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Dissertations / Theses on the topic 'Impact of Financial Inclusion'

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Published: 5 June 2025

Last updated: 2 August 2025

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1

Dragoş, Alin S. "Impact of Blockchain technology on US financial inclusion." Thesis, Massachusetts Institute of Technology, 2017. http://hdl.handle.net/1721.1/111462.

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Thesis: S.M., Massachusetts Institute of Technology, Sloan School of Management, 2017.<br>Cataloged from PDF version of thesis.<br>Includes bibliographical references (pages 58-59).<br>This paper describes how blockchain technology alters the dynamic within financial services and focuses on the impact on US financial inclusion. First, I provide an overview of the financial services industry and the issues associated with financial inclusion. Second, I provide a framework for reviewing blockchains. Lastly, I take an in-depth look at the economics of offering checking accounts, and identify appr

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2

Arthur-Iweze, Ifeanyi Jane. "The Impact of Financial Inclusion on the Nigerian Economy." Master's thesis, Faculty of Commerce, 2021. http://hdl.handle.net/11427/33672.

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Financial inclusion remains a critical issue for developing economies such as Nigeria, where the focus of the government is to bring all economic units into the pool of the country's financial system. The rate of financial inclusion is an economic yardstick that cannot be discounted and one which remains a clear focal point of different inter-governmental efforts and policy. On one hand, there is the realisation that a low rate of financial inclusion means that a huge percentage of the population rarely has access to the kind of financial services that can take them out of poverty. As a contem

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Yengeni, Sandisiwe. "Myth or magic: the impact of financial technology on financial inclusion in Africa." Master's thesis, Faculty of Commerce, 2020. http://hdl.handle.net/11427/33067.

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With the worldwide focus on financial inclusion to decrease poverty levels by banking the unbanked, understanding how to facilitate the banking of the previously unbanked in developing countries has become a globally topical issue. To contribute to this discussion from the perspective of Africa, the following paper endeavours to compute financial inclusion indices (FII) for 36 African countries. The paper leverages a model developed by Cámara and Tuesta (2014), using a two-stage Principal Component Analysis with definitions for financial inclusion variables from Sarma (2008). Upon computing th

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4

Mazumder, S. (Srabonty). "The impact of financial inclusion on economic growth:a literature review." Master's thesis, University of Oulu, 2019. http://jultika.oulu.fi/Record/nbnfioulu-201911223157.

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Abstract. Financial inclusion is a process of ensuring the ease access of accessible, available and affordable formal financial service for all adult people of an economy. It is one of the most important prerequisites to economic development. The importance of financial inclusion is now recognized by international as well as national bodies. This thesis is concentrated on explaining how it impacts on economic growth base of previous empirical research work. This thesis work reviews a total of 12 studies that are done by different researchers and the study aims to review that papers on how fina

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Bodlani, Lelethu Lithakazi. "The impact of spatial inequality on financial inclusion in South Africa." University of Western Cape, 2021. http://hdl.handle.net/11394/8381.

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Magister Commercii - MCom<br>Inequality in South Africa has long been recognised as one of the most salient features of our society. Despite many efforts by the government to reduce inequality since our democratic transition in 1994, progress has been limited. The historic patterns of accumulation and economic concentration have continued to feed into South Africa’s patterns of uneven and combined development. Moreover, financial markets in many countries are undeniably incomplete, segmented, and inefficient. This is largely attributed by high transaction costs for both institutions and client

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6

Ky, Serge. "Essays on the rise of mobile financial technology in developing countries and its impact on individual financial behaviors." Thesis, Limoges, 2016. http://www.theses.fr/2016LIMO0077/document.

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Cette thèse étudie les déterminants de l'adoption des services financiers par téléphonie mobile et ses conséquences sur les comportements financiers individuels dans les pays en développement. Elle est composée de trois chapitres/articles auto-référents. Le premier chapitre étudie l'adoption croissante des services financiers par téléphonie mobile dans les pays en développement en distinguant mobile money (utilisation du mobile pour accéder à des services financiers) et mobile banking (services financiers liés à un compte bancaire accessibles par téléphonie mobile) et en confrontant l'Afrique

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Lichtenstein, Jane. "Financial inclusion in Rwanda : examining policy implementation and impact on community and household lives." Thesis, University of Cambridge, 2018. https://www.repository.cam.ac.uk/handle/1810/276828.

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The research question asks: “Is the policy for financial inclusion in Rwanda explicit, appropriate and effective?” The Government of Rwanda targets ‘financial inclusion’ for 80% of the population of Rwanda by 2017. The study considers what financial inclusion means, how policy has captured it, and whether policy implementation reaches the grassroots – and with what effect. Chapter 1 introduces the research study. Chapter 2 gives background to Rwanda’s development, the strategic policy cycle and planning processes, the accessibility of policy detail, and the aspiration for economic transformati

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Mungai, Kinyanjui. "The economic impact of FinTech in the South African banking industry: A case of digital disruption." University of the Western Cape, 2019. http://hdl.handle.net/11394/6977.

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Philosophiae Doctor - PhD<br>The Fourth Industrial Revolution has provided new opportunities to tackle problems in health, education, transport and many other sectors. In the financial sector, new financial technology (FinTech) is providing new ways of tackling the problem of financial exclusion. The uptake of cell phones has enabled financial service providers (FSPs) to expand into areas where the most vulnerable have hitherto been outside the reach of the banking agency model. This has ultimately allowed previously financially excluded individuals to have access to bank accounts. Through SMA

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9

Mutungi, Muhairwe Simon. "The introduction of Islamic banking and its projected impact on financial inclusion and economic development in Uganda." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/28083.

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Islamic banks were minimally affected by the global financial crisis of 2008. This is largely attributed to their firm and sound economic principles. This has made Islamic finance a feasible alternative system of banking especially in pursuit of financial inclusion. Uganda like most third world countries has grappled with the challenge of access to credit with a big unbanked population. One of the reasons espoused in this paper for this problem has been high cost of credit access caused by prohibitively high interest rates that discourage people from attaining loans for their entrepreneurial v

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10

Ruh, Carolyn. "The Impact of Mobile Money on Saving in Sub-Saharan Africa." Thesis, Boston College, 2017. http://hdl.handle.net/2345/bc-ir:107394.

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Thesis advisor: S. Anukriti<br>Since the launch of M-PESA in 2007, mobile money has created the potential to increase financial inclusion by providing a safe and convenient place to store wealth. This paper analyzes the impact of mobile money on savings practices in Sub-Saharan Africa. Using 2015 survey data from Uganda, Kenya, and Tanzania, I find that mobile money account holders are 10.9 percent more likely to save than non-account holders, holding constant other characteristics. Mobile money has a positive and significant impact on saving for daily consumption, for protection against incom

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11

Lederle, Nicole. "Exploring the impacts of improved financial inclusion on the lives of disadvantaged people." Thesis, Heriot-Watt University, 2009. http://hdl.handle.net/10399/2218.

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This thesis examines the consequences of gaining access to financial products and services and of becoming more capable of using these (i.e. financial inclusion). In particular, the study aims to investigate the key processes which promote financial inclusion and the wider consequences of becoming financially included for the individual concerned. This work is based on qualitative interviews with 41 users of third-sector organisation which play a significant role in the government’s financial inclusion strategy. All agencies were involved in the promotion of financial inclusion, either through

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12

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

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The research for this study was guided by the question on whether the financial inclusion improvement strategies of the South African government adequately address the financial inclusion targets, as set out in the National Development Plan. This descriptive non-empirical study was conducted by means of a literature review. The secondary data used for the study were collected from a number of sources, namely: (i) the 2015 Brookings Financial and Digital Inclusion Project report; (ii) the 2014 Global Findex survey; (iii) the InterMedia surveys; (iv) Financial Access surveys; (v) various nationa

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13

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

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This dissertation explores the implications of natural disaster risk for access to financial services, especially credit. Its results show that disasters can dramatically undermine the ability of financial intermediaries (FIs) to lend after an event, increasing the cost of the disaster and delaying recovery. Moreover, the risk of natural disasters discourages investment in vulnerable regions and economic sectors and so slows economic development. Financial risk transfer mechanisms such as insurance can help maintain lending following an event. While many international development projects have

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14

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

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This thesis consists of three main essays on the global dimension of financial inclusion. These empirical analyses are different, yet related to each other. The main focus of the thesis is on constructing a broader multidimensional measure of financial inclusion as a composite index that can be used to assess the ease of and use of the access to financial markets. Additionally, as one of the main contributions of this study, access to other financial institutions such as microfinance institutions, post offices and cooperatives, has been added to the analysis to explore its impact on poverty an

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15

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

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<p> This dissertation examines the reasons why low- and middle-income countries adopt financial inclusion policy and regulation. It does so starting with a quantitative model and ending with a comparative case study of the India and Mexico contexts. The quantitative model finds evidence that financial inclusion policy and regulation follows a state’s capacity and a state’s engagement with international organizations and peer states. The case of Mexico complicates these findings, challenging the causal direction of engagement with international organizations—Mexico uses intern

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16

Hendrich, Heather M. "The impact of inclusion." Muncie, Ind. : Ball State University, 2008. http://cardinalscholar.bsu.edu/752.

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17

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

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The promotion of access to finance is considered as a top priority agenda in many countries. Finding the related and strong factors to enhance financial inclusion is therefore becoming crucial. Despite many studies on the factors associated with financial inclusion, the role of financial system has not been well explored. Leyshon & Thrift (1995) shed new lights on this issue by stating that “Although the criteria for exclusion may vary over time, the financial system has an inherent tendency to discriminate against poor and disadvantaged groups”. This thesis, therefore investigates the role of

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18

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

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Whilst the digitisation of government-to-person (G2P) payments, or government social cash, is becoming increasingly significant for governments to advance financial inclusion in developing countries, the role of mobile banking (m-banking) to promote this agenda remains under researched. The extant literature available on m-banking was delimited to person-to-person (P2P) payments that examined m-banking through an economic or technological lens from providers’ perspectives. Hence, in this study, I have used the Duality of Technology (DoT) as a socio-technical lens to analyse m-banking innovatio

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

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Whilst the digitisation of government-to-person (G2P) payments, or government social cash, is becoming increasingly significant for governments to advance financial inclusion in developing countries, the role of mobile banking (m-banking) to promote this agenda remains under researched. The extant literature available on m-banking was delimited to person-to-person (P2P) payments that examined m-banking through an economic or technological lens from providers’ perspectives. Hence, in this study, I have used the Duality of Technology (DoT) as a socio-technical lens to analyse m-banking innovatio

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20

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

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Questo studio è sostanzialmente suddiviso in due documenti di ricerca completamente sviluppati. Il primo capitolo ha esaminato l'impatto delle rimesse sulla disuguaglianza nell'accesso ai servizi finanziari nei paesi in via di sviluppo. Il set di dati per lo studio è stato costruito da diverse fonti, tra cui Global Findex, World Development Indicators, World Bank, FMI, The Worldwide Governance Indicators e il dataset delle Nazioni Unite sulla migrazione bilaterale. Pertanto, lo studio ha combinato fonti di dati di livello micro con informazioni di livello macro nell'analisi. Sulla base della d

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21

Tverezovskaа, O., Олексій Олександрович Захаркін, Алексей Александрович Захаркин, et al. "Financial inclusion as a driver for the financial security provision in Ukraine." Thesis, Sumy State University, 2019. https://essuir.sumdu.edu.ua/handle/123456789/77664.

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

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22

Moyo, Onesimo Mazai. "The nexus between financial inclusion and financial development in Zimbabwe (2009-2015)." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/29075.

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The study aims to establish the nexus between financial inclusion and financial development in Zimbabwe covering the period from 2009 to 2015. Using descriptive statistics including correlation analysis, t-tests, and graphical analysis, the study revealed that there is a positive relationship between financial inclusion and financial development. The study however established that the relationship is relatively weak. The positive relationship is being driven by expansion of the banking sector into previously marginalised and unbanked markets, riding on the increase in financial and mobile tech

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23

Hasheela, Elisa Tulipohamba. "Access to finance and financial inclusion in Namibia." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/97405.

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ENGLISH ABSTRACT: This study seeks to analyse the financial sector’s (commercial banks and the Bank of Namibia) policy interventions towards creating an inclusive financial system. To achieve this the objective of this study is in three folds, firstly to examine the level and extent of financial inclusiveness in Namibia, secondly to evaluate financial sector (commercial banks and the Bank of Namibia) policies to ascertain their effectiveness in promoting access to finance in Namibia, and thirdly to review international experiences to provide key learning lessons for Namibia’s financial system

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24

Thatho, Teboho. "Mobile Money and Financial Inclusion: Evidence from Lesotho." Master's thesis, Faculty of Commerce, 2021. http://hdl.handle.net/11427/33050.

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This study seeks to examine the relationship between mobile money and financial inclusion in Lesotho in order to assess the viability of mobile money as a tool for advancing Lesotho's financial inclusion agenda. The study uses a number of deposit bank accounts as a proxy for financial inclusion (FI) and a dependent variable in three vector autoregression (VAR) bivariate models. Each of the three mobile money variables; number of mobile money registered accounts (MMC), number of agents (MMA) and volumes of mobile money transactions (MMT) are regressed against financial inclusion to investigate

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Mosongo, Fiona. "Factoring as tool of financial inclusion in Kenya." University of the Western Cape, 2021. http://hdl.handle.net/11394/7916.

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Magister Legum - LLM<br>A popular difficulty that all SMEs have had to face is limited access to finance. The fact that banks are not prepared to finance small businesses, has exacerbated the existing 'financing gap' in the small and medium-sized business which is already present in the SME industry. In an analysis of small and medium business are faced with a myriad of difficulties often as a result of restrictions in current collateral systems that do not offer a viable degree of risk mitigation due to ineffectual legislation, insufficient enforcement procedures, or an existing legal structu

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Arora, Rashmi. "Digital financial services, gendered digital divide and financial inclusion: Evidence from South Asia." Routledge, 2020. http://hdl.handle.net/10454/18320.

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Di, Castri Simone <1980&gt. "Policy and regulatory solutions for financial inclusion: from microfinance to financial consumer protection." Doctoral thesis, Alma Mater Studiorum - Università di Bologna, 2010. http://amsdottorato.unibo.it/3028/1/Simone-di_Castri-Policy_and_Regulatory_Solutions_for_Financial_Inclusion.pdf.

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Di, Castri Simone <1980&gt. "Policy and regulatory solutions for financial inclusion: from microfinance to financial consumer protection." Doctoral thesis, Alma Mater Studiorum - Università di Bologna, 2010. http://amsdottorato.unibo.it/3028/.

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Brooks, Laura. "Financial inclusion in South Africa: a quasi-experimental approach." Master's thesis, University of Cape Town, 2012. http://hdl.handle.net/11427/12186.

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Includes abstract.<br>Includes bibliographical references.<br>A regressive discontinuity was implemented on the National Income Dynamics Study data in order to assess the impact of an exogenous increase in income, simulated by pension eligibility on the composition of low-income individuals' financial portfolio composition. This was done to facilitate an investigation into the determinants of demand for various formal and informal financial instruments. It was confirmed that this substantial increase in income has a significant effect on the composition of poor individuals' financial portfolio

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Kiptorus, Joan Jesang. "Digital financial inclusion: determinants of M-Shwari in Kenya." Master's thesis, Faculty of Commerce, 2019. http://hdl.handle.net/11427/32330.

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Kenya has experienced unprecedented levels of growth in terms of mobile phone penetration and technological advancement, which is boosting financial sector development and subsequently spurring on economic growth. A report published by the Communications Authority of Kenya reported mobile phone penetration at 90.4%, with 41 million mobile phone subscribers as at December 2017. On the back of this, Kenya has made great strides in financial inclusion and with an overall score of 86%, received the top award for inclusive financial services from the Brookings Institution's 2017 Financial and Digit

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López, Urresta Tania Lorena [Verfasser]. "Microfinance institutions and financial inclusion / Tania Lorena López Urresta." Frankfurt am Main : Frankfurt School of Finance & Management gGmbH, 2019. http://d-nb.info/1202722784/34.

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32

Danho, Sargon, and Yonathan Habte. "Blockchain for Financial Inclusion and Mobile Financial Services : A study in sub-Saharan Africa." Thesis, KTH, Skolan för industriell teknik och management (ITM), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-264126.

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Financial services have historically been offered by central entities which has put financial systems in the control of a number of central parties. Some argue that this centralization has contributed to a more unequal distribution of wealth. However, during more recent time with the emergence of blockchain, traditional perspectives on transparency and democratization have shifted. Increasing financial inclusion has been highlighted as a crucial step in decreasing poverty levels and blockchain has been discussed as a technology with a potential to make a difference in this ambition. This study

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Heenkenda, Shirantha. "Inequalities in the Financial Inclusion in Sri Lanka: An Assessment of the Functional Financial Literacy." 名古屋大学大学院国際開発研究科, 2014. http://hdl.handle.net/2237/19506.

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Kamanga, Tayina. "The role of financial literacy in financial inclusion in emerging markets: evidence from South Africa." Master's thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/29086.

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Despite all the efforts and initiatives put in place by governments and development finance institutions to improve financial inclusion, two billion people in the world remain unbanked. The majority of the unbanked population is in the developing countries and mostly in the Sub-Saharan region. This is of huge concern to many governments and their international development partners because it hinders inclusive economic growth. It is argued that consumers can only use products and /or services if they have enough knowledge about these. According to the 2014 World Bank Global Findex database, onl

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Muthu, B. Chinna [Verfasser], and S. John [Verfasser] Gabriel. "Empowering Rural People through financial Inclusion and financial Counselling / B. Chinna Muthu, S. John Gabriel." München : GRIN Verlag, 2020. http://d-nb.info/1219144479/34.

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Sha'ban, Mais. "Three essays on bank capital structure, performance, and financial inclusion." Thesis, University of Essex, 2018. http://repository.essex.ac.uk/23592/.

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This thesis consists of three empirical essays on contemporary issues related to the banking and financial sector, particularly banks’ capital, performance, and financial inclusion. The first essay investigates the determinants of bank capital structure taking into account the impact of the crisis, banks’ systemic size and risks. Using a sample of the European Economic Area’s listed banks over 2005-2014, we find that equity capital is negatively associated with size and positively with profits, market-to-book ratio, dividends, and market return volatility risk; while credit risk does not seem

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Mndolwa, Florence D. "Determinants of gender disparities in financial inclusion: insights from Tanzania." Master's thesis, University of Cape Town, 2017. http://hdl.handle.net/11427/27332.

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This study uses a nationally representative sample of individuals from Finscope survey 2013 to empirically investigate the determinants of gender disparities in financial inclusion in Tanzania. Using logit regression, the study tests whether an individual's gender affects financial inclusion. Subsequently the study evaluates the relationship between individual's characteristics and the uptake of financial services and products by gender. The results provide evidence to suggest that gender disparities in financial inclusion are only prevalent in the uptake to formal savings and formal credit bu

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Choudhury, Mohammad Sadiqunnabi. "Financial inclusion and livelihood dynamics : evidence from northeast rural Bangladesh." Thesis, University of East London, 2015. http://roar.uel.ac.uk/4626/.

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The study focuses on rural livelihoods in the northeast region of Bangladesh highlighting two important aspects: household strategies and financial intervention. It uses participatory methods and quantitative evidence to understand the livelihood dynamics and the extent of financial inclusion in livelihood securities. In the broader context of vulnerability, the study focuses particularly on vulnerability to risk related shocks and the strategic uses of livelihood assets in combating such risks. The livelihood strategies include income-generating activities, risk coping strategies and the role

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Bair, Sabrine. "Assessing the impact of the use of information and communication technologies in the agricultural sector in Africa : the case of mobile telephony." Thesis, Université Paris sciences et lettres, 2020. http://www.theses.fr/2020UPSLM034.

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Cette thèse a comme objectif de mettre l'accent sur le potentiel des technologies d'information et de communication TICs et précisément le téléphone mobile en Afrique subsaharienne afin d’améliorer les conditions de vie des ménages à travers la diffusion d’information, la redistribution des rentes et en favorisant l’inclusion financière. L'Afrique est le continent le moins développé, qui souffre de pauvreté, d'un manque d'infrastructure essentielle, des problèmes de famine, des taux les plus élevés d'analphabétisme et d’accès limité aux services financiers... Par ailleurs, des organismes inter

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Malekano, Shamiso. "Poverty Reduction in Sub-Saharan Africa: A Call for Financial Inclusion." Master's thesis, University of Cape Town, 2020. http://hdl.handle.net/11427/32536.

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This dissertation proposes an Index of Financial Inclusion (IFI) for Sub-Saharan Africa and then uses the developed index to investigate the significance of the relationship between financial inclusion and economic development and growth. This is important because there is no consensus in the literature on how to measure financial inclusion or on the direction of the causal relationship between financial inclusion and economic development or growth. This dissertation aims to contribute to these two debates whilst focusing on Sub-Saharan Africa, where development (potentially encouraged by fina

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

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Masters of Commerce<br>The literature on financial inclusion and poverty connections has received considerable attention recently. There exist a scarcity of local studies examining the relationship between financial inclusion (FI) and poverty. Precisely, there is a lack of local studies who previously used FinScope data to investigate the mentioned relationship in South Africa. This study is motivated to fill the gap. To achieve the aims, the study will source data from FinScope (a secondary data) for the periods of 2011 and 2016. The Foster-Greer-Thorbecke indices were used to measure the lev

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Benkhalti, Jandu Maria. "Health Impact Assessment and the Inclusion of Migrants." Thesis, Université d'Ottawa / University of Ottawa, 2015. http://hdl.handle.net/10393/32226.

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There is an increasing number of international migrants worldwide and in Canada. The majority of migrants arrive with a health status higher than the average of their host country. This advantage is often lost within ten years of migration due to various reasons, most notably through the social determinants of health. These determinants are the conditions in which individuals live and work and the most relevant to migrant health include racialization, education, employment, housing, social capital, and gender. Health impact assessment (HIA) is a process with the capacity to address changes i

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Williams, Sherry Lee. "Closing the Financial Inclusion Gap by Understanding What Factors Drive Consumer Selection of Financial Service Providers." Diss., Temple University Libraries, 2019. http://cdm16002.contentdm.oclc.org/cdm/ref/collection/p245801coll10/id/588911.

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Business Administration/Strategic Management<br>D.B.A.<br>This research seeks to determine what factors and combinations of banking features drive the choice of a financial service provider. Two studies have been devised to explore the research question. The initial study, uses factor analysis and logistic regression to examine the importance of perceived cost, convenience, and relational trust in the choice of a financial services provider. An additional study uses choice-based conjoint analysis to conduct an exploratory study to identify combinations of banking features that potential custom

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Tafa, Jonada <1993&gt. "Enhanced financial literacy through financial education and its impact on financial behaviour." Doctoral thesis, Alma Mater Studiorum - Università di Bologna, 2022. http://amsdottorato.unibo.it/10375/1/Jonada%20Tafa%20Thesis%20Final.pdf.

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This dissertation aims to contribute to the ongoing discourse on the effect an enhanced financial literacy, through financial education, has on financial behaviour. We posit that financial literacy is enhanced through financial education courses, but it also significantly impacts the financial behaviour of individuals. Moreover, we argue that improved financial literacy plays a significant role in mitigating behavioural biases and an asset price bubble. Chapter 1 analyzes the impact of a financial education course in enhancing financial literacy in a high- school context. Students at specific

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Källum, Martin, and Hampus Sturesson. "Financial leverage : The impact on Swedish companies’ financial performance." Thesis, Linnéuniversitetet, Institutionen för ekonomistyrning och logistik (ELO), 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-67482.

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Background: Swedish companies were negatively affected by the financial crisis between 2007 to 2009. Even if companies with a high level of financial leverage were hit harder due to the financial crisis than companies with financial leverage, the level of financial leverage about the same now as it was right before the financial crisis. Even if an increase of cash flows associated to financial leverage increase a company’s business opportunities, there are a lot of research done in the field that claim that the relation between financial leverage and financial performance is negative. Purpose:

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46

Vazquez, Maria. "Inclusionary Practices: Impact of Administrators' Beliefs on Placement Decisions." Doctoral diss., University of Central Florida, 2010. http://digital.library.ucf.edu/cdm/ref/collection/ETD/id/3275.

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School leaders are charged with responding to the challenges presented by the Individuals with Disabilities Education Act and the education of students with disabilities in the least restrictive environment. The idea of least restrictive environment moves schools from educating students with disabilities in special education to regular education classrooms, from special education schools to neighborhood schools. Providing inclusive settings poses many obstacles and challenges to school based administrators and in their capacity school leaders can either alleviate or generate barriers for the p

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Fuller, Duncan. "Financial exclusion and inclusion : credit union development in Kingston upon Hull." Thesis, University of Hull, 2000. http://hydra.hull.ac.uk/resources/hull:7026.

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Within the flourishing area of new economic geography, increased attention is currently being paid to a variety of 'alternative' sources of credit and finance. As one of these forms, British credit unions are currently particularly 'sexy'. One reason for this status relates to increasing interest (both within the academy and outside) in the role(s) credit unions can play in relieving the effects of financial exclusion and poverty throughout Britain. In the context of the growing concerns of 'New Labour' about these issues, credit unions are progressively being posited as one route to a more in

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Wolf, Matthew Christopher. "Money talks: investigating the relationship between linguistic diversity and financial inclusion." Master's thesis, Faculty of Commerce, 2020. http://hdl.handle.net/11427/33981.

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Differences in languages spoken within a population can be thought of as transaction costs that make economic activities more difficult. This perspective has motivated a host of academic literature analyzing the linguistic profile of countries in relation to different socio-economic variables. Among these studies, financial inclusion is rarely one of the variables of interest. Language and financial inclusion are sometimes analyzed together in more granular studies of a single country, or even of individuals, but never in a cross-sectional, country-level analysis. However economic growth, whic

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Cipriano, Pirgo Manuel. "Legal Aspects of Electronic Money: Financial Inclusion Instrument. The Peruvian Model." Derecho & Sociedad, 2016. http://repositorio.pucp.edu.pe/index/handle/123456789/119096.

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In the first part, the background of electronic money is explained, then it provides a detailed account of how it has evolved in Africa, where there has been a huge success, given the advantages and applications it has, and how it has been working. Elsewhere, other models of electronic money that are emerging in the world, such as Google Wallet, Apple Pay, and experiences in Peru as Wanda and Your Mobile Money.In the third part, some aspects of the recent regulation of electronic money in Peru are required by Act No. 29985, which regulates the basic characteristics of electronic money. Finally

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Munyengeterwa, Karyn. "Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector." Master's thesis, Faculty of Commerce, 2020. http://hdl.handle.net/11427/32849.

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The study examined the effect of financial inclusion technologies on the financial performance of Zimbabwean banks. The study employs ATM, mobile banking (MB), internet banking (IB) and point of sale (POS) transactions on the financial performance of banks as measured by return on assets. The study adopted the explanatory design and the target population of the study consisted of all the 13 commercial banks in Zimbabwe, with the study period being six years, from 2013 to 2018. The panel data was estimated using fixed and random effects. The findings of the research indicated that all the comme

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