{"title":"影响选定非洲国家金融包容性促进社会包容的因素","authors":"Kosmas Njanike, Raphael T. Mpofu","doi":"10.1177/09750878231194558","DOIUrl":null,"url":null,"abstract":"The study investigated the determinants of financial inclusion in selected African countries. Researchers have found an extraordinarily strong positive association between social inclusion and financial inclusion; financial inclusion is the key to eradicating poverty and social exclusion as it presents an opportunity for people to benefit from financial services. A single data set was formed by combining four samples from the Democratic Republic of Congo, Eswatini, Kenya and South Africa. Data were obtained from surveys done by FinScope. FinScope Consumer Survey is a probability survey with an end-user focus (individual or household) on financial services and products. The FinScope Consumer Survey, done by the FinMark Trust, is uniquely aimed at increasing understanding of the informal financial product/service market. Probit regression models were estimated to find significant factors influencing financial inclusion in selected African countries. The linear probability model was used for the robustness check. The study found that age, education, marital status, bank branch accessibility, location, internet, salary, income, proof of residence, social networks, financial advice, gender and connectivity were significant in influencing financial inclusion. Governments must implement policies that enhance financial inclusion, in particular, ethnic groups, small communities and minorities. These policies will also lead to the reduction of poverty and the attainment of the UN Sustainable Development Goals.","PeriodicalId":42199,"journal":{"name":"Insight on Africa","volume":null,"pages":null},"PeriodicalIF":0.8000,"publicationDate":"2023-11-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Factors Influencing Financial Inclusion for Social Inclusion in Selected African Countries\",\"authors\":\"Kosmas Njanike, Raphael T. Mpofu\",\"doi\":\"10.1177/09750878231194558\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The study investigated the determinants of financial inclusion in selected African countries. Researchers have found an extraordinarily strong positive association between social inclusion and financial inclusion; financial inclusion is the key to eradicating poverty and social exclusion as it presents an opportunity for people to benefit from financial services. A single data set was formed by combining four samples from the Democratic Republic of Congo, Eswatini, Kenya and South Africa. Data were obtained from surveys done by FinScope. FinScope Consumer Survey is a probability survey with an end-user focus (individual or household) on financial services and products. The FinScope Consumer Survey, done by the FinMark Trust, is uniquely aimed at increasing understanding of the informal financial product/service market. Probit regression models were estimated to find significant factors influencing financial inclusion in selected African countries. The linear probability model was used for the robustness check. The study found that age, education, marital status, bank branch accessibility, location, internet, salary, income, proof of residence, social networks, financial advice, gender and connectivity were significant in influencing financial inclusion. Governments must implement policies that enhance financial inclusion, in particular, ethnic groups, small communities and minorities. These policies will also lead to the reduction of poverty and the attainment of the UN Sustainable Development Goals.\",\"PeriodicalId\":42199,\"journal\":{\"name\":\"Insight on Africa\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.8000,\"publicationDate\":\"2023-11-26\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Insight on Africa\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1177/09750878231194558\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"AREA STUDIES\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Insight on Africa","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1177/09750878231194558","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"AREA STUDIES","Score":null,"Total":0}
Factors Influencing Financial Inclusion for Social Inclusion in Selected African Countries
The study investigated the determinants of financial inclusion in selected African countries. Researchers have found an extraordinarily strong positive association between social inclusion and financial inclusion; financial inclusion is the key to eradicating poverty and social exclusion as it presents an opportunity for people to benefit from financial services. A single data set was formed by combining four samples from the Democratic Republic of Congo, Eswatini, Kenya and South Africa. Data were obtained from surveys done by FinScope. FinScope Consumer Survey is a probability survey with an end-user focus (individual or household) on financial services and products. The FinScope Consumer Survey, done by the FinMark Trust, is uniquely aimed at increasing understanding of the informal financial product/service market. Probit regression models were estimated to find significant factors influencing financial inclusion in selected African countries. The linear probability model was used for the robustness check. The study found that age, education, marital status, bank branch accessibility, location, internet, salary, income, proof of residence, social networks, financial advice, gender and connectivity were significant in influencing financial inclusion. Governments must implement policies that enhance financial inclusion, in particular, ethnic groups, small communities and minorities. These policies will also lead to the reduction of poverty and the attainment of the UN Sustainable Development Goals.
期刊介绍:
nsight on Africa is a biannual peer-reviewed academic journal covering contemporary African affairs and issues of policy relevance. It focuses on, though not confined to, foreign policies and developmental issues of African countries. The journal specially encourages article submission on issues related to emerging powers in Africa, BRICS in Africa and Afro-Asian relations. The journal is owned by African Studies Association of India (ASA India) located at Centre for African Studies, Jawaharlal Nehru University, New Delhi and its publication is managed by Policy Research Institute of African Studies Association (PRIASA) based in New Delhi.