Please use this identifier to cite or link to this item:
https://hdl.handle.net/10316/98848
Title: | Reaching Financial Inclusion: Necessary and Sufficient Conditions | Authors: | Geraldes, Helena Susana Amaral Gama, Ana Paula Matias Augusto, Mário António Gomes |
Keywords: | financial inclusion, financial literacy, human development, financial infrastructure. | Issue Date: | 6-Jan-2022 | Place of publication or event: | https://link.springer.com/article/10.1007/s11205-021-02850-0#citeas | 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. | URI: | https://hdl.handle.net/10316/98848 | ISSN: | 0303-8300 1573-0921 |
DOI: | 10.1007/s11205-021-02850-0 | Rights: | embargoedAccess |
Appears in Collections: | I&D CeBER - Artigos em Revistas Internacionais |
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SIR_Reaching financial inclusion_Necessary and sufficient conditions.pdf | Reaching financial inclusion: Necessary and sufficient conditions | 459.98 kB | Adobe PDF | View/Open |
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