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- Title
Reaching Financial Inclusion: Necessary and Sufficient Conditions.
- Authors
Geraldes, Helena Susana Amaral; Gama, Ana Paula Matias; Augusto, Mário
- Abstract
Financial inclusion is a vital development policy concern; different combinations and conditions of access to (supply) and use of (demand) financial services may predict levels of financial inclusion. With a fuzzy set qualitative comparative analysis, conducted across 61 countries worldwide, the current research establishes that financial literacy and human development are conditions of high financial inclusion; supply-side drivers, such as bank concentration and bank branches, represent substitutive conditions for attaining high levels of financial inclusion. With separate analyses of a split sample, designating developed and developing countries, the authors also determine that the absence of financial literacy and human development, as demand-side drivers, leads to diminished financial inclusion for both sets of countries. In turn, this research offers novel ideas for achieving more efficient policies to prompt financial inclusion.
- Subjects
FINANCIAL literacy; BRANCH banks; FUZZY sets; DEVELOPING countries; FINANCIAL policy
- Publication
Social Indicators Research, 2022, Vol 162, Issue 2, p599
- ISSN
0303-8300
- Publication type
Article
- DOI
10.1007/s11205-021-02850-0