影响选定非洲国家金融包容性促进社会包容的因素

IF 0.8 Q2 AREA STUDIES Insight on Africa Pub Date : 2023-11-26 DOI:10.1177/09750878231194558
Kosmas Njanike, Raphael T. Mpofu
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引用次数: 0

摘要

该研究调查了选定非洲国家金融包容性的决定因素。研究人员发现,社会包容性与金融包容性之间存在着非常密切的正相关关系;金融包容性是消除贫困和社会排斥的关键,因为它为人们提供了从金融服务中受益的机会。通过合并刚果民主共和国、埃斯瓦提尼、肯尼亚和南非的四个样本,形成了一个单一的数据集。数据来自 FinScope 的调查。FinScope 消费者调查是一项以金融服务和产品的最终用户(个人或家庭)为重点的概率调查。FinScope 消费者调查由 FinMark 信托公司完成,其独特的目的是增进对非正规金融产品/服务市场的了解。对 Probit 回归模型进行了估算,以发现影响选定非洲国家金融包容性的重要因素。线性概率模型用于稳健性检验。研究发现,年龄、教育程度、婚姻状况、银行网点便利性、地理位置、互联网、工资、收入、居住证明、社交网络、财务咨询、性别和连接性对金融包容性的影响显著。各国政府必须实施提高金融包容性的政策,特别是针对少数民族、小社区和少数群体的政策。这些政策还将有助于减少贫困和实现联合国可持续发展目标。
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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.
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来源期刊
Insight on Africa
Insight on Africa AREA STUDIES-
CiteScore
1.80
自引率
0.00%
发文量
9
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.
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