Determinants of financial inclusion: empirical evidence from Pakistan

Afnan Khan, SherAfgan Khattak, Shumaila Hashim
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Abstract

Financial inclusion links the people with the financial system of the country; so that they can use financial services and products to fulfill their basic needs. This research study mainly deals with determinants of financial inclusion in Pakistan. Time series annual data was taken from 2008-2018. Johnson co-integration analysis was employed. Econometric results indicated that access and availability are the strong determinants of financial inclusion in Pakistan. 
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普惠金融的决定因素:来自巴基斯坦的经验证据
普惠金融将人民与国家的金融体系联系起来;这样他们就可以使用金融服务和产品来满足他们的基本需求。本研究主要探讨巴基斯坦普惠金融的决定因素。时间序列年度数据取自2008-2018年。采用Johnson协整分析。计量经济学结果表明,可及性和可获得性是巴基斯坦普惠金融的重要决定因素。
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