2017 and keeping the former as base year to measure the change in the population fraction. Findings The findings found that Islamic finance countries are more inclusive in terms of financial inclusion and women are financially more empowered as compared to the counterpart. On the contrary, countries with conventional finance have a higher number of FinTech users. Research limitations/implications The difference between the performances of two systems in terms of financial inclusion is relatively small; therefore, future studies should incorporate more indicators for financial inclusion. Originality/value This study will be useful for understanding the nature of both financial systems, and the further research can be done to find the determinants of financial inclusion.

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20

Amin Mohamed, Hanan, and Ahmed Rady. "Assessing the Impact of Traditional Financial Inclusion and Digital Financial Inclusion on Inclusive Growth: Cross-Country Analysis." المجلة العلمية للدراسات التجارية والبيئية 15, no. 3 (September 30, 2024): 1–28. http://dx.doi.org/10.21608/jces.2024.391623.

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21

Venugopalan Puhazhendhi. "Financial Inclusion for Inclusive Growth An Indian Experience." KOREAN JOURNAL OF COOPERATIVE STUDIES 26, no. 2 (February 2009): 193–215. http://dx.doi.org/10.35412/kjcs.2009.26.2.010.

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22

Chandran. M.C, Sarath. "Empowering Financial Inclusion through Financial Literacy." IOSR Journal of Business and Management 16, no. 9 (2014): 45–48. http://dx.doi.org/10.9790/487x-16954548.

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23

Ganeshappa, K., and Sureshramana. "Financial inclusion through digital financial services." International Journal of Social and Economic Research 9, no. 3 (2019): 34. http://dx.doi.org/10.5958/2249-6270.2019.00017.5.

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24

Jasintha, V. L. "Financial inclusion for financial risk management." TRANS Asian Journal of Marketing & Management Research (TAJMMR) 8, no. 3and4 (2019): 5. http://dx.doi.org/10.5958/2279-0667.2019.00009.9.

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25

Tran, Thu Thi Hoai, and Louis De Koker. "Aligning financial inclusion and financial integrity." Journal of Money Laundering Control 22, no. 4 (October 7, 2019): 595–613. http://dx.doi.org/10.1108/jmlc-01-2019-0004.

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Purpose This study aims to consider the anti-money laundering/combating of financing of terrorism (AML/CFT) regime that applies to microfinance institutions (MFIs) and microfinance programmes and projects (MFPs) in Vietnam to identify ways in which to improve the alignment between financial inclusion and financial integrity objectives in relation to this sector. Design/methodology/approach This doctrinal study is informed by the Financial Action Task Force mutual evaluation methodology. Findings The AML/CFT regulatory framework for MFIs/MFPs is inadequate but improving. The money laundering and terrorist financing risks posed by microfinance are low and so is the capacity of many providers to comply with AML/CFT obligations. Given the low risk, there is space to simplify AML/CFT requirements for this sector in a manner that will better align financial inclusion and financial integrity policy objectives. Research limitations/implications This paper considers the implementation of AML/CFT obligations of MFIs/MFPs based on existing studies as well as own research relating to compliance and supervisory practices. Further empirical studies to determine for the whole microfinance sector could provide a more granular understanding of crime risks and compliance capacities in the sector. Practical implications AML/CFT regulators in Vietnam can take concrete steps to simplify the AML/CFT due diligence obligations of MFIs/MFPs and support these institutions to formalise and implement appropriate AML/CFT measures. Social implications MFIs/MFPs play a vital socio-economic role by providing financial services to the poor. Appropriate AML/CFT control measures can enable these providers to continue providing these services while strengthening economic formalisation and integrity goals of the government. Originality/value The paper provides novel supervisory perspectives on the AML/CFT regime in relation to MFIs/MFPs.

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26

Meskovic, Admir, Šejma Aydin, and Edib Smolo. "Enhancing Financial Inclusion through Financial Literacy." Journal of Economics, Law, and Society 1, no. 1 (June 30, 2024): 39–53. https://doi.org/10.70009/jels.2024.1.1.3.

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This paper aims to examine the awareness and perceptions of depositors in Bosnia and Herzegovina regarding the features of investment deposits in Islamic finance. It evaluates the contribution of mudarabah-based deposits to the financial inclusion of Muslims and identifies factors influencing clients' decisions to place their funds in Islamic banks. The study employs a quantitative research methodology, utilizing an online survey distributed via LimeSurvey to collect primary data. The survey targeted bank clients in Bosnia and Herzegovina, and a non-random convenience sample was obtained by promoting the survey link on a Facebook page aimed at users in the region. Paid advertising was used to enhance visibility, and direct outreach was conducted in cities with Islamic bank branches to ensure a representative sample. The survey included questions on demographic information, awareness of investment deposits, understanding of Islamic finance, and attitudes towards banking risks and returns. The structured nature of the survey allowed for effective data collection and analysis to identify knowledge gaps and depositor attitudes. The findings reveal that a significant portion of respondents lack adequate knowledge about investment deposits, posing a critical barrier to their effective use for mobilizing savings and enhancing financial inclusion. Muslim clients identify interest as a significant hurdle to saving in conventional banks, with similar expectations and risk aversion observed in Islamic banking investment accounts. This research underscores the potential role of investment deposits in advancing financial inclusion by addressing knowledge gaps and examining factors influencing clients' decision-making processes. It highlights the need for increased awareness and education about investment deposits to facilitate their wider adoption among depositors, enhancing the understanding of leveraging Islamic finance principles to promote financial inclusion and meet the unique needs of Islamic savers and investors in Bosnia and Herzegovina.

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27

Dinku, Tirngo. "Financial inclusion in Ethiopia: Using core set of financial inclusion indicators." International Journal of Social Sciences and Humanities Invention 8, no. 03 (March 31, 2021): 6396–404. http://dx.doi.org/10.18535/ijsshi/v8i03.01.

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Financial inclusion is the key to inclusive development throughout the world. It is the access to get financial services such as saving, loan, insurance and others easily at an affordable cost, this study aims at evaluating the level of financial inclusion in Ethiopia in comparison with Sub Saharan Africa and low income countries. World Bank group 2017data on financial inclusion is used.The result shows access to have a bank account and account at other financial institution has been realized improvement to the year, where as it is far below the Sub Saharan African average. The major reason for not having a bank account or account at financial institutions in Ethiopia areinsufficient fund and financial institutions are too far away, while religious reasons and lack of trust on financial institutions are the least. No one pays utility bill digitally, the use of digital payment is very poor in Ethiopia; only three out of hundred individuals in Ethiopia used an account to receive government payments.

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Naumenkova, Svitlana, Svitlana Mishchenko, and Dmytro Dorofeiev. "Digital financial inclusion: evidence from Ukraine." Investment Management and Financial Innovations 16, no. 3 (September 19, 2019): 194–205. http://dx.doi.org/10.21511/imfi.16(3).2019.18.

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The article examines the influence of the current stage of economy digitalization on the financial inclusion in Ukraine. The purpose is to assess the level of financial inclusion in the country, to determine the dominant influence of price and non-price barriers to access to financial services for the Ukrainian population when compared to other world countries and to define which part of the adult population is able to join the formal financial services system through the use of innovative channels and financial service systems. Based on the methodological approaches proposed by the World Bank and the G20 Financial Inclusion Indicators, the authors analyze the real traditional and digital access opportunities of the general public to financial services in Ukraine compared to other countries across the world. Particular emphasis is placed on overcoming existing non-price barriers that impede formal financial inclusion of the Ukrainian population. The research findings stress the need to adhere to the basic principles of digital financial inclusion in order to regulate activities of financial institutions and their agents in the digital provision of financial services, strengthen regulatory control over the use of innovative financial products and service systems, and protect the rights of consumers of financial services in Ukraine.

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29

Muthu, Dr K. Marutha, and T. A. Tamilselvi T. A.Tamilselvi. "Financial Inclusion - Role Of Banking Industry." Indian Journal of Applied Research 1, no. 7 (October 1, 2011): 166–67. http://dx.doi.org/10.15373/2249555x/apr2012/55.

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30

Dr.S.Rajamohan, Dr S. Rajamohan, and K. Subha K.Subha. "Financial Inclusion in India: An Overview." Indian Journal of Applied Research 4, no. 4 (October 1, 2011): 299–300. http://dx.doi.org/10.15373/2249555x/apr2014/92.

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31

Kumar, R. Magesh, and Dr C. Samuel Joseph. "Comprehensive Literature Survey on Financial Inclusion." Indian Journal of Applied Research 4, no. 8 (October 1, 2011): 366–68. http://dx.doi.org/10.15373/2249555x/august2014/93.

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32

Parameshwara, Parameshwara, and Dr A. Raghurama Dr. A.Raghurama. "Role of Banks in Financial Inclusion." Indian Journal of Applied Research 3, no. 6 (October 1, 2011): 336–38. http://dx.doi.org/10.15373/2249555x/june2013/112.

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33

ThotaNagaraju, Dr, and Dr TalluriSreekrishna. "Financial Inclusion for Self Help Groups." International Journal of Trend in Scientific Research and Development Volume-1, Issue-5 (August 31, 2017): 833–39. http://dx.doi.org/10.31142/ijtsrd2388.

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34

Ozili, Peterson K. "Social inclusion and financial inclusion: international evidence." International Journal of Development Issues 19, no. 2 (April 13, 2020): 169–86. http://dx.doi.org/10.1108/ijdi-07-2019-0122.

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Purpose This study aims to investigate the association between social inclusion and financial inclusion. Social inclusion and financial inclusion are two major development policy agendas in many countries, and the association between them has received little attention in the policy and academic literature. Design/methodology/approach The findings reveal a positive and significant correlation between social inclusion and financial inclusion for Asian countries, Middle Eastern countries and African countries while the correlation between social inclusion and financial inclusion is negative for European countries. The findings also show that European and Asian economies experience higher levels of social inclusion and account ownership in a formal financial institution while African countries and Middle Eastern countries experience lower levels of social inclusion and account ownership. Originality/value The association between social and financial inclusion has received little attention in the policy and academic literature. This is the first study that investigates the association between social and financial inclusion.

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35

O. Al-Smadi, Mohammad. "The role of financial inclusion in financial stability: lesson from Jordan." Banks and Bank Systems 13, no. 4 (November 12, 2018): 31–39. http://dx.doi.org/10.21511/bbs.13(4).2018.03.

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This study aims to examine the relationship between financial inclusion and financial stability in Jordan by using Fully Modified Least Squares (FMOLS) technique. The analysis is based on time series from 2006 to 2017. Jordanian financial inclusion index is developed to assess the level of financial inclusion, whereas financial stability was measured by Jordanian financial stability index proposed by Central Bank of Jordan. The results show a weak significant and positive impact of financial inclusion on the financial stability in Jordan. Additionally, five control variables are used in the study. The results show a negative impact of domestic credit to private sector, income inequality, financial integration, and global financial crisis on financial stability. In contrast, real GDP per capita has a significant and positive impact. It is expected that the findings of the study can be used by policy makers and supervising authorities to realize the objectives of the national strategy of financial inclusion in Jordan.

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Kumar, Satish, and Joshi Dr.H.G. "Financial Inclusion through Financial Literacy in India: Issues and Challenges." Bonfring International Journal of Industrial Engineering and Management Science 6, no. 1 (March 30, 2016): 200–203. http://dx.doi.org/10.9756/bijiems.8341.

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37

Dr. C. PARAMASIVAN, Dr C. PARAMASIVAN, and V. GANESHKUMAR V. GANESHKUMAR. "Performance of Financial Inclusion through other Financial Services in Puducherry." Global Journal For Research Analysis 3, no. 1 (June 15, 2012): 14–15. http://dx.doi.org/10.15373/22778160/january2014/6.

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38

Kuznyetsova, Аngela, Іryna Boiarko, Мyroslava Khutorna, and Yuliia Zhezherun. "Development of financial inclusion from the standpoint of ensuring financial stability." Public and Municipal Finance 11, no. 1 (March 1, 2022): 20–36. http://dx.doi.org/10.21511/pmf.11(1).2022.03.

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Since 2013–2015, financial inclusion has been considered a determinant of economic and social inclusion. Meanwhile, the impact of financial inclusion on economic development directly depends on financial stability. This paper focuses on the development peculiarities of financial inclusion in relation to ensuring financial stability and provides recommendations to Ukraine. The inclusive development theory and gap theory form the theoretical research base, while generalization, statistical methods, coefficient and graphical analysis, comparison and ranking represent its methodological basis. Financial institution development, financial literacy, income level, cashless economy, and public confidence have been justified as the content-forming factors and impact channels of financial inclusion on financial stability. The development peculiarities of financial inclusion are studied by cross-country analysis considering different financial system models and economic development levels. The weak points of financial inclusion in Ukraine are a sevenfold gap between the banks’ assets and non-bank financial institutions and 37% of the unbanked adult population. Moreover, there is a significant gap between the levels of human capital readiness and information security of banks’ digitalization compared to EU banks – by 2.5 and 1.3 times, respectively, and a critically high level of distrust in banks (70%) with a reasonably high share of payment applications users (58%).Further developing of financial inclusion and ensuring financial stability in Ukraine requires improving credit cooperation by transforming its structure from multi-institutional to mono-institutional and introducing the developed indicative tools for monitoring potential financial stability threats caused by technological innovations. AcknowledgmentThe study has been conducted within the framework of Applied Research “Ensuring financial stability of the financial sector of Ukraine’s economy on the basis of sustainable development and in the face of the latest epidemiological challenges” with the financial support of the Ministry of Education and Science of Ukraine (state registration number 0121U113271). The authors are also thankful to the editors and anonymous reviewers for their useful suggestions and comments to improve the quality of this paper.

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Hu, Guohui, and Sisi Wang. "Digital financial inclusion, Financial Mismatch and Small and medium-sized enterprises Financing Constraints." SHS Web of Conferences 169 (2023): 01011. http://dx.doi.org/10.1051/shsconf/202316901011.

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Digital financial inclusion through the use of big data, artificial intelligence and other emerging technologies is becoming increasingly sophisticated in China. Using a sample of 843 SMEs in Shenzhen Stock Exchange from 2012-2021, this paper investigates the impact of digital financial inclusion on SMEs’ financing constraints and its mechanism of action using a fixed effects model. It is found that digital financial inclusion can significantly alleviate the financing constraints of SMEs. Further analysis of the mechanism of action reveals that digital financial inclusion can indeed reduce the level of financing constraints by alleviating the financial mismatch of enterprises. The heterogeneity analysis finds that this mitigating effect is greater among non-state versus eastern SMEs. This study sheds new light on alleviating the financing constraints of SMEs and improving financial mismatch.

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40

Lu, Weijie, Geng Niu, and Yang Zhou. "Individualism and financial inclusion." Journal of Economic Behavior & Organization 183 (March 2021): 268–88. http://dx.doi.org/10.1016/j.jebo.2021.01.008.

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41

Chithralega, Dr J., and Dr G. Varalakshmi. "ICT IN FINANCIAL INCLUSION." International Journal of Advanced Research 4, no. 9 (September 30, 2016): 222–28. http://dx.doi.org/10.21474/ijar01/1476.

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42

Baza, Andualem Ufo, and K. Sambasiva Rao. "Financial Inclusion in Ethiopia." International Journal of Economics and Finance 9, no. 4 (March 24, 2017): 191. http://dx.doi.org/10.5539/ijef.v9n4p191.

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This paper analyzes the demand and supply side data to show the status of financial inclusion in Ethiopia. Using a set of survey instruments on demand side and data on supply side of financial inclusion, we first analyzed the demand side survey on account, saving, credit, payment, insurance and financial resilience as well as barriers to financial inclusion. Then, we determined and analyzed the supply side of the financial inclusion such as trends in the number of deposit accounts and loan accounts, branch per capita, branch density, ATMs per capita and ATMs density and the retail payment instruments penetration. The analysis of supply side study covered the data for the period from 2006 to 2015. We find that in Ethiopia 33.86 percent of adults has an account at formal financial institution in the year 2016. They use their account to keep money safe, send and receive payments, and to get credit services and foreign exchange services. Using the data on the supply side of financial inclusion in Ethiopia as of December 2015, we find that the branch per capita and branch density of 5.54 and 3.09 respectively. We find that barriers to financial inclusion such as lack of money, distance, fixed cost, and documentations are important obstacles in Ethiopia.

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43

D'Rosario, Michael. "Promoting Indigenous Financial Inclusion." International Journal of Information Systems and Social Change 9, no. 2 (April 2018): 1–11. http://dx.doi.org/10.4018/ijissc.2018040101.

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This article describes how the majority of Australia's indigenous communities live within isolated regions and are typically characterized by levels of disadvantage not evidenced within mainstream Australian society. While there are a number of reasons for the evidenced disadvantages, access to financial services and social services are acknowledged as key contributors. The article outlines the role of banking sector competition and changing banking structures on the exclusion of indigenous people from banking services. It is claimed herein that access, marketing, price, and self-exclusion all serve to promote financial exclusion. It is posited that forms of access exclusion such as bank branch access and geographic dispersion have served as the key structural impediments to indigenous financial inclusion. Specifically, this article considers the potential role of adaptive cellular technologies and community telecentres in addressing financial exclusion within indigenous communities. Detailing successful ‘social banking' models adopted in several developing countries, it is asserted that m-banking could serve as a powerful tool for inclusion.

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Patiño, Omar Alonso, and Laura Marcela Patiño Gutiérrez. "Financial Education and Inclusion." International Journal of Sustainable Entrepreneurship and Corporate Social Responsibility 4, no. 1 (January 2019): 57–72. http://dx.doi.org/10.4018/ijsecsr.2019010104.

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Financial education is one of the aspects of economic development in countries that have been given great importance in recent years. It is considered that a country that increases the levels of financial literacy is a country that has a greater proportion of people who are banking and with this, the banking sector is dynamic and as a consequence the economy in general. Given this, banks have a great responsibility to develop alternatives that favor a greater percentage of the population using their services for which they should consider, not only the quality of services but also the interest charged for their loans and the retribution that has the money placed by each of its clients.

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Gaonkar, Rekha, Bhagyashree Maurya, and Vibha Gaonkar. "Financial Inclusion in Goa." Indian Economic Journal 63, no. 2 (July 2015): 232–47. http://dx.doi.org/10.1177/0019466220150206.

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K, Ganeshappa, and Mohan D. "An Overview Financial Inclusion." JNNCE Journal of Engineering and Management SP01 (December 8, 2023): 18–25. https://doi.org/10.37314/jjem.sp0103.

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Thermadam, Simon. "Financial Inclusion in India." Artha Journal of Social Sciences 19, no. 2 (April 1, 2020): 37–51. http://dx.doi.org/10.12724/ajss.53.3.

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Financial inclusion, the process of ensuring access to financial services along with timely and adequate credit where needed by vulnerable groups, helps the weaker sections and low-income groups in different ways. With an active intervention of the government, a large number of the unbanked segments of the society could be included in various financial services in the last few years. As a result, the number of bank accounts has been increasing. Members from the marginalised groups, women, etc. are some of the direct beneficiaries of financial inclusion. By utilizing micro data of World Bank, ‘Global Financial Inclusion (Global Findex) Database 2017, the author observes that socio-economic factors, like educational level, age group, and employment have an important role in determining one’s access to banking services. But some problems arise when the account holders do not utilize the banking facilities properly, especially when a majority stays idle. Lack of money is still considered one of the major factors for a lack of interest in holding a bank account. The ownership of bank account by other members in the same family also stops many from opening a bank account. The government has to take active measures to solve these issues. Moreover, the remaining unbanked sections of the society have to be included in the financial services, by solving the various reasons cited.

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Demirgüç-Kunt, Asli. "Presidential Address: Financial Inclusion." Atlantic Economic Journal 42, no. 4 (September 17, 2014): 349–56. http://dx.doi.org/10.1007/s11293-014-9429-z.

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Sankaramuthukumar, S., and K. Alamelu. "Financial Inclusion : African Scenario." Insight on Africa 4, no. 2 (July 2012): 121–35. http://dx.doi.org/10.1177/0975087814411152.

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Sarma, Mandira, and Jesim Pais. "Financial Inclusion and Development." Journal of International Development 23, no. 5 (May 7, 2010): 613–28. http://dx.doi.org/10.1002/jid.1698.

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